Refund Policy

As of the effective date of this Policy, every feature of Midnight Arcana is provided free of charge. The Company charges nothing for shuffling and drawing cards, base interpretations for any spread, the daily card, the 78-card encyclopedia, or AI in-depth readings.

The Company collects no payment details of any kind — no card numbers, no bank account information — and there is no checkout flow anywhere in the Service.

There is accordingly no transaction capable of being refunded as of the effective date. Article 3 onward publishes, in advance, the criteria that will apply to paid products from the moment the Company introduces them.

The Company will never ask you to pay or transfer money by email, text message, or messaging app. If you receive such a request from someone impersonating Midnight Arcana, do not comply, and please report it to admin@taro.teamcat.app.

The Company's official domain is taro.teamcat.app. Any similar service offered outside that domain is unaffiliated with the Company.

If the Company introduces paid features or products, it will clearly display the following on the Service before sales begin: what the product is and how it is delivered, the price and whether tax is included, the payment methods and payment processor, the period of use, whether and for how long the purchase may be withdrawn, and the criteria and procedure for refunds.

No such change applies retroactively to past use of features that were provided free of charge.

Before selling any paid product, the Company will complete the mail-order sales registration required by law and display the registration number at the bottom of the Service.

A User who has purchased a paid product may withdraw on the following basis.

◆General rule: you may withdraw and receive a full refund within 7 days of payment or of the product being supplied.

◆Consumers in the EU and the UK: under the Consumer Rights Directive you may withdraw within 14 days of concluding the contract, without giving a reason.

◆Exception: given the nature of digital content, withdrawal may be restricted for a portion already consumed where you expressly consented to the loss of the right of withdrawal and delivery began immediately. In that case the Company will state this on the payment screen and obtain your separate consent beforehand.

◆For entitlements sold in a recoverable form — unused remaining credits, or a subscription with time left to run — the unused portion is refunded pro rata even after the periods above.

In the following cases you may demand a full refund with no time limit, and the Company will return the amount paid including any payment fees you bore.

◆Payment completed but the product not delivered owing to a failure on the Company's side.

◆The product delivered differs materially from how it was described or advertised.

◆The Company discontinues the Service so that you cannot use the remainder of a period you paid for. In that case the Company refunds the amount corresponding to the unused period on a pro rata basis.

As set out in Articles 9 and 10 of the Terms of Service, however, the fact that an interpretation did not match your expectations or subsequent events is not a fault attributable to the Company. The Service is entertainment content grounded in symbolic reading; it does not sell the accuracy of an outcome.

A refund may be restricted or refused in the following cases.

◆The product was lost or damaged through a cause attributable to the User.

◆The User has already consumed the product in full, exhausting its value.

◆The User's access was restricted for engaging in conduct prohibited by Article 13 of the Terms of Service. Even then, any unused portion is handled as applicable law requires.

◆Entitlements granted free of charge through a promotion or event.

To request a refund, write to admin@taro.teamcat.app stating the date and time of payment, the amount, the payment method, and the reason for your request.

The Company will tell you whether the refund is approved within 3 business days of receiving the request, and where it is approved will begin the refund within 3 business days of receipt as required by law.

Refunds are made, as a rule, to the payment method originally used. For card cancellations the card issuer's settlement cycle may add a further 3 to 10 business days before the refund appears; that period is outside the Company's control.

If the Company delays a refund without justification, it will pay the default interest prescribed by the Act on the Consumer Protection in Electronic Commerce.

This Policy does not limit any right guaranteed to consumers by mandatory law in your country of residence. Where this Policy conflicts with such law, whichever is more favorable to you applies.

If a refund cannot be settled with the Company by agreement, you may apply for mediation to the Korea Consumer Agency (www.kca.go.kr) or to the consumer dispute resolution body in your country of residence.