Cancellation and Refund Policy

1. Overview

This Cancellation and Refund Policy explains your rights regarding the cancellation of Finaap subscription services and our refund procedures. By subscribing to Finaap, you agree to the terms outlined in this policy.

Finaap operates on a subscription model. This policy applies to all subscription services.

2. Free Trial Period

Finaap may offer a free trial period for new users. During the free trial:

• You will have access to premium features at no cost
• No payment is required during the trial period
• You may cancel at any time during the trial without being charged
• If you do not cancel before the trial ends, your subscription will automatically convert to a paid plan

3. How to Cancel Your Subscription

You may cancel your subscription at any time through the following methods:

4. What Happens After Cancellation

When you cancel your subscription:

• Continued Access: You will retain access to your account until the end of your current billing period
• No Additional Charges: Your payment method will not be charged again after cancellation
• Data Retention: Your account and data will be preserved until your subscription expires
• Account Access: After the billing period ends, you will need to resubscribe to continue using Finaap

5. Refund Policy

5.1 Cooling-Off Period (14 Days)

Under the Consumer Contracts Regulations 2013, you have a 14-day cooling-off period from the date of your subscription purchase. During this period, you may request a full refund if:

• You have not used any premium features
• You submit a refund request within 14 days of purchase

5.2 General Refund Policy

Outside of the 14-day cooling-off period:

• No Partial Refunds: We do not provide refunds for partial billing periods after the cooling-off period
• Service Issues: If you experience significant technical issues that prevent you from using the service, contact us to discuss your options
• Billing Errors: If you were charged incorrectly or duplicated, we will provide a full refund of the erroneous charge

5.3 Non-Refundable Situations

Refunds will generally not be provided in the following situations:

• You forgot to cancel before your subscription renewed
• You no longer need or want the service after the cooling-off period
• You failed to use the service during your billing period
• Your account was terminated due to violation of our Terms and Conditions

6. How to Request a Refund

To request a refund, please contact our support team:

7. Refund Processing Time

Once your refund request is approved:

• Credit/Debit Cards: 5-10 business days
• PayPal: 3-5 business days
• Other Methods: Processing times may vary by payment provider

Please note that these timeframes are estimates and may be affected by your bank or payment provider's processing procedures.

8. Changing Your Subscription

8.1 Upgrading

If you upgrade your subscription (e.g., from monthly to annual), the price difference will be prorated for the remainder of your current billing period.

8.2 Downgrading

If you downgrade your subscription, the change will take effect at the start of your next billing period. No refunds are provided for the difference.

9. Account Deletion

If you wish to permanently delete your account:

• First cancel any active subscription
• Navigate to Settings → Security → Delete Account
• Confirm the deletion by entering your email and typing "DELETE"

10. Contact Us

If you have any questions about this Cancellation and Refund Policy, please contact us: