{{-- DRAFT: Generated {{ date('Y-m-d') }}. Review by UK-qualified solicitor recommended before launch. --}}
<x-layouts.legal
    title="Refund & Cancellation Policy"
    heading="Refund &amp; Cancellation Policy"
    lastUpdated="{{ now()->format('j F Y') }}"
    metaDescription="Your right to cancel a FuelAlert subscription, including the 14-day cooling-off period under UK law.">

    <section class="space-y-3">
        <h2 class="font-display text-2xl font-bold text-zinc-900">1. Your 14-day right to cancel</h2>
        <p>
            Under the <strong>Consumer Contracts (Information, Cancellation and Additional Charges)
            Regulations 2013</strong>, you have <strong>14 days</strong> from the date you subscribe
            to a paid plan to cancel without giving a reason. This is sometimes called the
            "cooling-off period".
        </p>
        <p>
            This 14-day right applies to <strong>new subscribers only</strong>. It does not apply to
            subsequent automatic renewals of an existing subscription.
        </p>
    </section>

    <section class="space-y-3 rounded-lg border-l-4 border-accent bg-white/70 p-6">
        <h2 class="font-display text-2xl font-bold text-zinc-900">2. Express consent to start the service immediately</h2>
        <p>
            When you subscribe, we ask you to choose whether the paid features should be available
            to you immediately. If you tick the consent box and start using paid features within the
            14-day window, you expressly acknowledge that:
        </p>
        <ul class="list-disc space-y-1 pl-6">
            <li>The service is being supplied to you straight away;</li>
            <li>
                <strong>You will lose your right to cancel under the Consumer Contracts Regulations
                2013 once the service has been fully supplied</strong> (i.e. once you have used the
                paid features during the cooling-off period).
            </li>
        </ul>
        <p>
            If you do <strong>not</strong> tick the express-consent box, your subscription is still
            created but paid features remain inactive until the cooling-off period ends, or until
            you change your mind and confirm consent.
        </p>
        <p>
            If you cancel within the 14-day window <strong>before</strong> using any paid features,
            you receive a <strong>full refund</strong>. If you cancel within the window after using
            some paid features, we may reduce the refund proportionally to reflect usage, as
            permitted by the Regulations.
        </p>
    </section>

    <section class="space-y-3">
        <h2 class="font-display text-2xl font-bold text-zinc-900">3. How to cancel</h2>
        <p>You can cancel a subscription in either of these ways:</p>
        <ul class="list-disc space-y-1 pl-6">
            <li>From your account: <strong>Settings &rarr; Subscription &rarr; Cancel</strong>.</li>
            <li>By emailing <a href="mailto:[PLACEHOLDER: hello@fuelalert.co.uk]" class="text-accent underline">[PLACEHOLDER: hello@fuelalert.co.uk]</a> from the address on your account.</li>
        </ul>
        <p>
            Unless you are exercising the 14-day right above, cancellation takes effect at the end
            of the current billing period. You keep access to paid features until that date.
        </p>
    </section>

    <section class="space-y-3">
        <h2 class="font-display text-2xl font-bold text-zinc-900">4. Refunds outside the 14-day period</h2>
        <p>
            Outside the 14-day cooling-off window, subscription fees are <strong>non-refundable</strong>
            for the remainder of the period you have paid for. You keep access to paid features
            until the end of that period; the subscription simply does not renew.
        </p>
        <p>
            We may issue discretionary refunds where there has been a service failure on our side or
            where required by law.
        </p>
    </section>

    <section class="space-y-3">
        <h2 class="font-display text-2xl font-bold text-zinc-900">5. Annual subscriptions</h2>
        <p>
            The 14-day cooling-off right applies to annual subscriptions in the same way as monthly
            subscriptions. After the 14 days, annual fees are non-refundable; we do not issue
            pro-rata refunds for unused months of an annual plan.
        </p>
    </section>

    <section class="space-y-3">
        <h2 class="font-display text-2xl font-bold text-zinc-900">6. Failed payments and involuntary cancellation</h2>
        <p>
            If a renewal payment fails, we and Stripe will retry the payment over a short period and
            email you. Paid features are suspended after the final unsuccessful retry. Your account
            itself is <strong>not deleted</strong>; you can resume by updating your payment method.
        </p>
    </section>

    <section class="space-y-3">
        <h2 class="font-display text-2xl font-bold text-zinc-900">7. How long refunds take</h2>
        <p>
            Approved refunds are issued to the original payment method via Stripe and typically
            arrive in your account within 5&ndash;10 business days, depending on your bank or card
            provider.
        </p>
    </section>

    <section class="space-y-3">
        <h2 class="font-display text-2xl font-bold text-zinc-900">8. Contact</h2>
        <p>
            For refund or cancellation queries, email
            <a href="mailto:[PLACEHOLDER: hello@fuelalert.co.uk]" class="text-accent underline">[PLACEHOLDER: hello@fuelalert.co.uk]</a>.
        </p>
    </section>
</x-layouts.legal>