@Claire @Nocta_Senestra genuine question what's the worst that could happen?
i dont think its breaking any law? at worst someone emails you within 14 days asking for a refund and then you're obligated to do it unless they signed it away separately.
im not doing it because it would be more accounting burden than i'd ever want (and you definitely want some starting capital for a dedicated bank account/corp) but it seems fully legal as long as you dont lie about entirely fake services or previous agreements