Refund Policy

Section 1. Payment, pricing and renewal

1. The price, benefits and renewal cycle of the Membership Plan are published by the Company on the FinAlpha website and application. The principles governing the use of Credits and the cancellation and refund policy are set out in Sections 4 and 5 of this Policy. All of this information is provided to the User before the User confirms a purchase.
2. Payment is made through the designated payment intermediary, which acts as merchant of record in respect of the tax obligations applicable in the User’s country of residence. The Company does not directly receive or hold the User’s payment card information.
3. Displayed prices include all taxes applicable in the User’s country of residence as calculated by the designated payment intermediary. The determination, collection and remittance of those taxes in the User’s country of residence is carried out by the designated payment intermediary in its capacity as merchant of record.
4. Where the price of the service provided is adjusted, the Company notifies the User at least 30 days in advance; the User has the right to terminate use of the service plan before the new price takes effect, and the new price applies only from the next billing cycle.
5. For Users who subscribe to automatic renewal, the User may cancel online at any time; the cancellation takes effect from the end of the current billing cycle.
6. The payment currency is stated clearly before the User confirms. Where the User chooses to pay in a currency other than the listed currency, the conversion rate and any conversion fees are also stated clearly before the User confirms. Invoices or payment documents are issued by the designated payment intermediary as required by the law of the User’s country of residence and are sent to the registered email address.

Section 2. Right of withdrawal under the law of the User’s country of residence

1. Where consumer protection law in the country in which the User resides provides a right to withdraw from a distance contract within a certain period from the date of conclusion without giving reasons, the User enjoys that right in accordance with the content and period prescribed by the applicable law.
2. FinAlpha is a service and digital content supplied immediately after payment. Before completing a paid transaction, the User requests the Company to supply the service immediately and confirms having been informed of the consequences of doing so for the right of withdrawal; the Company sends the User a confirmation of this. For digital content, the right of withdrawal ends when supply begins. For the part of the service supplied continuously on a periodic basis, if the applicable law still permits withdrawal within the statutory period, the Company refunds the amount paid after deducting the part corresponding to the period of service already supplied.
3. The User exercises the right of withdrawal by sending notice to the Company by email or through a function in the website or application, and is not required to follow any particular form. The Company refunds within 14 days from the date the notice is received, using the original means of payment and without charging any additional fee.

Section 3. Refund where the account is locked or terminated

Where the Company locks or terminates the account for reasons not arising from the User’s fault, or the Company ceases to provide a service plan, the Membership Plan fee corresponding to the remaining period of the paid cycle is refunded in accordance with Section 5 of this Policy. Where the User terminates use on their own initiative, or is terminated for an established serious violation, the fee for the paid cycle is not refunded; the User continues to use the service until the end of that cycle, except where the account is locked for a violation.

Section 4. Principles governing the use of Credits

1. Credits may be used only to pay for services provided by the Company within FinAlpha; the Credits price list for each service is published openly before use.
2. Credits may not be transferred between accounts in any form.
3. Credits may not be converted into money and are not a means of payment, electronic money, a digital asset or a security in any form.
4. Credits do not bear interest and do not increase in value over time; promotional Credits have a validity period stated clearly at the time they are granted and are not refundable in any form.

Section 5. Cancellation and no-refund policy

1. General principle: because FinAlpha’s data analytics and artificial intelligence services consume system resources at the very moment the User uses them, all payments for Membership Plans and Credits are final and non-refundable, except in the cases set out in Clauses 3, 4 and 5 of this Section and in cases where mandatory law in the User’s country of residence provides otherwise.
2. Cancelling automatic renewal: the User has the right to cancel the automatic renewal feature of the Membership Plan at any time on the FinAlpha website or application, by means no more complex than the means of subscription. The cancellation takes effect from the end of the current billing cycle; the User continues to enjoy the full benefits of the plan until that cycle ends, and the Company does not refund or pro-rate the unused part of that cycle.
3. Credits: Credits purchased are not refundable in money, even where unused, provided that the Company has stated this clearly and the User has separately confirmed it before payment. The Company restores Credits, free of charge, where a system error deducted Credits incorrectly, or where a service deducted Credits but could not be performed.
4. Cases in which the Company considers a refund on a case-by-case basis:
   • (a) a system error within the Company’s control preventing the User from accessing the service for an extended period;
   • (b) the User being charged twice or charged incorrectly due to a payment gateway error;
   • (c) the account being used for payment without the authorisation of the account holder, after verification by the Company.
5. Cases of refund provided for in the FinAlpha Terms of Service:
   • (a) the User exercises the right of withdrawal under Section 2 of this Policy, refunded in the manner determined in Clause 2 of Section 2;
   • (b) the Company locks or terminates the account for reasons not arising from the User’s fault, or the Company ceases to provide a service plan or a principal feature of the plan, under Section 3 of this Policy.

   In these cases, the amount refunded corresponds to the remaining period of the paid cycle.

6. The provisions of this Section do not limit the rights the User enjoys under mandatory consumer protection law in the country in which the User resides in respect of services and digital content not in conformity with the contract, including the right to require remediation, a price reduction or termination of the contract.
7. Refund processing time and method: no more than 15 working days from the date the Company receives a valid request, refunded to the original means of payment through the designated payment intermediary, with no additional fee charged.