Whirlwind Refund Policy

1. Overview

Whirlwind is a digital subscription service operated by Bearish FH INC ("we", "our", "us"). This policy explains when and how you can obtain a refund, and how to cancel to avoid future charges. It applies alongside our Terms of Service and Privacy Policy.

2. How you subscribed matters

Where you buy your subscription determines who processes the payment and handles refunds:

• On the web (whirlwindbooks.com): payments are processed by Paddle.com Market Limited, our authorised reseller and Merchant of Record. Refund requests for web subscriptions are handled by us together with Paddle.
• In the iOS app (Apple App Store): Apple is the seller of record. Refunds for App Store purchases are governed by Apple's policies and must be requested from Apple at reportaproblem.apple.com.

3. 14-day right to cancel (UK & EU)

If you are a consumer in the United Kingdom or the European Union, you have a statutory right to cancel a purchase within 14 days. Because Whirlwind is digital content supplied immediately, you are asked to consent to immediate access when you subscribe. Where you have not yet started reading paid content, we will provide a full refund on request within this 14-day period.

4. Our refund promise

Beyond your statutory rights, we want you to be happy. For web subscriptions we will normally grant a refund when:

• You were charged in error or charged twice;
• You were charged after cancelling and did not use the service in the new period;
• A technical fault on our side prevented you from accessing the content you paid for;
• You request a refund within 14 days of a renewal and have made little or no use of it.

Requests outside these cases are considered on a case-by-case basis. Refunds are issued to your original payment method.

5. Cancelling your subscription

Subscriptions renew automatically until cancelled. Cancelling stops future charges; it does not by itself refund a charge already made.

• Web: cancel from your Whirlwind Account page, or via the management link in your Paddle receipt email.
• iOS: cancel in your Apple ID subscription settings on your device.

6. How to request a refund

For web (Paddle) purchases, email us and we will respond within 5 business days:

📧 [email protected] | Subject: Whirlwind Refund

Please include the email address used at checkout and your Paddle order or receipt number. You may also contact Paddle directly via the receipt they email you after purchase.

7. Contact

Bearish FH INC
95 3rd St. San Francisco CA 94103
[email protected]