Cancellation & Refund Policy

This policy explains how subscription cancellations and refunds work for Lenduh, the software-as-a-service (SaaS) platform provided by Codero Digital Labs Services OPC (“Codero”, “we”, “us”). It applies to the recurring subscription fees our customers pay to use Lenduh. It does not govern loans, repayments, or any funds our customers collect from their own members or borrowers — Lenduh is software, and we do not hold or process those funds.

Free trial. New customers may start on a free trial. You are not charged during the trial. If you do not wish to continue, cancel before the trial ends and no subscription fee will be charged.

Billing. Paid subscriptions are billed in advance for each billing period — monthly or annually, depending on the plan you choose — and renew automatically at the end of each period unless cancelled.

Cancellation. You may cancel at any time from your account or by emailing us at hello@lenduh.com. Cancellation stops future renewals; your subscription stays active until the end of the period you have already paid for, after which it will not renew or be charged again.

Refunds. Subscription fees are generally non-refundable once a billing period has started, because the service is made available to you for the whole period. We will, however, provide a refund in these cases:

• Duplicate or erroneous charges — refunded in full.
• Annual plans — if you cancel within fourteen (14) days of an annual charge and have not substantially used the service for that period, you may request a refund of the unused portion.
• Material service failure — if the platform is unavailable or materially fails to work for an extended period due to our fault, we will provide a pro-rated credit or refund for the affected time.

How to request a refund. Email hello@lenduh.com from your registered contact, with your account / company name and the charge in question. Approved refunds are returned to the original payment method, normally within five (5) to ten (10) business days — the time for the amount to appear depends on your bank or card issuer.

Payment disputes. If you believe a charge is incorrect, please contact us first at hello@lenduh.com so we can resolve it quickly; this is usually faster than filing a card dispute.

Contact. Codero Digital Labs Services OPC · hello@lenduh.com · 51/F PBCOM Tower, 6795 Ayala Ave. cor. V.A. Rufino St., Brgy. Bel-Air, Makati City 1209, Philippines.