Refund & Cancellation Policy

Every new account receives a 7-day free trial when it is created. No payment method is needed to start it, and nothing is charged during or after it. When the trial ends without a plan, the account becomes read-only: you can still sign in, view and export your data, but cannot create or edit records. To keep editing, choose a plan and pay through Lemon Squeezy checkout: Basic at $29/month or $159/year, or Pro at $39/month or $259/year. Accounts that started a trial with a card before this change keep their original trial terms.

Email support@financeos.money within 14 days of a first charge or renewal and request a refund. We will approve a full refund of that charge without requiring a reason, subject only to fraud or abuse. This promise is additional to rights you have under law.

Lemon Squeezy is the Merchant of Record and seller for subscription transactions. It processes the payment, issues payment invoices or receipts, calculates applicable sales tax/VAT and returns approved refunds to the original payment method. We may ask you for the account email and charge date so we can locate the transaction. Bank processing typically takes 5–10 business days after approval.

If you are an EU or UK consumer, you may have a statutory 14-day right to withdraw from a distance contract. At checkout you ask for digital service access to begin immediately. Where the law allows, that request may affect or end the withdrawal right once digital performance begins or is fully supplied; any required express acknowledgement is presented during checkout. Nothing in this policy removes a mandatory right. If withdrawal applies, contact us within the statutory period. We may account for service already supplied only where applicable law permits.

Payments older than 14 days are normally non-refundable and we do not prorate an unused part of a billing period. We will still correct duplicate charges, billing errors, or service failures where required by law or fair handling.

Cancel future renewal in one click from Billing; no email or justification is required. Cancellation does not automatically refund the current term. Access continues until the end of the trial or paid period, then becomes read-only so records can still be exported. Cancelling FinanceOS does not itself delete account data.

Email support@financeos.money from the address on your account and include the charge date. We aim to reply within 2 business days. You can ask to delete account data separately at any time from Settings or by email.

Nothing here limits non-waivable consumer remedies in your country. The version in effect when a charge was made applies to that charge. Material changes will be posted before they take effect.