Refund and Cancellation Policy

1. Overview

We want you to be completely satisfied with Futureex.ai. This policy explains how cancellations and refunds work so you can make informed decisions about your subscription.

We believe in transparency and fairness. If something doesn't work out, we're here to help make it right.

2. Free Trial Period

2.1 14-Day Free Trial

All paid plans (Growth, Premium, Enterprise) include a 14-day free trial so you can test-drive our platform risk-free.

2.2 Trial Expiration

Your subscription automatically begins after the 14-day trial. We'll send reminder emails at:

• 7 days before trial ends
• 3 days before trial ends
• 1 day before trial ends

You can cancel before the trial ends to avoid any charges.

3. Cancellation Policy

3.1 How to Cancel

Canceling your subscription is simple. You can do it through:

3.2 When Does Cancellation Take Effect?

When you cancel, here's what happens:

• Your subscription remains active until the end of your current billing period
• You won't be charged for the next billing cycle
• You can continue using all features until the period ends
• Your data is preserved for 30 days after cancellation
• You can reactivate anytime within 30 days without data loss

3.3 No Prorated Refunds on Cancellation

We don't offer partial refunds for the current billing period. If you cancel mid-cycle, you retain access until the period ends but won't receive a refund for unused time.

Example: If you cancel on Day 15 of a monthly subscription, you keep access for the remaining 15 days.

4. Refund Policy

4.1 30-Day Money-Back Guarantee

First-time paid subscribers get a full refund if requested within 30 days of initial payment. No questions asked.

4.2 Eligibility Requirements

To qualify for a refund:

• ✅ Request within 30 days of your first payment
• ✅ First-time paid subscriber to any plan
• ✅ Account in good standing (no policy violations)
• ❌ Does NOT apply to renewal payments
• ❌ Does NOT apply to transaction fees
• ❌ Does NOT apply to fraudulent accounts

4.3 How to Request a Refund

Follow these steps:

1. Email billing@futureex.ai with subject "Refund Request"
2. Include your account email and order ID
3. Briefly explain your reason (optional but helps us improve)
4. We'll process your request within 5-7 business days
5. Refund issued to original payment method within 5-10 business days (depends on your bank)

4.4 Non-Refundable Items

The following are not refundable:

• Transaction Fees: Fees charged on orders (8%, 5%, 3%, 1-2% depending on plan)
• Payment Gateway Fees: Charges by Razorpay/Stripe
• Add-on Services: One-time setup or customization fees (if any)
• Renewal Payments: Subsequent billing after the first month

5. Plan Downgrades

5.1 How Downgrades Work

You can downgrade your plan anytime:

• Downgrade takes effect at the end of your current billing cycle
• You keep access to current plan features until then
• No refund for the price difference
• Data exceeding new plan limits must be adjusted before downgrade

5.2 Plan Comparison

6. Annual Subscription Plans

6.1 Annual Plan Benefits

Annual plans save you up to 20% compared to monthly billing.

6.2 Annual Plan Cancellation

For annual subscriptions:

• 30-day money-back guarantee applies to first-time annual subscribers
• After 30 days, annual plans are non-refundable
• You can choose not to renew before your term ends
• Access continues for the full annual period

6.3 Prorated Refunds (Exceptions Only)

We don't offer prorated refunds for annual plans canceled mid-term, except in these cases:

• Service unavailability exceeding 7 consecutive days
• Material breach of our Terms by Futureex.ai
• Legal requirements or court orders

7. Transaction Fees

7.1 Non-Refundable Transaction Fees

Transaction fees on orders are non-refundable because:

• They're charged per transaction as orders are processed
• We incur costs from payment partners and infrastructure
• They're separate from subscription fees

7.2 Transaction Fee Rates

• Starter: 8% per order
• Growth: 5% per order
• Premium: 3% per order
• Enterprise: 1-2% per order (volume-based)

8. Service Credits for Outages

8.1 Scheduled Maintenance

Planned maintenance doesn't qualify for credits. We notify you at least 24 hours in advance.

8.2 Unplanned Outages

If we experience extended unplanned downtime (over 24 consecutive hours):

• We'll provide service credits proportional to downtime
• Credits applied to your next billing cycle
• Request credits within 30 days of the incident
• Email support@futureex.ai with details

9. Data Export and Account Closure

9.1 Before You Cancel

We recommend exporting your data before canceling:

9.2 Data Retention After Cancellation

• First 30 Days: Full data retained, can reactivate account
• After 30 Days: Data permanently deleted and cannot be recovered
• Financial Records: Kept for 7 years for legal compliance

10. Account Termination by Futureex.ai

10.1 Violations and Fraud

If we terminate your account due to:

• Terms of Service violations
• Fraudulent activity
• Illegal use

You are not entitled to any refund, and access is immediately revoked.

11. Special Circumstances

We may offer refunds at our discretion for:

• Duplicate charges or billing errors
• Service failures due to our technical issues
• Unauthorized charges (report within 48 hours)
• Extenuating circumstances (case-by-case evaluation)

12. Enterprise and Custom Agreements

Enterprise customers may have custom terms in their service agreement. If your contract differs from this policy, your contract takes precedence. Contact your account manager for details.

13. Contact for Refunds and Cancellations

Need help with refunds or cancellations?

• Billing Questions: billing@futureex.ai
• General Support: support@futureex.ai
• Response Time: Within 24-48 hours

14. Changes to This Policy

We may update this policy periodically. Changes apply to subscriptions purchased after the effective date. We'll notify you of significant changes via email.

By subscribing to Futureex.ai, you agree to this Refund and Cancellation Policy.