Refund Policy

1. General

This policy applies to all services sold by Quorsio Technologies LLC (File #2026-002102167) through https://quorsio.com/ or under a written proposal. Refunds are issued to the original payment method within 5–10 business days of approval. If you paid by bank transfer, refunds are sent by bank transfer to the originating account; any bank fees are deducted.

2. Advisory call ($450)

• Reschedule or cancel more than 48 hours before the call: free of charge, full refund or free reschedule.
• Less than 48 hours' notice: 50% refund. No-show: no refund.
• If we cancel or need to move the call and no replacement time works for you: full refund.

3. Second-opinion memo ($2,500)

• Cancelled before work starts: full refund.
• Cancelled after work starts: we refund the portion of the fee not yet earned, measured against the delivery milestones in the written scope. A memo that has been delivered is non-refundable.
• If the memo is delivered late through our fault, you may request a partial refund proportional to the delay, up to 50%.

4. Monthly retainer ($3,500/month)

Retainers are billed monthly in advance. Cancel any time with 30 days' notice before your next billing date; the retainer then ends at the close of the notice period, with no partial-month refunds. Calls already taken within the current month are not refundable.

5. Research subscriptions

Paid subscriptions to the Two Tides newsletter are billed and administered by Substack, not by Quorsio, and are governed by Substack's terms and refund policy. Nothing on quorsio.com is sold behind a paywall.

6. How to request a refund

Email hello@quorsio.com with your invoice number and the reason for the request. We acknowledge every request within one business day and confirm the outcome in writing.

7. Chargebacks

Please contact us before initiating a chargeback — nearly every billing concern can be resolved faster directly. Unwarranted chargebacks may be disputed with the payment processor.

8. Statutory rights

Nothing in this policy limits mandatory consumer rights you may have under the law of your place of residence.