ActuallySpeak

Refund & Cancellation Policy

This policy explains how cancellation, the statutory cooling-off period and refunds work for paid ActuallySpeak subscriptions and one-off purchases (including live class bookings). It forms part of our Terms of Service. ActuallySpeak is operated by Matthew Fabling, a sole trader trading as "Smooth English", in connection with [Smooth English Company — VERIFY legal entity name and registered address].

1. Your free week, and when you are charged

When you create an ActuallySpeak account we unlock full access for 7 days inside the app. It costs nothing, it does not ask for a card, and it is granted once per person. It is not a subscription: it does not renew, and nothing is charged when it ends. If ActuallySpeak is not for you, simply stop using it — there is nothing to cancel and nothing to pay.

Subscribing is a separate, paid step. All three plans (General English Pro, IELTS Premium Monthly, IELTS Premium Annual) take your first payment on the day you subscribe. There is no additional free period at checkout, so please use your free week to decide before you pay. Your statutory 14-day cooling-off right, explained in section 2, still applies to that first payment.

2. Your 14-day right to cancel (cooling-off)

Because you buy online without meeting us in person, your subscription is a "distance contract" under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. This gives you the right to cancel within 14 days of entering into the contract, without giving a reason.

ActuallySpeak is a digital service that we make available to you immediately. When you tick the box to agree to our terms at checkout, you expressly ask us to start providing the service straight away and you acknowledge that you will lose your right to cancel once the service has been fully supplied. In practice:

• Your free week happens inside the app before any payment, so walking away during it costs you nothing — regardless of the above.
• If you have been charged and you contact us within 14 days of that first charge, we will refund it. Where you have already used the paid service during that period, we may deduct a proportionate amount for the service supplied up to the point you told us you wanted to cancel, as the law allows.

To use this right, email actuallyspeak.help@gmail.com with the email address on your account. You may use the model cancellation wording: "I hereby give notice that I cancel my contract for the ActuallySpeak subscription."

3. Refunds after the cooling-off period

Once the 14-day cooling-off period has passed, we do not refund the period you have already paid for. You can cancel at any time to stop the next renewal, and you keep full access until the end of your current paid period.

4. How this works per plan

Plan	Price	If you cancel
General English Pro	£2.99 / month	Within 14 days of first charge: refundable (less any use). After that: cancel stops the next monthly charge; access continues to month end.
IELTS Premium Monthly	£4.99 / month	Same as above.
IELTS Premium Annual	£29.50 / year	Within 14 days of first charge: refundable (less any use). After that: the remainder of the year is non-refundable, but you can cancel to prevent renewal next year.

5. How to cancel

You can cancel in either of these ways — it takes a minute and is as easy as joining:

• Self-service: open the Stripe billing portal from the link in your payment confirmation email or your account, and choose "Cancel plan".
• By email: message actuallyspeak.help@gmail.com from your account email and we will action it.

Cancellation stops future renewals. You are not locked into any minimum term beyond the period you have already paid for.

6. If something is wrong with the service

Under the Consumer Rights Act 2015, the digital service must be of satisfactory quality, fit for purpose and as described. If it is faulty or not as described and we cannot fix it within a reasonable time, you may be entitled to a price reduction or a refund. These statutory rights apply in addition to everything above and cannot be taken away by this policy.

7. Chargebacks

If you think you have been charged in error, please contact us first — we will almost always resolve it quickly. Raising a bank chargeback without contacting us may result in your account being suspended while the dispute is investigated.

8. Live classes (one-off bookings)

Live classes booked through the Academy timetable are paid for individually via Stripe Checkout. The following cancellation policy applies to each booking:

To cancel a class booking, use the cancellation option in the timetable (where available) or email actuallyspeak.help@gmail.com from your account email, quoting the class date and time. Refunds are returned via Stripe to your original payment method, normally within 5–10 business days.

If a class is not delivered as described, or a technical failure on our side prevents it from taking place, your statutory rights under the Consumer Rights Act 2015 apply as set out in section 6 — regardless of the timings above.

9. One-off purchases vs subscriptions

The two kinds of payment work differently, so here is the distinction in plain terms:

• Subscriptions (General English Pro, IELTS Premium Monthly, IELTS Premium Annual) are charged on the day you subscribe. The cooling-off rules in section 2 and the renewal rules in sections 3–5 apply from that first charge.
• One-off purchases (such as live class bookings) are charged at checkout, the same as subscriptions. For live classes, the class-specific cancellation policy in section 8 applies. For any other one-off digital purchase, your 14-day cooling-off right applies unless you have asked us to supply the content immediately and acknowledged losing that right at checkout, in line with the Consumer Contracts Regulations 2013.
• In every case, your statutory rights (section 6) sit on top of this policy and cannot be reduced by it.

10. Contact

Questions about cancelling or a refund? Email actuallyspeak.help@gmail.com and we aim to reply within 2 business days.