Refunds & Cancellations

• ›This policy covers subscription fees for paid plans (currently Basic and Pro).
• ›Where mandatory consumer law applies (e.g., UK/EU), those rights prevail. Where this policy is more generous than applicable law, this policy applies in addition.
• ›Nothing in this policy limits non-waivable consumer rights.

• ›Cancellation may be made at any time in-app. Cancellation stops future billing at the end of the then-current billing cycle; access continues until that time.
• ›No refunds are provided after the applicable refund/withdrawal window expires or once a new billing cycle begins, unless required by law or granted as a discretionary goodwill refund. "Forgot to cancel," "unused time," or non-use of features do not entitle a refund after those points.
• ›Where a refund is due, it is returned to the original payment method in the billing currency.

• ›Statutory right. Consumers may withdraw from a distance service contract within 14 days from contract conclusion.
• ›Early performance. If service begins during that 14-day period at the consumer's request, the right to withdraw remains; a proportionate amount for service supplied up to the withdrawal date may be payable.
• ›Days 1–7 (enhanced refund). If withdrawal occurs within the first 7 days, a full refund of the base plan fee is provided regardless of usage.
• ›Days 8–14 (proportional deduction). If withdrawal occurs from day 8 through day 14, a proportionate deduction may be applied to reflect the value of service supplied up to the withdrawal date.
• ›Interface. An in-app "Cancel / Withdraw" control is provided on the same interface used to sign up. An acknowledgement is provided on a durable medium.

• ›Cooling-off. No general federal cooling-off right applies to online subscriptions.
• ›Policy. A 7-day money-back guarantee (MBG) is provided for first-time subscriptions. After day 7, refunds are not provided unless required by law or granted as a discretionary goodwill refund.
• ›Auto-renewal compliance. Clear disclosures and an easy online cancellation mechanism are provided in accordance with applicable state automatic-renewal laws.

A 7-day MBG applies unless non-waivable local law grants additional rights; where mandatory local law grants more, those rights apply.

• ›Standard. Where permitted by law (e.g., UK/EU withdrawals from day 8 through day 14), the value of service supplied is calculated proportionately based on the contract price.
• ›Method. The deduction reflects actual consumption and may be measured by: time-based use (days of access ÷ days in the cycle), or usage-based metrics (e.g., interactions, tokens, minutes used ÷ plan allowances).
• ›Transparency. Upon request, the calculation used will be disclosed based on plan allowances and usage records.
• ›No deduction. No deduction applies if service did not begin during the statutory withdrawal period or if required pre-contract information was not provided.

• ›Eligibility. Applies to the first paid subscription to any plan, once per account.
• ›Window. Request within 7 days of initial purchase.
• ›Amount. 100% of the base plan fee for the first billing cycle.
• ›Breach bar. Not available where the account has violated the Terms of Service.
• ›Statutory rights unaffected. The once-per-account limit applies to this voluntary MBG and does not limit non-waivable UK/EU statutory withdrawal rights.

• ›Where a feature qualifies as digital content not supplied on a tangible medium, and immediate supply is expressly requested with acknowledgement of the consequence, the statutory withdrawal right for that element may not apply.
• ›The Service is treated primarily as a service. Any digital-content exceptions are applied strictly in accordance with applicable law.

• ›Outside the window. No refunds are provided after the applicable refund/withdrawal window expires (7 days for US/Rest of World; 14 days for UK/EU), unless required by law or granted as a discretionary goodwill refund.
• ›New billing cycle. No refunds are provided for charges incurred once a new billing cycle begins, including where cancellation did not occur before renewal.
• ›Partial periods. No refunds for unused time in a billing period after cancellation; access continues until period end.

• ›Refundable: the base plan fee for the applicable billing cycle, subject to the time windows and rules in this policy.
• ›Not refundable: add-ons, token packs, overages, and similar usage-based top-ups where the user has requested immediate supply. Once tokens or credits are credited to an account, the statutory withdrawal right is lost.
• ›Unused token packs. Where a user purchases a token pack and has not yet used any tokens, and has not provided the acknowledgement requesting immediate supply, the UK/EU 14-day withdrawal right applies.
• ›UK/EU statutory withdrawals. Where a statutory withdrawal applies, the amount reimbursed and any deduction are calculated strictly in accordance with applicable law.

• ›Use the in-app "Cancel / Withdraw" control (Account → Billing).
• ›Where required, submit a withdrawal statement via that interface or email legal@tradetir.ai from the account email stating: "I withdraw from my contract," with the date and account identifier.
• ›An acknowledgement is provided on a durable medium.

• ›No refunds for breach. No refunds are provided where access is suspended or terminated for breach of the Terms of Service.
• ›Chargebacks/fraud. Accounts may be suspended or terminated for non-payment, chargebacks, suspected fraud, or abuse, with no refund.

• ›Refunds (where due) are issued in the billing currency to the original payment method.
• ›Processing times vary by payment-processor policies; refunds are made without undue delay, and for UK/EU withdrawals no later than 14 days from notice.

• ›This policy may be updated in accordance with the Terms of Service (Changes to Terms; notices).
• ›Nothing in this policy reduces non-waivable consumer rights under applicable law.