Refund & Cancellation Policy

1. Cancellations

• You can cancel your subscription at any time from your account settings (or by contacting support).
• Cancellation stops future renewals.
• Unless stated otherwise, access continues until the end of the current billing period.

2. Refund eligibility (strict)

Because this is a digital service with immediate access, refunds are limited.

A refund may be considered only if all of the following are true:

• The request is submitted within 7 calendar days of the initial purchase; AND
• The subscription period is current (not expired); AND
• The account has not materially used paid features, including but not limited to:

• Credits consumed
• Trade plan generations
• AI analysis/chat usage
• Alerts/advanced analytics access

If paid features have been used (including partial credit usage), the purchase is considered consumed and is not refundable.

3. Credits are non-refundable

• Credits are digital goods, non-transferable, and have no cash value.
• Used credits are not refundable.
• In cases of approved refunds, any unused credits may be forfeited.

4. Chargebacks, fraud, and policy abuse

To protect the Platform and our users:

• We may suspend accounts associated with chargebacks, suspected fraud, or abusive refund behavior.
• Refund requests may be denied where we reasonably believe there is abuse, including:

• multiple accounts to obtain free access
• repeated refund requests
• payment disputes after usage

5. How to request a refund

Email support@pipsdesk.com with:

• Your account email
• Date of purchase
• Reason for request
• Any relevant evidence (screenshots, error messages)

6. Processing times

• We aim to respond within 5-7 business days.
• Approved refunds are processed via the original payment method, subject to processor timelines.

7. Technical issues

If you experience a technical issue, contact support first. We may offer troubleshooting, credit adjustments, or account assistance where appropriate. Refunds are not guaranteed.