1. OVERVIEW

At Finiclub, we are committed to providing exceptional value through our financial literacy and social investment platform. This Refund Policy outlines the terms and conditions under which refunds may be requested and processed for our subscription services.

2. SUBSCRIPTION REFUND ELIGIBILITY

2.1 Premium Subscription ($9.99/month)

• 7-Day Money-Back Guarantee: Full refund available within 7 days of initial subscription
• Prorated Refunds: Available for technical issues or service disruptions lasting more than 48 hours
• Cancellation: Can be cancelled anytime; no refund for partial months after 7-day period

2.2 Pro Subscription ($29.99/month)

• 14-Day Money-Back Guarantee: Full refund available within 14 days of initial subscription
• Prorated Refunds: Available for technical issues or service disruptions lasting more than 24 hours
• Expert Consultation Credits: Unused consultation credits are refundable within the guarantee period

3. REFUND CONDITIONS

3.1 Eligible Refund Scenarios

• Technical issues preventing access to core features for extended periods
• Billing errors or unauthorized charges
• Service not meeting advertised functionality within guarantee period
• Account suspension due to our error
• Duplicate charges or payment processing errors

3.2 Non-Refundable Scenarios

• Refund requests made after the guarantee period
• Violation of Terms of Service leading to account termination
• Misuse of platform features or community guidelines violations
• Change of mind after actively using premium features
• Failure to cancel before automatic renewal (beyond guarantee period)

4. REWARDS POINTS AND VIRTUAL CURRENCY

4.1 Earned Rewards

Rewards points earned through platform activities (learning modules, community participation, referrals) are non-refundable and have no cash value.

4.2 Purchased Points

If we offer direct purchase of reward points in the future, such purchases will be subject to a 24-hour refund window for unused points only.

5. REFUND PROCESS

5.1 How to Request a Refund

1. Contact our support team at support@finiclub.com
2. Include your account email, subscription details, and reason for refund
3. Provide any relevant screenshots or documentation
4. Allow 3-5 business days for initial review

5.2 Refund Processing Timeline

• Review Period: 3-5 business days
• Approval Notification: Within 24 hours of review completion
• Processing Time: 5-10 business days to original payment method
• Bank Processing: Additional 1-3 business days depending on financial institution

6. PAYMENT METHOD SPECIFIC POLICIES

6.1 Credit/Debit Cards

Refunds will be processed to the original card used for payment. If the card is no longer valid, alternative arrangements will be made.

6.2 Digital Wallets (Apple Pay, Google Pay)

Refunds will be processed through the respective digital wallet system and may take additional time based on their policies.

6.3 App Store Purchases

For subscriptions purchased through Apple App Store or Google Play Store, refund requests must be made directly through their respective refund systems. We cannot process refunds for these purchases directly.

7. PARTIAL REFUNDS

7.1 Prorated Refunds

In cases of service disruption or technical issues, we may offer prorated refunds calculated from the date of issue resolution.

7.2 Feature-Specific Refunds

If specific premium features are unavailable, we may offer partial refunds or service credits equivalent to the affected feature value.

8. ALTERNATIVE REMEDIES

8.1 Service Credits

Instead of monetary refunds, we may offer service credits for future subscription periods or premium feature access.

8.2 Extended Trial Periods

For minor issues, we may extend your current subscription period at no additional cost.

8.3 Feature Upgrades

Complimentary access to higher-tier features or services as compensation for service issues.

9. DISPUTE RESOLUTION

9.1 Internal Review Process

If you disagree with a refund decision, you may request an internal review by our customer service manager within 30 days.

9.2 Escalation Process

Unresolved disputes may be escalated through our standard dispute resolution process as outlined in our Terms of Service.

10. SPECIAL CIRCUMSTANCES

10.1 Medical or Financial Hardship

We may consider refund requests outside normal policy for documented medical emergencies or significant financial hardship on a case-by-case basis.

10.2 Military Deployment

Active military personnel may request refunds for deployment periods with proper documentation.

10.3 Student Discounts

Student subscription refunds follow the same policy but may include verification of continued student status.

11. REFUND LIMITATIONS

11.1 Maximum Refund Frequency

Users are limited to one refund per 12-month period unless due to our error or technical issues.

11.2 Account History Consideration

Refund decisions may consider account history, including previous refunds, violations, or usage patterns.

12. INTERNATIONAL USERS

12.1 Currency Conversion

Refunds will be processed in the original currency. Exchange rate fluctuations may result in slight variations in refunded amounts.

12.2 Local Regulations

This policy complies with applicable consumer protection laws. Local regulations may provide additional rights not limited by this policy.

13. POLICY UPDATES

We reserve the right to modify this Refund Policy at any time. Changes will be communicated through the app and email notifications. Continued use of our services constitutes acceptance of policy updates.

14. CONTACT INFORMATION

For refund requests or questions about this policy: