Refund Policy

Alchimie Capital LLC, Odesio

Effective date: 2026-06-12 Version: 1.2 Compliant with: Directive (EU) 2011/83 on consumer rights, Directive (EU) 2019/770 on contracts for digital services, French Consumer Code (Code de la consommation) (L.221-18 et seq.), Book VI of the Belgian Code of Economic Law (Code de droit économique).

This English version is a translation provided for convenience. In the event of any discrepancy or dispute, the French version prevails.

1. General principle

Alchimie Capital LLC applies European consumer protection legislation, notwithstanding its registration in the United States, insofar as it offers its Services to consumers located in the European Union.

2. Right of withdrawal (EU consumers)

2.1 14-day period

In accordance with Article 9 of Directive 2011/83/EU, you have a period of 14 calendar days from subscribing to a Subscription to exercise your right of withdrawal, without giving any reason and without penalty.

2.2 Major exception, consent to immediate performance

For any digital content not supplied on a tangible medium (which is the case for our Services), Article 16(m) of Directive 2011/83 provides for an exception to the right of withdrawal where:

1. Performance has begun with your prior express consent, AND
2. You have acknowledged that you lose your right of withdrawal for the part already performed.

In practice: if you access the Application or premium content before the end of the 14-day withdrawal period, you lose your right of withdrawal for the content already consumed. You nevertheless remain liable for the amount proportional to the part not performed if you exercise your withdrawal for the remainder.

At the time of purchase, an explicit checkbox asks you to confirm:

☐ I agree that performance of the contract begins immediately and I acknowledge that I lose my right of withdrawal within the 14-day withdrawal period for the digital content I access before the expiry of that period (Art. 16(m) of Directive 2011/83/EU).

If you do not tick this box, you retain your full right of withdrawal for 14 days, but access to premium content will only be opened at the end of this period.

2.3 How to exercise it

To exercise your right of withdrawal within the 14-day withdrawal period:

• By e-mail: contact@alchimiecapital.com, subject "WITHDRAWAL"
• Via the Application: account settings → "Cancel my subscription" → "Request a refund"
• By model form (model in Annex I to Directive 2011/83):

For the attention of Alchimie Capital LLC
4405 Jager Dr NE, Ste C4, Box 2043, Rio Rancho, NM 87144
E-mail: contact@alchimiecapital.com

I hereby give notice that I withdraw from my contract for
the provision of the following service:

- Service: Odesio Subscription
- Ordered on: [date]
- Name of consumer: [name]
- Account e-mail address: [email]
- Date: [date]
- Signature (if on paper):

2.4 Refund

We refund the amount due within 14 days of receipt of your request, using the same means of payment as that used for the subscription (unless otherwise agreed).

3. Extended satisfaction policy, 30 days

Beyond the statutory right of withdrawal, Alchimie Capital LLC offers, on a commercial and voluntary basis, a 30-day money-back guarantee for new Subscribers, under the following conditions:

3.1 Eligibility conditions

• It is your first subscription to Odesio
• Your request is made within 30 calendar days of the subscription
• You have not consumed more than 30% of the premium content of the Application (objective measure: modules completed, content viewed)
• Your account has not been reported for abuse, fraud or breach of the Terms

3.2 Procedure

• Request by e-mail to contact@alchimiecapital.com with a reason (optional but helpful for our continuous improvement)
• Response within 7 business days
• Refund within 14 days if accepted

3.3 Exclusions

The money-back guarantee does not apply in the following cases:

• Re-subscription or renewal
• Manifestly abusive use (mass downloading of content, multiple accounts, resale of content)
• Consumption beyond 30% of the premium content
• Breach of the Terms and Conditions or the Acceptable Use Policy

4. Automatic renewal

4.1 Principle

Monthly and annual Subscriptions are automatically renewed upon expiry, unless cancelled by the User before the expiry date.

4.2 Prior notice

In accordance with the European Directive on digital content (and, for France, the Chatel law, Article L.215-1 of the French Consumer Code (Code de la consommation)), we notify you by e-mail of the expiry date:

• 1 to 3 months before for annual subscriptions
• 15 to 30 days before for multi-month subscriptions

4.3 Right to cancel at any time

For French consumers, Law No. 2023-171 of 9 March 2023 (loi n° 2023-171 du 9 mars 2023) allows subscriptions to be cancelled at any time after a minimum performance period of one year.

5. Refunds outside the right of withdrawal

5.1 Cases of automatic refund

We make a full or partial refund (pro rata temporis) in the following cases:

• Prolonged unavailability of the Services exceeding 7 consecutive days per month, except for scheduled maintenance or force majeure
• Unilateral termination on our part without legitimate grounds attributable to the User
• Double billing or billing error on our part
• Payment fraud involving unauthorised use of your means of payment

5.2 Cases without refund

The following cases do not give rise to a refund:

• Voluntary cancellation by the User during a subscription period (access remains open until the expiry date)
• Disciplinary sanction for breach of the Terms or the Acceptable Use Policy
• Subjective loss of interest by the User after substantial consumption of the content (outside the 30-day guarantee above)
• Failure of the User to achieve their financial objectives; we remind you that the Services do not guarantee any return (see the Educational Disclaimer)

6. Chargebacks and payment disputes

6.1 Principle

We favour amicable resolution. Before initiating any chargeback procedure with your bank or your payment service provider, we invite you to contact us at contact@alchimiecapital.com.

6.2 Abusive chargeback

Opening a chargeback without legitimate grounds (unsubstantiated dissatisfaction, commercial pressure, etc.) after significant consumption of the Services may result in:

• Immediate suspension of the account
• Invoicing of processing fees (25 € per case)
• Reporting to the anti-fraud department of our payment service provider
• Recovery action for the amount wrongly disputed

6.3 Legitimate chargeback

In the event of proven fraud on your means of payment or erroneous billing, a chargeback is the appropriate route and we will cooperate fully.

7. VAT and invoicing

7.1 Applicable VAT

Alchimie Capital LLC, established in the United States of America, provides electronically supplied services to consumers established in the European Union. As such, it is registered under the Non-Union OSS scheme (non-Union One-Stop-Shop, Implementing Regulation (EU) 2019/2026) in a European Member State of identification, and collects the VAT of the country of residence of the final consumer in accordance with Art. 58 of Directive 2006/112/EC (place of taxation = place of the non-taxable customer).

The OSS registration details (Member State of identification and Non-Union VAT number) are provided on request at contact@alchimiecapital.com.

The applicable rates are those of the consumer's country of residence:

• France: 20%
• Belgium: 21%
• Luxembourg: 17%
• Other EU States: local rate

OSS returns are filed quarterly; the amounts collected are paid in full to the tax authority of the Member State of identification, which redistributes them to the national administrations of the countries of consumption.

7.2 Invoices

Each payment gives rise to an invoice that can be downloaded from your personal area. Invoices include:

• Full identification of Alchimie Capital LLC
• Your identification (name, address)
• Description of the service
• Amount excluding VAT, VAT rate, amount including VAT
• Sequential invoice number
• Invoice date

We retain invoices for 7 years in accordance with the applicable accounting obligations.

8. Refund procedure

8.1 Means of payment

The refund is made by credit to the original means of payment. If this means is no longer available (expired card, closed account), we will contact you to agree on an alternative (most often a SEPA transfer).

8.2 Timeframe

• Internal processing: within 7 business days after acceptance of the request
• Banking timeframe: 2 to 10 additional business days depending on your bank

8.3 Currency

Refunds are made in the same currency as the original payment. No exchange rate risk is borne by the User as a result of Alchimie Capital LLC.

9. Mediation and remedies

9.1 Prior complaint

Send any complaint to contact@alchimiecapital.com. We respond within 14 business days.

9.2 Consumer mediation

In the event of a persistent disagreement, you may have recourse to:

• European ODR platform: https://ec.europa.eu/consumers/odr
• France: Consumer mediator (to be appointed, to be indicated here)
• Belgium: Consumer Mediation Service (Service de médiation pour le consommateur), https://mediationconsommateur.be

9.3 Jurisdiction

See Article 15 of the Terms and Conditions.

10. Contact

Support e-mail: contact@alchimiecapital.com Registered office: Alchimie Capital LLC, 4405 Jager Dr NE, Ste C4, Box 2043, Rio Rancho, NM 87144, New Mexico, United States

Last updated: 2026-06-12, v1.2 (adaptation to the Odesio subscription, Odesio brand, removal of placeholders, internal links corrected)