Refund and Cancellation Policy

1. Trial and automatic renewal

Eligible new customers located in the 50 United States or District of Columbia receive one 10-day free trial after choosing Plus, Pro, or Business, providing a payment card, and affirmatively accepting the automatic-renewal terms. The plan active when the trial ends is charged in U.S. dollars at its disclosed monthly price. The subscription renews monthly at the then-disclosed price until canceled. Cancel online before the trial ends to avoid the first charge.

2. How to cancel

Cancel online through account billing settings. If you cannot access the account, email support@financialportfoliomanager.com. Cancellation takes effect at the end of the current trial or paid billing period. Access continues until that date, and no later period is charged.

3. Refunds and billing corrections

Payments are ordinarily non-refundable, including for unused time in a billing period. SWB Technologies always corrects confirmed duplicate or erroneous charges. SWB Technologies may approve an exceptional refund when a severe incident caused by the service substantially affected the customer. Exceptional requests are reviewed individually, and approval is not guaranteed.

Send a request to support@financialportfoliomanager.com with the account email, charge date, amount, and a concise explanation. Do not send full card details. Approved refunds are returned through Stripe to the original payment method; bank processing time may vary.

The ordinary no-refund policy does not override a cancellation, warranty, refund, or other consumer right that cannot lawfully be waived.

4. Plan changes

Upgrades take effect immediately and Stripe applies proration. Downgrades take effect at the next renewal after required household or individual retention choices are complete. Excess data is quarantined for 90 days and can be restored by upgrading before deletion.

5. Failed payments and reactivation

After a failed renewal, full access continues for seven days while payment may be recovered. If unresolved, the subscription is canceled and a 30-day recovery hold begins before permanent deletion. Paid reactivation is charged immediately, does not include another trial, and restores dashboard access after payment is confirmed.

6. After cancellation

When access ends, the paid dashboard is blocked. You retain bounded account, billing, resubscription, deletion, and non-persistent product-tour access. Account data remains until you resubscribe or request deletion, subject to the Retention and Deletion Policy.