DRAFT for legal review — not final, not in force. See 00-README. Two things live here: Part A is a shopper-facing notice CIQRA shows on Storefronts to explain the CIQRA/Merchant/Stripe relationship; Part B is a model refund/return policy template CIQRA provides to Merchants to adopt and adapt. `` = lawyer to verify.

Provider: CIQRA OÜ, Tallinn, Estonia · Version: 1.0-draft · 2026-07-08

Key point: The Merchant is the seller and your contract is with the Merchant, not CIQRA. CIQRA provides the store software; Stripe processes payment. This document does not replace the Merchant's own terms and consumer-law obligations.

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Part A — Shopper Notice (CIQRA-provided, shown on Storefronts)

Intended for a "Powered by CIQRA" / checkout footer or a linked notice. The Merchant's own terms, privacy notice and refund policy govern the purchase.

A.1 Who you are buying from. When you buy on this store, you are entering a contract with the store (the Merchant), who is the seller and merchant of record. CIQRA OÜ provides the e-commerce software the store runs on; CIQRA is not the seller and is not a party to your purchase.

A.2 How payment works. Payments are processed securely by Stripe. Card details are entered directly into Stripe's secure fields; the store and CIQRA never see or store your full card number. CIQRA does not hold your money — funds go to the store via Stripe.

A.3 Your consumer rights. Your statutory consumer rights apply against the store. If you are an EU/EEA consumer, this usually includes a 14-day right of withdrawal for distance purchases (with legal exceptions, e.g. made-to-order items, unsealed hygiene/health goods, and digital content/services you agreed to start immediately), plus statutory guarantees for faulty goods. The store must honour at least the legal minimum and may offer more. See the store's refund/return policy.

A.4 Refunds, returns, delivery, complaints. Requests about orders, refunds, returns, delivery, warranties and complaints are handled by the store under its published policy and applicable law. Contact the store using the details on its site.

A.5 Illegal content / product concerns. If you believe content or a product on this store is illegal or infringes rights, you can report it to the store and, for platform-level action, to CIQRA at abuse@ciqra.com (see the Acceptable Use Policy). For EU consumers, the EU Online Dispute Resolution (ODR) platform and your national consumer body are also available.

A.6 Data protection. For your order data, the store is the data controller; see the store's privacy notice. CIQRA processes that data as the store's processor (see the Privacy Policy and DPA).

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Part B — Model Refund & Return Policy (template for Merchants)

For Merchants: This is a starting template, not legal advice or a finished policy. You are the merchant of record and are responsible for a compliant refund/return policy for your goods/services, markets and customers. Fill the {{placeholders}}, adjust to your products and law, and have it reviewed. It must meet at least the mandatory consumer law of the markets you sell to. ``

B.1 Right of withdrawal (EU/EEA consumers)

If you are a consumer in the EU/EEA, you may withdraw from a distance purchase within 14 days without giving a reason, starting the day you (or a third party you name) receive the goods (or the last item, for multi-item orders), or the day of contract for services/digital. To withdraw, tell us by a clear statement (you may use the model withdrawal form, or the online "withdraw from contract" button where provided). We will refund all payments (including standard delivery) within 14 days of being informed, using the same payment method, and may withhold the refund until we receive the goods back or proof of return. You bear the direct cost of returning the goods unless we state otherwise. (Estonia: from 01.09.2026 an online withdrawal button is required for consumer distance contracts.)

Exceptions (no withdrawal right): made-to-order/personalised goods; sealed goods unsealed after delivery for health/hygiene reasons; goods that deteriorate quickly; and digital content/services where you expressly asked us to begin during the withdrawal period and acknowledged you would lose the right. {{adjust exceptions to your products}}

B.2 Returns & refunds (our policy)

• Return window: {{e.g. 14 / 30 days}} from delivery. (Must be ≥ statutory minimum where a consumer withdrawal right applies.)
• Condition: items must be {{unused / in original packaging / with tags}} unless faulty.
• How to return: {{instructions / address / RMA process}}.
• Refund method & timing: to the original payment method within {{X}} days of {{receiving the return / approving the request}}.
• Return shipping cost: {{customer pays / we pay / free over €X}}.
• Exchanges: {{policy}}.

B.3 Faulty, damaged or wrong items (legal guarantee)

Separate from any voluntary policy, consumers have statutory guarantee rights for goods that are faulty or not as described. If your item is faulty, damaged or incorrect, contact us within {{period}} and we will offer repair, replacement, or a refund as required by law. Statutory rights are not affected by this policy.

B.4 Non-returnable items

{{list, e.g. perishable goods, personalised items, gift cards, downloaded software/digital goods once accessed}} — consistent with the legal exceptions in B.1.

B.5 How to contact us

{{Merchant legal name, address, email, phone}}. EU consumers may also use the EU ODR platform ({{link}}) and their national consumer/ADR body.

B.6 Payments & who is responsible

Payment is processed by Stripe; we (the Merchant) are the seller and are responsible for refunds, which are issued via Stripe against the original payment. The platform provider (CIQRA) is not the seller.

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End of Shopper Notice & Refund Template (draft). See: Refund/Chargeback/Reserve Policy · Terms of Service §4 · Payment Terms.