Payment & Refund Policy

1. Scope

This Payment & Refund Policy applies to all subscriptions, usage-based plans, professional services, and add-ons purchased from ALGOTICON LLC, doing business as FINTICON ("FINTICON", "we", "us"). By activating or renewing any paid plan, you agree to the terms below in addition to our Terms of Service and Privacy Policy.

2. Subscription Billing

Our SaaS subscriptions are billed in advance on a recurring basis (monthly or annually) unless otherwise stated in an order form. Each subscription continues to renew automatically until cancelled. Usage-based or metered components are invoiced in arrears based on the metrics specified for your plan.

3. Payment Methods & Currency

We accept the payment methods advertised on our site, which may include major credit cards, bank transfer, or invoiced payment via approved partners. You authorize us or our payment processors to charge the payment method on file for all applicable fees. Prices are listed in U.S. Dollars unless we explicitly indicate another currency. Exchange rates, foreign transaction fees, and other bank charges are your responsibility.

4. Invoices & Receipts

For self-service subscriptions, confirmation emails and receipts are delivered to the account owner’s email address. For invoiced accounts, payment is due within the timeframe stated on the invoice (typically net 15 or net 30 days). Late payments may result in service suspension and the application of interest as permitted by law.

5. Trials & Promotions

If we offer a free trial or promotional rate, the trial period will be communicated when you register. Unless you cancel before the trial ends, the subscription converts to a paid plan and the billing method on record will be charged on the first day after the trial period. Promotional pricing applies only for the stated period; standard rates renew thereafter.

6. Upgrades, Downgrades & Add-ons

Plan changes take effect immediately unless scheduled. When you upgrade or add services, we prorate the fee for the remaining term and charge the difference at the time of the change. For downgrades or removals, the new pricing applies at the next renewal; previously paid fees are not refunded or credited unless required by law.

7. Taxes

All fees are exclusive of taxes unless stated otherwise. You are responsible for applicable sales, value-added, GST, withholding, or similar taxes associated with your purchases. If we are required to collect taxes, they will be added to your invoice and charged to the payment method on file.

8. Cancellation

You may cancel a subscription at any time through the account settings or by contacting your account manager. Cancellation prevents auto-renewal of the next billing cycle but does not retroactively refund payments already processed for the current term. You remain responsible for any outstanding fees incurred before cancellation.

9. Refund Eligibility

Because our products provide immediate access to digital services and data, all fees are non-refundable except:

• where mandated by applicable consumer protection laws;
• if we materially fail to deliver the core service as described and cannot remedy the issue within a reasonable timeframe;
• for duplicate charges caused by a billing system error once verified by our support team.

Refund requests must be submitted within 30 days of the charge date. Approved refunds are issued to the original payment method. We do not provide prorated refunds for partial months or unused service periods.

10. Chargebacks & Disputes

If you dispute a charge with your payment provider, we may suspend or terminate the related account until the dispute is resolved. To avoid service interruption, please contact us at billing@finticon.com so we can investigate and, when appropriate, offer alternatives before you initiate a chargeback.

11. Service Suspension

We may suspend access to the platform for non-payment, suspected fraud, or use that violates our Terms of Service. Suspension does not relieve you of the obligation to pay accrued fees. If a suspension extends beyond 30 days with no remediation, we may terminate the account and delete stored data in accordance with our data retention practices.

12. Policy Updates

We may revise this Payment & Refund Policy to reflect changes in regulations, payment partners, or product features. Material updates will be communicated via email or in-app notifications, and the "Last updated" date will be revised accordingly. Continued use of paid services after such updates constitutes acceptance of the updated policy.

13. Contact

For questions about billing, refunds, or this policy, reach our finance team at billing@finticon.com or contact your account manager directly.