Effective date: 18 September 2026
The short version
You get 30 days free, and we do not ask for a card to give you them. Once you have chosen to pay, we do not give refunds.
We would rather you found out Life Hub is not for you without spending anything than get your money back after a month of wondering.
There are exceptions, and they are real ones — they are in section 3.
1. Try it first — properly
Every new household gets 30 days of full access, free.
- No payment method is required. We do not take a card, place a hold, or ask you to "remember to cancel".
- Nothing starts charging by itself at the end. When the trial ends, your household becomes read-only for 30 days, and then access closes. Nothing is deleted — subscribing at any point reopens everything exactly as you left it, and you can download a full copy whenever you like.
- 30 days is deliberate. It spans a full month of a budget, a full billing cycle, and — for the households this is built for — at least one bad week. A week would tell you whether the app looks nice. A month tells you whether it helped.
If Life Hub is not right for you, do nothing. You will not be charged.
2. After you subscribe
Once you have subscribed, fees already paid are not refunded, including:
- The remainder of a monthly period after you cancel.
- The remainder of an annual term after you cancel.
- Periods you did not use, or forgot you were paying for.
You keep full access until the end of the period you have paid for, then 30 days of read-only, and then access closes with nothing deleted. See the Cancellation Policy.
Why it is drafted this way. A 30-day trial with no card is the refund, taken in advance. Anything beyond that would have to be administered by one person, and that cost would end up in the price for everyone.
3. When we do refund
We are not going to hide behind the paragraph above. We will refund, on request:
- We charged you by mistake. A duplicate charge, a charge after a cancellation took effect, or a charge on a household you had already deleted. In full, always.
- We changed the price without telling you. If a renewal is charged at a new price and we did not give you the 30 days' notice the Terms promise, the difference is refunded — or the whole charge, if you would rather cancel.
- We discontinue Life Hub. The unused portion of any prepaid period is refunded.
- We closed your household and you had not broken the Terms.
- A prolonged failure that was ours. If the Service is unusable for a sustained period because of something on our side and we cannot fix it, tell us. We will do something sensible about the affected period.
- The law says so. Where any consumer-protection or distance-selling law that applies to you gives you a refund right, you have it, and nothing in this policy takes it away — see section 6.
4. How to ask
Email craftdreamsco@gmail.com from the address on the account, with:
- the email address on the household, and
- the charge — date and amount — or a Stripe receipt number.
We will reply within 5 business days. Approved refunds go back to the original payment method and usually appear within 5 to 10 business days, depending on your bank. We do not refund by any other method.
5. Chargebacks
If something looks wrong, please write to us before disputing the charge with your bank. We can usually fix a billing mistake within a day, and a chargeback costs us a fee whatever the outcome.
We may suspend a household while a chargeback is open. We will not close it or delete data because of one.
6. Your statutory rights
This policy sits alongside your legal rights, not instead of them.
If you are in Ontario, Ontario's Consumer Protection Act, 2002 applies to this purchase, and nothing here limits it or asks you to give up any right it grants you. If you are elsewhere in Canada, your own province's consumer-protection law applies in the same way.
Where this policy and the law disagree, the law wins.
`[REVIEW NOTE for counsel: please confirm whether a rolling monthly or annual SaaS subscription falls within the "future performance agreement" provisions of the CPA 2002 (ss.22–26). If it does, the statutory cancellation and refund rights there override the "no refunds" position in section 2 and this document needs a further clause saying so explicitly.
Ontario's Consumer Protection Act, 2023 received Royal Assent on 6 December 2023 but, as at 17 September 2026, has not been proclaimed in force and its regulations are not final. This policy is written to the 2002 Act. It will need revisiting when the 2023 Act is proclaimed.]`
7. Contact
Craft Dreams Co.
craftdreamsco@gmail.com