Refund Policy

1. Purpose

This Refund Policy explains when refunds may be available for subscriptions purchased through FinStitch Limited (“FinStitch”, “we”, “our” or “us”), how refund requests are assessed, and the process for requesting a refund.

2. Scope

This policy applies to all paid subscriptions purchased directly from FinStitch, including:

• monthly subscriptions;
• annual subscriptions;
• promotional subscriptions;
• future premium services.

This policy does not apply to products or services purchased through third parties unless otherwise required by law.

3. Free Services

FinStitch may offer free features that do not require payment. No refund applies to free services.

4. Free Trials

Where a free trial is offered:

• customers will not be charged until the trial ends;
• customers may cancel at any time before the trial expires;
• once a paid subscription begins, this Refund Policy applies.

Not all subscriptions include a free trial.

5. Subscription Billing

Subscriptions are billed in advance based on the billing cycle selected by the customer. Depending on the subscription chosen, billing may occur monthly or annually. Subscription fees are displayed before payment is completed.

6. Cancellation

Customers may cancel their subscription at any time. Because subscriptions are purchased and managed through the app store or subscription provider used at checkout (for example the Apple App Store or Google Play), cancellation is completed through that provider; our support team can help if you need guidance. Cancellation prevents future renewals but does not automatically entitle the customer to a refund for the current billing period unless otherwise required by law. Customers continue to have access to paid features until the end of their active subscription period.

7. Refund Eligibility

Refund requests may be considered in circumstances including:

• duplicate payments;
• accidental multiple subscriptions;
• technical billing errors;
• incorrect charges caused by our systems;
• unauthorised payments confirmed after investigation;
• circumstances where required under applicable consumer protection legislation.

Each request is assessed individually.

8. Non-Refundable Circumstances

Refunds will generally not be provided where:

• the customer changes their mind after using the service;
• the subscription is no longer required;
• only part of the billing period has been used;
• the customer forgets to cancel automatic renewal;
• the customer is dissatisfied with features that were accurately described before purchase.

Nothing in this policy limits any statutory rights available under applicable consumer protection laws.

9. Billing Errors

If a customer believes they have been charged incorrectly, they should raise a ticket from the Support page in the FinStitch app (or contact us by email) as soon as possible. Where we confirm that an error has occurred, we will investigate promptly, correct the billing issue and issue an appropriate refund where applicable.

10. Unauthorised Transactions

Customers who believe a payment has been made without their authorisation should raise a ticket from the Support page in the FinStitch app (or contact us by email) immediately. We may request additional information to investigate the matter. Where fraudulent activity is suspected, we may temporarily restrict account access while investigations are completed.

11. Payment Method

Because payments are processed through the app store or subscription provider used at checkout, approved refunds are normally issued by that provider to the original payment method. Where a refund must be requested directly through the relevant store or provider, we will guide you through the process.

12. Refund Processing Time

Once approved, refunds are typically processed within 5–10 business days. Actual processing times may vary depending on the customer's bank, payment processor and card issuer.

13. Third-Party Purchases

Where subscriptions are purchased through third-party platforms such as the Apple App Store or Google Play Store, refunds are subject to the policies of the relevant platform. Customers may need to request refunds directly through the applicable store.

14. Promotional Offers

Refund eligibility for promotional pricing, discounts or special offers will be assessed in accordance with the specific terms of that promotion.

15. Abuse of the Refund Process

FinStitch reserves the right to refuse refund requests where there is evidence of repeated abuse of the refund process, fraudulent activity, misuse of promotional offers, or breaches of our Terms & Conditions.

16. Changes to This Policy

We may update this Refund Policy from time to time to reflect changes to our products or services, legal or regulatory developments, or improvements to our business practices. The latest version will always be published on our website.

17. Contact

FinStitch Limited, registered in England & Wales (company number 17242791). If you have any questions regarding this Refund Policy or wish to request a refund, the quickest way is to raise a ticket from the Support page in the FinStitch app — you can track it through to resolution. Alternatively, email support@finstitch.com.