Refund Policy

1. Overview

This Refund Policy explains our policies regarding refunds, cancellations, and subscription management for Market Crash Monitor.

Please read this policy carefully before subscribing.

2. Subscription Billing

2.1 Billing Cycle

• All subscriptions are billed monthly
• Billing occurs on the same day each month as your initial subscription
• First payment is charged immediately upon subscription
• Subsequent payments are charged automatically on your renewal date

2.2 Subscription Tiers

• Free Tier: No payment required
• Premium Tier: $9.99/month
• Pro Tier: $29.99/month

2.3 Payment Methods

We accept payments through two methods:

• Stripe: Credit cards, debit cards, and PayPal
  • Premium Plan includes a 3-day free trial (Stripe payments only)
  • Pro Plan requires payment upfront - no free trial
  • Automatic monthly renewal
  • Requires valid payment method on file
• NOWPayments (Cryptocurrency): Bitcoin, Ethereum, USDC, USDT, and 200+ other cryptocurrencies
  • No free trial available
  • Payment required upfront
  • Manual renewal required each month
  • 30-day subscription from payment confirmation

3. Refund Policy

3.1 General Policy

NO REFUNDS FOR PARTIAL MONTHS

• Subscription fees are non-refundable
• If you cancel, you retain access until the end of your current billing period
• No prorated refunds are provided for early cancellation
• This applies to all subscription tiers (Premium and Pro)

Cryptocurrency Payments:

• Cryptocurrency payments are generally non-refundable due to the irreversible nature of blockchain transactions
• Refunds for crypto payments may only be considered in exceptional circumstances and are subject to our discretion
• Any refunds for crypto payments, if approved, will be processed in the same cryptocurrency used for the original payment

3.2 Exceptions

We may provide refunds in the following circumstances:

Technical Issues:

• If the Service is unavailable for more than 72 consecutive hours
• If a critical feature is broken and not resolved within 7 days
• If you cannot access your account due to our technical error

Billing Errors:

• If you were charged incorrectly due to our error
• If you were charged after properly cancelling your subscription
• If duplicate charges occurred

Extenuating Circumstances:

• Reviewed on a case-by-case basis
• Submit a request with detailed explanation
• Decision is at our sole discretion

3.3 How to Request a Refund

To request a refund for qualifying situations:

1. Email us at: info@marketcrashmonitor.com
2. Subject: "Refund Request - [Your Email]"
3. Include:
   • Your account email
   • Subscription tier
   • Reason for refund request
   • Transaction date and amount
   • Any supporting documentation

Response Time: We will respond within 5-7 business days.

Processing Time: Approved refunds are processed within 10 business days.

4. Cancellation Policy

4.1 How to Cancel

You can cancel your subscription at any time:

Via Account Settings:

1. Log in to your account
2. Go to Account Settings → Billing
3. Click "Cancel Subscription"
4. Confirm cancellation

Via Email:

• Email: info@marketcrashmonitor.com
• Subject: "Cancellation Request"
• Include your account email

4.2 What Happens After Cancellation

• Cancellation takes effect at the end of your current billing period
• You retain access to paid features until that date
• No charges will be made after your subscription ends
• You can resubscribe at any time
• Your data is retained for 30 days after cancellation

4.3 Immediate Effect

If you want to immediately stop using paid features:

• You can cancel your subscription
• However, no refund will be provided
• You will lose access to paid features immediately (if requested)

5. Free Trials

5.1 Free Trial Terms (Premium Plan Only - Stripe Payments)

Premium Plan includes a 3-day free trial when paying with Stripe (credit card, debit card, or PayPal):

• Duration: 3 days
• A valid credit card is required to start the trial
• You will NOT be charged during the 3-day trial period
• You will be charged automatically when the trial ends unless you cancel before then
• Cancel before trial ends to avoid charges
• Pro Plan does not include a free trial - payment is required upfront

5.2 Crypto Payments - No Free Trial

Cryptocurrency payments (via NOWPayments) do not include a free trial period:

• Payment is required upfront in full
• No trial period is available for crypto payments
• Subscription access begins immediately upon payment confirmation
• Subscription duration is 30 days from payment confirmation
• Manual renewal required each month

5.3 Free Trial Cancellation (Stripe Only)

• Cancel anytime during the trial period
• No charge if cancelled before trial ends
• Cancellation must be completed at least 24 hours before trial ends
• No refunds if you forget to cancel

5.4 Free Trial Eligibility

• Free trial available only for Premium Plan (Stripe payments only)
• One free trial per user
• One free trial per payment method
• We reserve the right to deny free trials
• Previous subscribers may not be eligible
• Pro Plan is not eligible for free trials
• Crypto payments are not eligible for free trials on any plan

6. Subscription Changes

6.1 Upgrading

From Free to Premium/Pro:

• Charged immediately for the new tier
• Billing date becomes your upgrade date

From Premium to Pro:

• Charged the difference immediately
• Billed at Pro rate on next renewal

6.2 Downgrading

From Pro to Premium:

• Downgrade takes effect at end of current billing period
• No partial refund for unused time
• Charged Premium rate on next renewal

From Premium/Pro to Free:

• Effectively a cancellation
• Access to paid features until period ends
• No refund provided

7. Failed Payments and Account Suspension

7.1 Failed Payment Attempts

If your payment fails:

• We will attempt to charge your payment method up to 3 times
• You will receive email notifications
• Update your payment method in Account Settings

7.2 Account Suspension

If payment cannot be processed:

• Your account will be downgraded to Free tier
• You lose access to Premium/Pro features immediately
• Your data is retained for 30 days
• Resubscribe anytime to restore access

7.3 No Refunds for Suspended Accounts

• No refunds are provided if your account is suspended due to payment failure
• You are responsible for ensuring your payment method is valid

8. Promotional Pricing and Discounts

8.1 Promotional Offers

We may offer promotional pricing:

• Discounts are temporary
• Standard rates apply after promotion ends
• Promotional terms will be clearly stated
• Cannot be combined with other offers (unless stated)

8.2 Coupon Codes

If you use a coupon code:

• Follow the specific terms of that promotion
• Standard refund policy applies unless otherwise stated
• One-time use only
• Cannot be transferred or redeemed for cash

9. Price Changes

9.1 Future Price Increases

• We may increase subscription prices at any time
• You will be notified 30 days before any price increase
• Your current rate is locked until your next renewal
• Cancel before renewal to avoid price increase

9.2 No Refunds for Price Changes

• If you disagree with a price change, cancel before it takes effect
• No refunds will be provided after the new price takes effect
• Continued use after price change constitutes acceptance

10. Chargebacks and Disputes

10.1 Contact Us First

Before initiating a chargeback:

• Contact us to resolve the issue
• Most issues can be resolved quickly
• Chargebacks have serious consequences

10.2 Chargeback Policy

If you initiate a chargeback:

• Your account will be immediately suspended
• We will contest illegitimate chargebacks
• You may be permanently banned from the Service
• You forfeit rights to any refunds or credits

10.3 Legitimate Disputes

For legitimate billing disputes:

• Contact us first for resolution
• Provide documentation of the issue
• We will work with you to resolve it

11. Service Changes and Discontinuation

11.1 Feature Changes

• We may add, modify, or remove features at any time
• No refunds for feature changes
• Subscription price reflects overall Service value

11.2 Service Discontinuation

If we discontinue Market Crash Monitor:

• We will provide 60 days notice
• You will receive a prorated refund for unused time
• Alternatively, we may offer service credit or alternative service

12. Taxes

12.1 Sales Tax / VAT

• Prices do not include applicable taxes
• Taxes will be added based on your location
• Tax rates may change; you are responsible for any changes
• No refunds due to tax increases

12.2 Tax Receipts

• Receipts are available in your account
• Download from Billing → Transaction History
• Contact us if you need additional documentation

13. Currency

• All prices are in USD (United States Dollars)
• Credit card companies may apply currency conversion fees
• We are not responsible for exchange rate fluctuations

14. Fair Usage

We reserve the right to:

• Terminate accounts that violate our Terms of Service
• Deny refunds for accounts terminated for violations
• Suspend accounts showing suspicious activity
• Refuse refunds if abuse is detected

15. Contact Information

For refund requests or billing questions:

• Support Email: info@marketcrashmonitor.com
• Subject Line: "Billing Inquiry" or "Refund Request"
• Response Time: 5-7 business days

Include:

• Your account email address
• Transaction details
• Detailed description of issue

16. Modification of This Policy

• We may update this Refund Policy at any time
• Changes will be posted with a new "Last Updated" date
• Continued use after changes constitutes acceptance
• Material changes will be communicated via email

17. Summary

Key Points to Remember:

✗ NO REFUNDS for:

• Partial months or early cancellation
• Change of mind
• Not using the Service
• Feature changes
• Downgrading subscription

✓ REFUNDS MAY BE PROVIDED for:

• Extended technical outages (72+ hours)
• Billing errors on our part
• Duplicate charges
• Charges after proper cancellation
• Service discontinuation (prorated)

✗ YOU KEEP ACCESS until:

• End of current billing period after cancellation
• Payment fails and account is suspended

✓ YOU CAN CANCEL anytime:

• Takes effect at end of billing period
• No refund for remaining time
• Resubscribe anytime