Refund & Cancellation Policy

Last updated: [DATE]. Effective: [DATE].

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This Refund & Cancellation Policy is part of and incorporated into the MyTradeCrate Terms of Service. Capitalized terms have the meanings given in the Terms. By creating an Account you agree to this policy.

1. Free Trial

Each new Account receives one seven (7) day Trial Period at no charge. We require a valid payment method during onboarding so that we can convert your Subscription automatically when the trial ends — the card is authorized but not charged during the trial. You may cancel during the Trial Period and you will not be charged.

2. Recurring Monthly Charges

After the Trial Period, MyTradeCrate bills your selected Subscription Plan and add-ons monthly in advance through Stripe. By keeping a payment method on file you authorize each recurring charge until you cancel.

3. Refund Eligibility

First seven (7) days after the first paid charge: full refund of that charge if you email [SUPPORT EMAIL] with the subject "Refund request" within seven (7) days of the charge date.
After the first seven (7) days: all charges are non-refundable. We do not pro-rate refunds for partial months, unused seats, or unused messaging quota. Your Subscription will remain active through the end of the current monthly billing period after you cancel, and you will not be charged for the next period.
Annual plans: not currently offered. When introduced, refunds for annual plans will be pro-rated only within the first thirty (30) days.

4. Exceptions — We Always Refund

Duplicate or accidental charges caused by our system.
Unauthorized use of your payment method, subject to verification.
Documented material billing errors on our part.
Continuous service unavailability of twenty-four (24) hours or more directly caused by MyTradeCrate (excluding scheduled maintenance, force-majeure events, and outages of third-party services).

5. Add-On Charges

Add-ons (extra seats at five dollars ($5.00) per seat per month, extra trades at three dollars and ninety-nine cents ($3.99) per trade per month above the first two included, Premium Templates, Pro messaging packs) are billed on the same monthly cycle as your base Plan. Removing an add-on cancels the charge going forward but does not generate a refund for the current monthly period.

6. Cancellation

You may cancel at any time from Billing → Cancel subscription in the app or by emailing [SUPPORT EMAIL]. Cancellation takes effect at the end of the then-current monthly billing period; you retain full access until then. No partial-month refunds will be issued except as described in Sections 3 and 4.

7. What Happens After Cancellation

For ninety (90) days after the end of your final paid period, you retain limited-access mode: you can log in, view your data, and download exports.
After ninety (90) days, Customer Content is permanently deleted from production systems. Backups containing your records are overwritten within an additional ninety (90) days.
You may resubscribe within the ninety (90) day grace period to restore full access without data loss.
Stripe billing records are retained for seven (7) years for tax compliance.

8. Failed Payments

If a charge fails, Stripe will automatically retry over an approximately twenty-one (21) day dunning window. During that window your Account enters past-due read-only mode. If all retries fail, your Subscription is cancelled and the grace-period rules in Section 7 apply. Reactivating an Account in past-due mode is as simple as updating your payment method in the Stripe billing portal.

9. Chargebacks and Payment Disputes

Please contact us at [SUPPORT EMAIL] before disputing a charge with your bank or card network. Initiating a chargeback or payment dispute without first contacting us is a material breach of the Terms and may result in immediate Account suspension. You will be charged any chargeback or representation fees we incur (currently $15.00 per dispute from Stripe).

10. Refunds You Issue to Your Own Customers

Refunds you issue to your end-customers through Stripe Connect are processed on your own connected Stripe account. MyTradeCrate is not a party to those refunds and your Subscription fees are not adjusted as a result. To issue a refund, log into the Stripe Dashboard for your connected account, locate the charge under Payments, and click Refund.

11. How to Request a Refund

Email [SUPPORT EMAIL] with subject "Refund request" and include:

The email address associated with your Account.
The charge date and amount.
A brief explanation (optional but helpful for our records).

Eligible refunds are processed within five (5) business days of approval. Funds typically appear on your statement within five (5) to ten (10) business days depending on your bank or card network.

12. Contact

Refund requests and billing questions: [SUPPORT EMAIL].