Withdrawal and Cancellation Policy
Digital products and web applications — financialserviceszakynthos.com and /apps/
NOM-SHOP-02 · Version 2.6 · Last updated: 18/10/2026
1. Who this applies to and what it covers
This policy applies to every purchase or registration made by a consumer through the website financialserviceszakynthos.com and the applications of FINANCIAL SERVICES Ο.Ε. (the “Company”) operated under /apps/, namely:
Web applications: for example FSZ GEMI, FSZ KIMDIS and FSZ Diavgeia, and any other application added under /apps/, in any Plan and on any charging basis (subscription or one-off payment). These applications are digital services.
A consumer is a natural person acting for purposes outside their trade, business or profession. Sales to consumers are made only to residents of Greece, in accordance with the General Terms of Sale.
For sales to businesses and professionals there is no statutory right of withdrawal; the General Terms of Sale and the Subscription Terms apply. This policy does not cover the accounting and tax services of the office, which are provided under a separate contract.
2. Summary by product
Product Right of withdrawal When it is lost or limited What the consumer owes Web application — subscription 14 days from conclusion of the contract Not lost during the 14 days, because a continuing service has not been fully performed (section 5) A proportionate amount for the period the service was supplied, only if the consumer expressly requested it to start before the period ended Web application — one-off access or plan 14 days from conclusion of the contract After full performance of the service, if there was express consent and acknowledgement of the loss (section 5.4) A proportionate amount for the period the service was supplied, on the same condition Free Plan No price is paid — Nothing. The account may be deleted at any time Sale to a business Does not apply — The Subscription Terms apply 3. The 14-day period
The consumer may withdraw from the contract within fourteen (14) calendar days, without giving any reason and without incurring any cost other than those expressly provided in this policy and by law.
Start. The period starts on the day the contract is concluded, that is, on confirmation of successful payment. It does not depend on when the consumer uses the application.
Meeting the deadline. The deadline is met if the withdrawal statement is sent, or the online withdrawal function is used, before the period expires.
No reason required. The Company does not ask for or examine the reason for withdrawal.
4. Web applications (digital services)
4.1 General rule
Web applications are supplied as a digital service and not as a file for download. The consumer may withdraw within 14 days of conclusion of the contract, on the terms of this section.
4.2 Starting the service within the period
The Company begins to supply the application before the withdrawal period ends only if the consumer expressly requests it, by a separate, non-pre-ticked checkbox before payment:
“I expressly request that the application be supplied immediately, before the end of the 14-day withdrawal period. I understand that, if I withdraw, I will owe an amount proportionate to the service supplied up to the moment I inform the Company of my withdrawal.”
If the consumer does not make this request, the consumer owes nothing for any use of the service during the withdrawal period.
4.3 Withdrawal after the service has started
If the consumer withdraws after expressly requesting the service to start, the consumer owes the Company an amount in proportion to what has been supplied until the time the Company was informed of the withdrawal, in comparison with the full coverage of the contract. The amount is calculated on the basis of the total price agreed in the contract. If the total price is excessive, it is calculated on the basis of the market value of what has been supplied.
Illustrative example (not a product price): monthly subscription of €10, 30-day period; the consumer withdraws on day 6. The consumer owes €10 × 6/30 = €2 and €8 is refunded.
Method of calculation. Proportionate amount = price of the billing period × (calendar days from the start of the service until the withdrawal statement is submitted) ÷ (days of the billing period). Each day that has begun counts as a full day. The result is rounded to the nearest euro cent and never exceeds the price paid. In KIMDIS the price is the total amount for all body seats.
4.4 Service fully performed
The right of withdrawal does not exist after a service has been fully performed, provided performance began with the consumer’s express prior consent and acknowledgement that the right will be lost once the contract has been fully performed by the Company. A continuing subscription is not regarded as fully performed during the 14 days; section 4.3 applies to it.
4.5 Free Plan and trial use
No price is paid for the free Plan and no withdrawal is needed; the consumer may delete the account at any time. If, after free use or a trial without a card, the consumer buys a paid Plan, the 14-day period starts from conclusion of the paid contract. Trial period: a seven (7)-day trial of the PREMIUM Plan is offered, without a card (new registrations) and with a card, as set out in the Subscription Terms. The trial without a card is not a paid contract and requires no withdrawal. In the trial with a card the paid contract is concluded at registration and the 14-day period starts from then, so it includes the seven (7) days of the trial; the trial days are not charged and are not counted in the proportionate amount. The consumer may cancel before the first charge at no cost.
4.6 Upgrading or changing Plan
An upgrade to a higher Plan is treated as a new contract for the price difference and gives a new 14-day withdrawal period for that difference. On withdrawal the account reverts to the previous Plan.
5. Cancelling a subscription
Cancelling a subscription is different from withdrawing. A subscriber may cancel at any time, without penalty:
from the “Subscription” section in the side bar or from the account Settings or by email to financialserviceszth@gmail.com;
cancellation takes effect at the end of the current billing period and the service remains available until then;
the price of a billing period that has already started is not refunded, unless withdrawal within the period or a lack of conformity applies;
automatic renewals continue the same contract and do not give a new right of withdrawal; the Company notifies the subscriber by email seven (7) days before each renewal.
Prices, billing cycle and renewal are governed in more detail by the Subscription Terms.
6. How to withdraw
6.1 Online withdrawal function
The website and the applications provide an online function labelled “Click here to withdraw”, clearly visible and easy to reach in the footer of every page of the website and in the account area, available throughout the withdrawal period. Using it requires no reason and has no cost.
Step 1. The consumer enters their full name, the details of the contract (product and order number or date) and the contact detail at which they will receive the confirmation.
Step 2. The consumer submits the statement using the button labelled “Confirm withdrawal”.
Step 3. Without undue delay, the Company sends an acknowledgement of receipt on a durable medium (email), showing the content of the statement and the date and time of submission.
6.2 Other ways
By email to financialserviceszth@gmail.com, with a clear statement of the decision to withdraw.
By post to 10 I. Plessa St., 29100 Zakynthos, Greece.
By any other unequivocal statement of the decision to withdraw.
Use of the model form in Annex A is not mandatory. To meet the deadline it is sufficient to send the statement before the period expires.
7. Effects of withdrawal
Refund. The Company refunds every amount received without undue delay and no later than fourteen (14) days from the day it is informed of the withdrawal, using the same means of payment as the consumer used, at no cost to the consumer. For applications, the proportionate amount of section 4.3 is deducted. How soon the refund appears on the card account depends on the consumer’s bank.
Invoice. A corresponding corrective tax document is issued for the refund.
Access. On withdrawal the subscription is cancelled immediately, the Company disables access to the paid application and the account returns to the free Plan.
Data. The consumer may export their account data for thirty (30) days after withdrawal. After that the data is deleted or anonymised in accordance with the Privacy Policy.
8. Defective or non-conforming product
This policy does not affect the consumer’s rights where a digital service lacks conformity (bringing into conformity, proportionate price reduction, termination of the contract). These rights are exercised independently of the right of withdrawal and are described in the General Terms of Sale.
9. Contact and complaints
FINANCIAL SERVICES Ο.Ε., 10 I. Plessa St., 29100 Zakynthos, Greece · VAT No. 802029709, Zakynthos Tax Office · GEMI No. 168484324000 · financialserviceszth@gmail.com. Section 16 of the General Terms of Sale applies to complaints and alternative dispute resolution.
Annex A — Model withdrawal form
Complete and return this form only if you wish to withdraw from the contract.
To: FINANCIAL SERVICES Ο.Ε., 10 I. Plessa St., 29100 Zakynthos, Greece, email: financialserviceszth@gmail.com
I hereby give notice that I withdraw from my contract for the supply of the following web application or subscription:
Product / application / Plan: ........................................................
Order number: ...................................................................
Ordered on: .....................................................................
Name of consumer: .............................................................
Address of consumer: ..........................................................
Email: ...........................................................................
Date: .............................................................................
Signature (only if this form is sent on paper): ........................