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, and sits alongside clauses 7 and 8 of our Terms of Service. If the two ever disagree, the Terms of Service apply.

2. Free Trial Period

New subscribers to a paid plan get a 7 day free trial. During the free trial:

• You have access to the features of your plan at no cost
• We take your payment details when you start the trial, but you are not charged during it
• You may cancel at any time during the trial without being charged
• We remind you twice before the trial ends, telling you the price, the date of the first payment and how to cancel
• If you do not cancel before the trial ends, your subscription starts automatically on day 7 and the first payment is taken

If you subscribe through the App Store or Google Play, Apple or Google takes your payment details and manages the trial under their own rules.

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 Your 14 Day Cooling Off Right

Under the Consumer Contracts Regulations 2013, as a consumer buying online you have the right to change your mind and cancel within 14 days of your first payment being taken (that is, 14 days from the end of your free trial), and within 14 days of each renewal of a yearly plan.

If you cancel during this period we will refund you in full, less a proportionate amount for the part of the period you have already had, because you asked us to start the service straight away. Using the service during those 14 days does not take the right away.

5.2 General Refund Policy

Outside the 14 day cooling off period we do not refund the unused part of a billing period, except in these cases:

• We withdraw a feature you pay for: you may cancel and we refund the unused part of your subscription
• We change our prices or these terms materially: you may cancel before the change takes effect and we refund the unused part of your subscription
• We close your account for a reason that is not your fault: we refund the unused part of your subscription
• Billing errors: if you were charged incorrectly or twice, we refund the erroneous charge in full
• Service issues: if a fault stops you using the service, the Consumer Rights Act 2015 entitles you to a repeat performance or a price reduction. Contact us and we will put it right

5.3 Non-Refundable Situations

Refunds will generally not be provided in the following situations:

• You no longer need or want the service, and the 14 day cooling off period has passed
• You did not use the service during a billing period you had already paid for
• Your account was closed because you seriously or repeatedly broke our Terms of Service

If a yearly plan renewed and you did not mean it to, tell us within 14 days of the renewal payment: the cooling off right in section 5.1 applies to each yearly renewal.

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:

• Cards paid through Stripe: we send the refund within 14 days, and your bank usually shows it within 5 to 10 business days
• App Store or Google Play: Apple or Google handles the refund under their own rules and timescales

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: