Refund Policy

1. Overview

At AI Financial Solutions, we are committed to providing high-quality AI-powered financial management tools and services. We understand that circumstances may arise where a refund is appropriate. This Refund Policy outlines the conditions under which we issue refunds for our products and services.

By purchasing or subscribing to our services, you agree to the terms of this Refund Policy. Please read this policy carefully before making a purchase.

2. Refund Eligibility

2.1 Subscription Services

For our subscription-based services, we offer the following refund options:

14-Day Money-Back Guarantee

All new subscriptions come with a 14-day money-back guarantee. If you are not satisfied with our services within the first 14 days after your initial purchase, you may request a full refund. This guarantee applies only to first-time subscribers and does not apply to subscription renewals.

Pro-Rated Refunds for Annual Subscriptions

If you have purchased an annual subscription and wish to cancel after the 14-day money-back guarantee period, you may be eligible for a pro-rated refund for the unused portion of your subscription, less a cancellation fee of 15% of the remaining subscription value.

Monthly Subscriptions

Monthly subscriptions can be canceled at any time. However, no refunds are provided for the current billing month. Once you cancel, you will continue to have access to the service until the end of your current billing cycle, at which point your subscription will not renew.

2.2 One-Time Purchases

For one-time purchases of digital products or tools:

• If the product is defective or does not function as described, you may request a refund within 30 days of purchase.
• If you have not downloaded, accessed, or used the digital product, you may request a refund within 14 days of purchase.

2.3 Consulting Services

For personalized financial consulting services:

• If you cancel more than 48 hours before a scheduled consultation, you will receive a full refund.
• If you cancel within 48 hours of a scheduled consultation, a 50% cancellation fee will apply.
• Once a consultation has begun, no refunds will be provided.

3. Conditions for Refund

3.1 Valid Reasons for Refund

We may issue refunds for the following reasons:

• Technical issues that significantly impair the functionality of our services and cannot be resolved by our support team
• Service not as described in our marketing materials or documentation
• Accidental purchase (subject to verification)
• Double charging or billing errors
• Inability to access the service due to geographic restrictions (if not disclosed at the time of purchase)

3.2 Refund Exclusions

Refunds will generally not be provided in the following circumstances:

• After the specified refund period has expired
• For features or functions not explicitly promised in our service descriptions
• Due to incompatibility with third-party software or services not controlled by AI Financial Solutions
• If the service has been extensively used (for digital products and one-time purchases)
• For customized solutions developed specifically for your requirements
• If there is evidence of fraud or abuse of our refund policy

4. Refund Processing Time

4.1 Review Period

All refund requests are subject to review. This review process typically takes 3-5 business days from the date the request is received.

4.2 Payment Processing

Once a refund is approved:

• Credit card refunds typically appear on your statement within 5-10 business days, depending on your card issuer
• Bank transfers may take 7-14 business days to process
• PayPal refunds are usually processed within 1-3 business days

Please note that while we process refunds promptly on our end, the time it takes for the refund to appear in your account depends on your payment provider and is beyond our control.

5. How to Request a Refund

5.1 Refund Request Procedure

To request a refund, please follow these steps:

1. Log in to your AI Financial Solutions account
2. Navigate to the "Billing" or "Subscription" section
3. Select the "Request Refund" option
4. Fill out the refund request form, providing the reason for your request
5. Submit your request

Alternatively, you can contact our customer support team directly at:

5.2 Required Information

When requesting a refund, please provide the following information:

• Your full name and email address associated with your account
• Order or subscription number
• Date of purchase
• Reason for requesting a refund
• Any relevant details or documentation supporting your request

5.3 Refund Request Deadline

Refund requests must be submitted within the applicable refund period as outlined in Section 2. Requests received after these periods may be reviewed on a case-by-case basis but are not guaranteed to be approved.

6. Refund Methods

6.1 Original Payment Method

Refunds will be issued to the original payment method used for the purchase. This includes:

• Credit or debit cards
• PayPal
• Bank transfers
• Other electronic payment methods

6.2 Alternative Refund Methods

In exceptional circumstances where a refund to the original payment method is not possible, we may offer:

• Account credit for future purchases
• Alternative payment methods (subject to verification)

Any alternative refund method must be agreed upon in writing by both parties.

7. Special Circumstances

7.1 Promotional or Discounted Purchases

Services purchased at promotional or discounted rates may have modified refund terms, which will be disclosed at the time of purchase. Generally:

• Free trial conversions are eligible for refunds according to our standard policy
• Heavily discounted services (more than 50% off) may be eligible for account credit rather than monetary refunds
• Special event or limited-time offers may have specific refund limitations

7.2 Service Outages

In the event of extended service outages or downtime:

• For outages lasting more than 24 consecutive hours, affected subscribers may be eligible for pro-rated account credit
• For outages lasting more than 72 consecutive hours, affected subscribers may request a pro-rated refund for the affected period

This does not apply to scheduled maintenance periods that have been announced in advance.

7.3 Account Termination

If your account is terminated due to violations of our Terms of Service or other policies:

• No refunds will be provided for the current billing period
• For annual subscriptions, a partial refund may be issued at our discretion, minus a termination fee

8. Contact Information

If you have any questions or concerns about our Refund Policy, please contact our customer support team:

Our support team is available Monday through Friday, 9:00 AM to 6:00 PM GMT, excluding public holidays.

9. Policy Updates

We reserve the right to modify this Refund Policy at any time. Any changes to our policy will be posted on this page with an updated revision date. Changes to this policy will not apply retroactively to purchases made before the change.

We encourage you to review this Refund Policy periodically for any changes. Your continued use of our services after any modifications indicates your acceptance of the updated Refund Policy.