Nantes. Bakery owner who built ordering software and now sells it. Refund philosophy from the bakery (unsold bread at closing: given away, never trashed) applied to SaaS (cancel-anytime, 30 days, no forms, one click, export included).
Numbers: refund rate 1.8%, chargebacks zero in 18 months, and the review wall (ex-customers leaving 5 stars mentioning the easy exit). Easy exits sell entries. The door that opens outward invites people in.
Chargeback zero secret: answer the refund email within the hour (Sam's hour, universal), refund before they ask twice, and the export tool (leaving customers take their data, not their anger).