Refund Policy

1. 7-Day Money-Back Guarantee

We offer a 7-day money-back guarantee for first-time subscribers:

• Applies to your first paid subscription only
• Request a full refund within 7 days of purchase
• No questions asked
• Refund processed within 5-7 business days

How to Request:

Email billing@loanandbanking.com with:

• Your account email
• Subscription ID or transaction ID
• Subject: "Refund Request"

2. Subscription Cancellation

2.1 How to Cancel

You can cancel your subscription at any time through:

• Account Dashboard: Dashboard → Subscription → Cancel Subscription
• Email: Contact billing@loanandbanking.com

2.2 When Cancellation Takes Effect

• Cancellation is effective at the end of your current billing period
• You retain access until the paid period ends
• No refunds for partial months
• Auto-renewal will be stopped

2.3 After Cancellation

• You'll revert to the Free plan
• Your calculator history will be retained for 30 days
• You can re-subscribe anytime

3. Refund Eligibility

3.1 Eligible for Refund:

• First-time subscription (within 7 days)
• Technical issues preventing service use (documented)
• Duplicate or erroneous charges
• Service outage exceeding 48 hours (pro-rated)
• Billing errors on our part

3.2 NOT Eligible for Refund:

• After 7 days (for first-time subscribers)
• Subscription renewals (auto-renew)
• Partial month usage
• Change of mind after 7 days
• Violation of Terms of Service
• Account termination due to abuse

4. Pro-Rated Refunds

In exceptional circumstances, we may offer pro-rated refunds:

• Service Downtime: Extended outages (> 48 hours)
• Technical Issues: Documented problems preventing usage
• Billing Errors: Overcharges or incorrect billing

Note: Pro-rated refunds are at our discretion and require documentation of the issue.

5. Refund Processing

5.1 Timeline

• Review: Within 2 business days of request
• Approval: Email confirmation sent
• Processing: 5-7 business days
• Bank Processing: Additional 3-5 business days (varies by bank)

5.2 Refund Method

Refunds are issued to the original payment method:

• Credit/Debit Card: Back to the card used for payment
• PayPal: To your PayPal account
• Other Methods: Same method as payment

6. Subscription Plans

6.1 Monthly Subscriptions

• Billed monthly on subscription date
• Can be cancelled anytime
• Access continues until end of billing period
• 7-day money-back guarantee applies

6.2 Yearly Subscriptions

• Billed annually (discounted price)
• 7-day money-back guarantee applies
• After 7 days: no refunds for remaining months
• Pro-rated refunds only for service issues

7. Failed Payments

If your payment fails:

• We'll attempt to charge again after 3 days
• Email notification sent
• After 3 failed attempts, subscription is suspended
• Update payment method in your account
• Grace period of 7 days to update payment

8. Chargebacks

If you file a chargeback:

• Your account will be immediately suspended
• We will contest unfair chargebacks
• Chargeback fees may be charged to your account
• Resolution through us is faster and easier

9. Upgrades and Downgrades

9.1 Upgrading

• Immediate access to higher tier features
• Pro-rated charge for remaining billing period
• New price applies from next billing cycle

9.2 Downgrading

• Takes effect at end of current billing period
• No refund for remaining days on higher plan
• Lower tier pricing applies from next cycle

10. Free Trial (If Applicable)

If we offer free trials in the future:

• Cancel anytime during trial period
• No charge if cancelled before trial ends
• Auto-converts to paid plan after trial
• Email reminder sent 3 days before trial ends

11. Special Circumstances

We may consider refunds outside our standard policy for:

• Medical emergencies (with documentation)
• Exceptional hardship (case-by-case basis)
• Service failures on our part

Contact us to discuss your specific situation.

12. Contact for Billing Issues

13. Changes to This Policy

We may update this Refund Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our services after changes constitutes acceptance of the new policy.