Refund Policy

1. What this policy covers

This policy describes how refunds are handled for paid Finintel plans (Pro monthly, Pro annual, and Lifetime). The free Starter plan does not involve any payment, so no refund is needed.

2. The 30-day money-back guarantee

You can request a full refund within 30 days of your initial paid purchase, for any reason. This applies to:

• The first month of a Pro monthly subscription;
• The first year of a Pro annual subscription;
• A Lifetime purchase.

You don't need to justify the request. If you decide Finintel isn't for you, that's a good enough reason.

3. How to request a refund

Send an email to support@finintel.app from the email address on your Finintel account, with subject line "Refund request". Include your order number if you have it (it's in your Paddle receipt email).

We aim to respond within 1 business day and process approved refunds within 5–10 business days, depending on your bank or card issuer. Refunds are returned to the original payment method.

4. Recurring subscription renewals

For Pro monthly and Pro annual subscriptions, the 30-day guarantee covers your first billing period only. After that, your subscription renews automatically until you cancel.

• You can cancel at any time from your account settings — the cancellation takes effect at the end of your current billing period and you keep access until then.
• Renewal charges (months 2+ for monthly, years 2+ for annual) are not automatically refundable, but if you forgot to cancel and contact us within 14 days of the renewal, we'll review the request fairly.
• To prevent surprise renewals, we send a reminder email before each annual renewal.

5. Statutory withdrawal rights (EU / UK / EEA consumers)

If you are a consumer in the EU, UK, or EEA, you have a statutory 14-day right of withdrawal under consumer law. You can withdraw from your purchase within 14 days of the transaction by emailing support@finintel.app.

Note: by starting to use Finintel during the 14-day window (creating a decision, running a scenario, etc.), you may waive this statutory right under applicable consumer law. Our voluntary 30-day money-back guarantee above is more generous and continues to apply.

6. When refunds may be declined

We may decline a refund request in cases of:

• Requests made after the 30-day window for a first purchase, or after 14 days for a subscription renewal;
• Evidence of refund abuse, fraud, or repeated refund-then-resubscribe behaviour;
• Violations of our Terms & Conditions that justify account termination without refund (e.g. unlawful use, abuse).

If your request is declined, we will explain why in writing and you may appeal by replying to the same email thread.

7. Chargebacks

If you have a billing concern, please contact us at support@finintel.app first — we'll almost always resolve it faster than a chargeback would. Initiating a chargeback before contacting us may result in account suspension while the dispute is reviewed.

8. Refunds for taxes

Where applicable taxes (VAT, GST, sales tax) were charged at purchase, the tax portion is refunded along with the principal amount, in line with the relevant jurisdiction's rules. Our merchant of record handles tax refund processing.

9. Lifetime plan — special note

The Lifetime plan is a single payment for ongoing access to Finintel for the lifetime of the product. It is fully covered by the 30-day money-back guarantee. After 30 days, the Lifetime purchase is non-refundable. If we ever discontinue Finintel, we will provide reasonable advance notice and an export of your data.

10. Changes to this policy

We may update this policy. Changes apply to purchases made after the new effective date. Existing purchases remain governed by the policy in effect at the time of purchase.