1. Interpretation and Definitions

In this Policy, the following terms have the meanings set out below:

• "Company" means SORC Defence, a business registered and operating in the Province of Saskatchewan, Canada.
• "Subscriber" means any individual or entity that purchases a Subscription through the Company's website.
• "Subscription" means a recurring or fixed-term licence to access the Company's intelligence products and digital services, as described on the Subscriptions page.
• "Billing Date" means the calendar date on which a Subscription payment is processed by Stripe.
• "Billing Period" means the period of access purchased — either one calendar month (Monthly Subscription) or twelve consecutive calendar months (Annual Subscription) — commencing on the Billing Date.
• "Digital Content" means intelligence briefs, risk profiles, conflict timelines, regulatory tracker entries, and AI-assisted analysis tools delivered electronically.

2. Governing Law and Jurisdiction

This Policy is governed by and construed in accordance with the laws of the Province of Saskatchewan and the federal laws of Canada applicable therein. Any dispute arising from or relating to this Policy, a Subscription, or a transaction with the Company shall be subject to the exclusive jurisdiction of the courts of Saskatchewan.

Where applicable, this Policy is intended to comply with the Consumer Protection and Business Practices Act, SS 2013, c C-30.2 (Saskatchewan), the Electronic Commerce Act, SS 2000, c E-7.22, and the Personal Information Protection and Electronic Documents Act (PIPEDA), SC 2000, c 5.

3. Nature of Digital Content — Immediate Delivery

All Subscriptions provide access to Digital Content that is delivered electronically and made available immediately upon payment confirmation. By completing a purchase, the Subscriber expressly acknowledges and agrees that:

• Digital Content is delivered and accessible immediately upon activation;
• The Subscriber waives any applicable statutory cooling-off or cancellation right that would otherwise apply under consumer protection legislation, to the extent permitted by law, on the basis that performance of the contract has begun with the Subscriber's express consent prior to the expiry of any such period; and
• The nature of the Digital Content — time-sensitive geopolitical intelligence, regulatory analysis, and AI-assisted tools — makes it unsuitable for return or reversal once accessed.

4. Monthly Subscriptions

Monthly Subscriptions are billed on a recurring basis on the Billing Date of each calendar month. The following terms apply:

• Access period: Each payment purchases access for one full Billing Period. The length of the Billing Period corresponds to the number of days in the calendar month in which the Billing Date falls — 28, 29, 30, or 31 days, as applicable.
• Cancellation: The Subscriber may cancel a Monthly Subscription at any time through their Account portal or by contacting the Company. Cancellation takes effect at the end of the current Billing Period. Access continues in full until that date.
• No partial refunds: No refund, credit, or pro-rated adjustment will be issued for any unused portion of a Billing Period following cancellation. The Subscriber retains full access until the Billing Period expires.
• Automatic renewal: Monthly Subscriptions renew automatically unless cancelled before the next Billing Date. The Subscriber is responsible for cancelling prior to renewal if continued access is not desired.

5. Annual Subscriptions

Annual Subscriptions are billed in full at the time of purchase for a twelve-month access period. The following terms apply:

• Access period: Payment in full grants access for twelve consecutive calendar months commencing on the Billing Date.
• Cancellation: The Subscriber may cancel an Annual Subscription at any time. Cancellation prevents automatic renewal at the end of the twelve-month term. Access continues in full until the expiry of the twelve-month period for which payment was made.
• No refunds for remaining months: No refund, credit, or pro-rated adjustment will be issued for any months remaining in the annual term following cancellation. The Subscriber retains full access until the natural expiry date of the Subscription.
• No automatic renewal after cancellation: Once cancelled, the Subscription will not renew at the end of the annual term. No further charges will be applied.

6. No-Refund Policy — General

Subject to Section 7 (Exceptions), all sales are final. The Company does not issue refunds, credits, chargebacks, or pro-rated adjustments under any circumstances, including but not limited to:

• Change of mind or decision not to use the Subscription;
• Failure to cancel prior to an automatic renewal;
• Partial use or non-use of Digital Content during a Billing Period;
• Dissatisfaction with the content, analysis, or conclusions contained in any intelligence product;
• Duplication of a purchase;
• Technical difficulties on the Subscriber's end (device, browser, internet connectivity).

By completing a Subscription purchase, the Subscriber unconditionally acknowledges and accepts this no-refund policy in full.

7. Exceptions

Notwithstanding Section 6, the Company will issue a full refund in the following limited circumstances:

• Duplicate charge: Where a technical error results in the Subscriber being charged more than once for the same Subscription in the same Billing Period, the Company will refund the duplicate charge upon written request submitted within 14 days of the erroneous charge.
• Service unavailability: Where the Company's platform is wholly inaccessible for a continuous period exceeding 72 hours due to a fault attributable solely to the Company (excluding scheduled maintenance, force majeure, or third-party infrastructure failures), the Company may, at its sole discretion, issue a pro-rated credit for the affected period.
• Statutory rights: Nothing in this Policy limits or excludes any right the Subscriber may have under applicable mandatory consumer protection legislation that cannot lawfully be excluded.

Refund requests under this section must be submitted in writing to [email protected] with the subject line "Refund Request — [Order Reference]" within 14 days of the charge giving rise to the request.

8. Payment Processing

All payments are processed by Stripe, Inc. The Company does not store payment card data. Stripe's terms of service and privacy policy govern the processing of payment information. The Company is not liable for errors, delays, or failures attributable to Stripe's payment infrastructure.

Receipts are issued automatically by Stripe upon successful payment and delivered to the email address provided at checkout. It is the Subscriber's responsibility to retain receipts for their records.

9. Chargebacks and Disputes

The Subscriber agrees to contact the Company directly at [email protected] before initiating any chargeback or payment dispute with their financial institution or card issuer. The Company will make reasonable efforts to resolve legitimate disputes within 5 business days of receipt.

Initiating a chargeback in circumstances not covered by Section 7 constitutes a breach of this Policy. The Company reserves the right to suspend or permanently terminate access to the platform for any Subscriber who initiates a chargeback in bad faith, and to pursue recovery of amounts wrongfully reversed through applicable legal channels.

10. Account Termination by the Company

The Company reserves the right to suspend or terminate a Subscriber's account and access to Digital Content where the Subscriber:

• Breaches these terms or any other applicable policy of the Company;
• Shares access credentials with unauthorised third parties;
• Attempts to circumvent access controls, scrape content, or redistribute Digital Content without authorisation;
• Engages in conduct that the Company reasonably determines to be harmful to the platform, other subscribers, or the Company's reputation.

In the event of termination for cause, no refund will be issued for any remaining Billing Period. In the event of termination without cause by the Company, a pro-rated refund for the unused portion of the current Billing Period will be issued.

11. Amendments to This Policy

The Company reserves the right to amend this Policy at any time. Material changes will be communicated to active Subscribers by email at least 14 days prior to taking effect. Continued use of the Subscription after the effective date of any amendment constitutes acceptance of the revised Policy.

The current version of this Policy is always available at https://www.sorcdefence.com/subscription-billing-policy. The date of last revision is noted at the top of this document.

12. Contact

For questions, billing inquiries, or refund requests under Section 7, contact the Company at: