Cancellation Policy

Right of withdrawal from contractual agreements concerning the delivery of / access to digital content on non-physical data media

Consumers have a right to withdraw from contracts within a period of 14 days.

      Right to withdraw

You are entitled to cancel the contractual agreement, without providing reasons, within a period of 14 days counting from the date on which the contract was concluded pursuant to Article 2 of these General Terms and Conditions of Trade. It is assumed that the agreement is concluded when you have clicked on the button “I agree to be bound by the General Terms and Conditions of Trade”, the payment procedure has been successfully completed and CRAG has provided you with the possibility of downloading your selected product.

In order to exercise your right of withdrawal, you shall have to address an unambiguously worded declaration of your decision to cancel the contract by mail, fax or email to Creditreform Rating AG, Europadamm 2-6, 41460 Neuss; fax: +49 2131 109-626; email: You can use the withdrawal form (see the attached sample) for this purpose, but are not obliged to do so. If you want to exercise your right of cancelling the contract, it is sufficient that you dispatch a letter, fax or email before the withdrawal period expires in which you inform us of your intention to withdraw from the contract.

2 Consequences of a withdrawal

If you cancel this contract, we shall have to reimburse you all payments that we have received from you including delivery costs (with the exception of any additional costs that may have been incurred because you selected a non-standard, costlier form of delivery). We shall have to effect these payments immediately and no later than 14 days after the date on which we have received your note of cancellation. For the purposes of this reimbursement, we shall use the same means of payment that were used by you for the original purchase, unless specifically agreed otherwise between you and CRAG. Under no circumstances shall you be charged any extra fee in connection with this reimbursement.

3 Sample withdrawal form

If you want to cancel the contract as described in the preceding Articles, you can complete this form and return it to us. You are, however, not obliged to use this form.

Creditreform Rating AG

Europadamm 2-6

41460 Neuss;

Fax: +49 2131 109-626


I / we (*) hereby cancel the contractual agreement concerning the purchase of the following goods / services (*):

Ordered (*) / received on (*) (date)

Name of the consumer(s)

Address of the consumer(s)

Signature(s) of the consumer(s) (not required for notifications in electronic form)


(*) Delete as applicable.

4 Expiry of the right of withdrawal

Unless otherwise agreed by the parties, no cancellation rights can be claimed for the following types of contract:

4.1 Contracts for the provision of goods that have not been prefabricated and that are made either on the basis of certain choices and preferences expressed by the consumer or as clear customizations according to the consumer’s requirements.

4.2 Contracts for the provision of audio or video recordings or computer software in a sealed package when the seal has been broken following delivery.

4.3 The cancellation right expires when the customer provides his express consent to the performance of the contract before the expiry date of the cancellation period. For the purposes of this Article 3.4 of these General Terms and Conditions of Trade, the “performance of the contract” shall be assumed to have occurred when the selected product has been downloaded and the customer has waived his legal right of cancellation before the expiry of the cancellation period. Before every download of a digital file by a customer via the CRAG website, CRAG will procure a legally binding waiver from the customer by requiring him to tick the so-called “Opt-In Checkbox“.