Example

An athlete pays R$ 1,920 upfront for an annual plan, the equivalent of R$ 160 a month against a monthly price of R$ 200. They leave after three months.

3 months usedR$ 1,440 unused balance, 9 months
What venue owners proposed
Refund 30% of the remaining months
R$ 1,008R$ 432
Kept by the venue, 70%Refunded
Unused balanceR$ 1,440
Kept by the venue− R$ 1,008
Back to the athleteR$ 432

Likely to be read as abusive under the CDC

Invites chargebacks, with fees and penalties for the merchant

What shipped
Lose the discount, pay a fee of up to 10%
R$ 264R$ 1,176
Kept, 18%Refunded
Unused balanceR$ 1,440
Discount lost on months used3 months at R$ 200 instead of R$ 160− R$ 120
Early exit fee10% of the unused balance− R$ 144
Back to the athleteR$ 1,176

Fee within the 10% benchmark courts and Procon accept

The venue is not left paying for the cancellation

Why the discount cannot be gamed

Someone who buys the annual plan for its price and leaves after one month pays the full monthly rate for that month, plus the fee.

R$ 376for one month on an annual plan, then leaving
R$ 200for one month on the monthly plan