Last updated: 7 July 2026
This Cancellation, Withdrawal and Refund Policy applies to purchases, paid access, digital services, automated reports, subscriptions, consulting packages, analytical outputs, and other services offered through www.ksbanalytica.com and credit-clustering.ksbanalytica.com.
The websites are operated by KSB Analytica EOOD, registered in Bulgaria with UIC 200136810.
Contact details:
This policy explains when a customer may cancel an order, withdraw from a purchase, request a refund, or annul a transaction made through the websites.
It applies to:
This policy forms part of the Terms & Conditions of KSB Analytica.
Where the customer qualifies as a consumer under applicable Bulgarian or European Union consumer protection law, the customer may have the right to withdraw from a distance contract within 14 days, without giving a reason.
The withdrawal period generally starts from the date on which the contract is concluded, unless mandatory law provides otherwise.
To exercise the right of withdrawal, the customer must clearly inform KSB Analytica of the decision to withdraw by email to:
kamen.dimitrov@ksbanalytica.com
The withdrawal request should include:
Many services offered by KSB Analytica are digital services, automated analytical services, digital content, or immediately generated outputs.
Where permitted by applicable law, if the customer expressly agrees that performance of the digital service should begin before the expiry of the 14-day withdrawal period and acknowledges that the right of withdrawal will be lost once performance begins, the customer will no longer have the right to withdraw after performance has started.
Performance may be considered to have started when, for example:
Where such consent and acknowledgement are collected during the purchase or access process, the purchase will generally be non-refundable once performance has started, except where mandatory law provides otherwise.
Due to the nature of digital services and automated reports, payments are generally non-refundable once:
This rule does not limit any mandatory statutory rights that cannot be excluded under Bulgarian or European Union law.
A customer may request cancellation before the service starts, before digital access is granted, before data processing begins, and before any report or output is generated.
If KSB Analytica confirms that performance has not started, KSB Analytica may cancel the order and refund the payment, subject to any unavoidable payment provider, bank, card issuer, or currency conversion charges.
Refunds are normally returned through the same payment method used for the original transaction, unless another method is required or agreed.
For consulting services, financial analysis, modelling, valuation-related work, advisory work, or custom engagements, cancellation terms may be agreed separately in a written offer, contract, statement of work, or email confirmation.
Unless otherwise agreed in writing:
The customer is responsible for providing accurate, complete, lawful, and reliable information.
Refunds will generally not be issued where the service has produced an incorrect, incomplete, unsuitable, or unusable output because the customer submitted:
KSB Analytica may, at its discretion, offer reasonable technical assistance or allow resubmission, but this is not guaranteed unless expressly agreed.
If a paid service cannot be delivered due to a technical failure caused by KSB Analytica's website, tool, or infrastructure, the customer should contact KSB Analytica at:
kamen.dimitrov@ksbanalytica.com
KSB Analytica may choose, depending on the circumstances, to:
No refund is due where the issue is caused by:
If the customer believes that a duplicate payment, mistaken payment, or unauthorized payment has occurred, the customer should contact KSB Analytica as soon as possible at:
kamen.dimitrov@ksbanalytica.com
The request should include the payment date, amount, payment reference, and email used for the purchase.
Where a duplicate payment is confirmed and no additional service has been delivered, KSB Analytica will refund the duplicate amount, subject to payment provider and banking limitations.
Approved refunds will be processed within a reasonable period after approval.
The time needed for the refunded amount to appear in the customer's account may depend on the payment provider, card issuer, bank, currency, and payment method.
KSB Analytica is not responsible for delays caused by banks, card issuers, payment providers, or currency conversion systems.
Before initiating a chargeback or payment dispute, customers are encouraged to contact KSB Analytica directly at:
kamen.dimitrov@ksbanalytica.com
KSB Analytica will review the issue and make reasonable efforts to resolve legitimate payment or delivery problems.
KSB Analytica reserves the right to suspend access to services, accounts, reports, tools, or digital outputs where a payment is reversed, disputed, refunded, rejected, suspected as fraudulent, or subject to chargeback.
Where the customer acts as a business, company, trader, professional, or organization and not as a consumer, statutory consumer withdrawal rights may not apply.
For business customers, cancellation and refund rights apply only as stated in this policy, the Terms & Conditions, or a separate written agreement.
Nothing in this policy limits mandatory rights that apply under Bulgarian law, European Union consumer protection law, or other mandatory legal provisions.
If any part of this policy conflicts with mandatory law, the mandatory legal rule will prevail only to the extent required.
All cancellation, withdrawal, annulment, and refund requests must be sent to:
kamen.dimitrov@ksbanalytica.com
The request should include:
KSB Analytica may request additional information to verify the transaction and assess the request.
KSB Analytica may update this Cancellation, Withdrawal and Refund Policy from time to time.
The updated version will be published on the website. Continued use of the websites or services after publication means that the customer accepts the updated policy.