# Refund Policy **Last updated:** [DATE] This Refund Policy describes how Tradelligent ("Company," "we," "us," or "our") handles refunds for [PRODUCT NAME] (the "Service"). This policy is part of, and incorporated into, our Terms of Service. --- ## 1. The Short Version — All Sales Are Final **[PRODUCT NAME] does not offer refunds.** All subscription fees, one-time charges, and other payments are **non-refundable**. This includes: - Monthly subscriptions - Annual subscriptions - Plan upgrades - Plan downgrades (no pro-rated credit issued) - Unused portions of any billing period - Add-on purchases, credit top-ups, or one-time fees When you subscribe, you are paying for **access** to the Service during your billing period — not for any specific outcome, result, or performance. --- ## 2. Why We Don't Offer Refunds We want to be transparent about the reasoning, because it matters: ### 2.1 Digital and AI-Powered Service The Service is a digital product powered by third-party AI infrastructure. Once you generate a single trade audit, chat message, or AI analysis, **we have already incurred real costs** for the AI compute, infrastructure, and processing involved. Those costs are not refundable to us, and we do not pass them back to you as refunds. ### 2.2 Pre-Subscription Evaluation We offer extensive **pre-purchase information** so you can decide whether the Service is right for you before paying: - Detailed feature descriptions on our website - Sample audit outputs and demos - Public content (TikTok, Instagram, YouTube) showing exactly how the Service works - Free tier or trial (where offered) to evaluate functionality before committing You are responsible for evaluating the Service before subscribing. By subscribing, you confirm you have done so. ### 2.3 The Nature of Trading Education The Service is an **education and research tool**, not a system that guarantees trading results. Disappointment with your own trading outcomes — whether profitable or not — is **not a basis for a refund**. The Service did its job by producing the analysis you requested. What you do with that analysis is your decision and your responsibility. (See our Terms of Service, Section 1, for full details on what the Service is and is not.) --- ## 3. Cancellation You may **cancel your subscription at any time** from your account settings or by contacting [SUPPORT EMAIL]. When you cancel: - Your subscription remains **active until the end of your current billing period** — you continue to have full access through that date - **No charge is made for the following billing period** - **No refund or pro-rated credit** is issued for the remainder of the current period - You may continue to use the Service through the end of the paid period, including saving any audit history before account closure After cancellation, you may reactivate your subscription at any time by re-subscribing. --- ## 4. Limited Exceptions We will consider refunds **only** in the following narrow circumstances, evaluated case by case at our sole discretion: ### 4.1 Duplicate Charges If our payment processor charges you twice for the same subscription in error, contact us at [SUPPORT EMAIL] within 30 days. We will refund the duplicate charge. ### 4.2 Unauthorized Charges If your account or payment method was used by someone without your authorization, contact us at [SUPPORT EMAIL] **and your card issuer** immediately. We will investigate and may issue a refund if unauthorized use is verified. ### 4.3 Failure to Deliver If we charge you for a subscription but, due to our error, **you receive no access whatsoever** to the paid features for the entire billing period, contact us at [SUPPORT EMAIL] within 30 days. We will work to either restore access or refund the relevant period. ### 4.4 Legally Required Refunds Where applicable consumer protection laws require us to issue a refund (for example, statutory cooling-off rights in certain jurisdictions), we will comply with those laws. **Outside these specific situations, no refunds will be issued.** --- ## 5. Chargebacks If you initiate a chargeback or payment dispute with your card issuer or bank instead of contacting us first: - We will respond to the dispute with documentation of your subscription and use of the Service - Your account may be **suspended or terminated immediately**, regardless of the outcome of the chargeback - You may be **barred from creating future accounts** with the Service **Please contact [SUPPORT EMAIL] before initiating a chargeback.** We respond to billing questions promptly and most issues can be resolved without dispute. --- ## 6. Plan Changes ### 6.1 Upgrades If you upgrade your plan mid-cycle, the upgrade takes effect immediately. You will be charged the prorated difference for the remainder of the current billing period. The new plan price applies on your next renewal. ### 6.2 Downgrades If you downgrade your plan mid-cycle, the downgrade takes effect at the **end** of your current billing period. **No refund or credit** is issued for the difference between your current plan and the lower-tier plan during the remainder of the current period. --- ## 7. Free Trials If we offer a free trial for any plan: - You will not be charged during the trial period - At the end of the trial, your account will automatically convert to a paid subscription at the then-current rate **unless you cancel before the trial ends** - Once converted, the standard no-refund policy applies You are responsible for canceling before the trial ends if you do not wish to be charged. --- ## 8. How to Contact Us For questions about this Refund Policy, billing issues, or to request consideration under one of the limited exceptions above: **[Tradeelligent** Attention: Billing Support We respond to billing inquiries within [2] business days. --- ## 9. Changes to This Policy We may update this Refund Policy from time to time. Material changes will be communicated by email or through the Service at least [14] days before they take effect. The "Last updated" date at the top of this policy reflects the most recent revision. The version of this policy in effect at the time of your subscription or renewal governs that billing period. --- *This Refund Policy was prepared as a general template and should be reviewed by qualified legal counsel before publication, particularly to confirm compliance with consumer protection laws in jurisdictions where the Service is offered.*