Refund Policy

This Refund Policy forms part of the Terms of Service governing your use of Safe Spend. By subscribing, you acknowledge that you have read, understood, and agreed to this Refund Policy.

1. Free Trial and Informed Consent

Safe Spend offers a 7-day free trial so you can fully evaluate the platform before any payment is due. By starting a free trial, you agree that:

• You are providing valid payment authorization.
• Your subscription will automatically convert to a paid plan at the end of the 7-day trial unless you cancel beforehand.
• You are responsible for canceling before the trial ends if you do not wish to be charged.
• We provide clear notice of trial length and billing terms at signup.

How to cancel: Go to Account Settings → Subscription → Cancel Plan, or email us at info@gosafespend.com.

2. Automatic Renewal and Recurring Billing

By purchasing a subscription, you authorize Safe Spend to:

• Charge your payment method on a recurring basis (monthly or annually, as selected).
• Continue charging at the stated interval until you cancel.
• Process payments through our third-party payment processors.

Recurring billing continues until you cancel through your account settings or by contacting us. After cancellation, your access continues until the end of your current billing period — you won't lose access immediately.

3. No Refund Policy

Because Safe Spend is a digital service with immediate access and a free trial period, all payments are final once processed. We do not provide refunds for:

• Subscription fees after trial conversion
• Partial billing periods or unused time
• Failure to cancel before the trial ends
• Account inactivity or change of mind

Cancellation stops future billing but does not reverse prior charges.

4. Billing Disputes and Errors

If you believe a charge was made in error — including duplicate charges or unauthorized transactions — please contact us at info@gosafespend.com within 14 days of the transaction date.

We will investigate promptly and correct any verified billing errors.

5. Chargebacks and Payment Disputes

We kindly ask that you contact us before initiating a chargeback with your bank or payment provider. This helps us resolve issues faster and avoid unnecessary account disruption.

If a chargeback is initiated:

• We may need to suspend your account during the dispute process.
• We reserve the right to dispute chargebacks by providing transaction evidence, including account registration records, login history, usage activity, and payment authorization confirmation.
• Fraudulent or abusive chargebacks may result in permanent account termination.

6. Exceptional Circumstances

While all sales are final, we may consider refund requests in exceptional circumstances at our sole discretion. Any refund granted is determined on a case-by-case basis and does not create an obligation or precedent for future refunds.

7. Consumer Rights

If you are located in a jurisdiction that provides mandatory consumer protection rights (such as the EU/UK 14-day cooling-off period), those statutory rights apply to the extent required by law. Please contact us if you believe your statutory rights entitle you to a refund.

8. Governing Law

This Refund Policy is governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.

9. Policy Modifications

We may update this Refund Policy from time to time. Continued use of the service after changes are posted constitutes acceptance of the updated policy.