Refund Policy

Last updated: October 7, 2026

Credit packs are one-time digital purchases sold by A.B. DIGITAL HORIZON SYNDICATE LIMITED through Paddle, our merchant of record. Paddle’s Refund Policy applies to every purchase and this page summarises how it works for you.

What you buy

• A one-time pack of credits: 60 credits for $3 or 140 credits for $6. Credits are added to your account once Paddle confirms the payment, and one credit unlocks one new pattern PDF.
• There is no subscription. Nothing renews and there is nothing to cancel.
• The 3 credits you get for free at sign-up cost nothing and have no cash value.

Your right to a refund

• If you are a consumer in the EU, EEA, Switzerland or the UK you have a 14-day right to withdraw from some digital content and service contracts and receive a full refund. It may not apply once you have started to use the digital content and you gave your express consent to waive it.
• Some other countries give shorter periods, such as 5 to 7 days in Canada, Singapore, South Korea, Brazil and China. Paddle applies the highest protection your country gives you.
• Outside these rights, Paddle may refund at its discretion if you ask within 14 days of the purchase. Asking does not guarantee a refund.
• Nothing here limits your mandatory consumer rights.

How to request a refund

• Use the support link in your Paddle receipt email, or go to paddle.net and choose “Request refund”.
• EU consumers can also use the withdrawal button in the Paddle Customer Portal during the 14-day period.
• Refunds go back to the original payment method.

If something goes wrong

• If credits do not appear after you paid, or a PDF fails or is faulty, email privacy@thecrossstitch.com first with the address you signed in with and your Paddle receipt or transaction number. We will fix it or restore the credit.
• If we cannot resolve it, contact Paddle with the details and our reply. Where there is a material defect, Paddle refunds in line with consumer law.

After a refund

• When a purchase is refunded, access ends for what it provided: we remove the credits that purchase added to your account.
• If you start a chargeback or payment dispute, the account may be suspended while it is reviewed. Please contact Paddle or us first, we would much rather fix it.

Contact

A.B. DIGITAL HORIZON SYNDICATE LIMITED, privacy@thecrossstitch.com. See also our Terms of Service and contact page.