FINTICON | Analytics & Statistics for Financial Markets

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.

Access to FINTICON SaaS is provided on a subscription basis subject to advance payment for the applicable billing period (including, without limitation, 1 month, 3 months, 6 months, or 1 year, as well as any other period expressly specified in an order form). Unless expressly provided otherwise in an order form, each subscription renews automatically for successive equivalent billing periods until terminated (cancelled) in accordance with the applicable procedure. Charges for usage-based or metered components are calculated and invoiced in arrears based on the metrics set out in the relevant plan.
Services are provided in accordance with the terms of the selected pricing plan. Each pricing plan sets specific volumes, limits, and/or other usage parameters; if such limits are exceeded, access to the relevant functionality may be restricted in whole or in part until entitlement to such access is restored. Current details and limits of the applicable pricing plan are published on the website pages and in the individual policies of the relevant plan.
To restore full access after restrictions are applied, the Customer may: (i) wait until the start of the next billing period, or (ii) make an early manual payment for a new period. In case of early payment, full access to the service package is granted from the moment the relevant payment is credited. In such case, the next payment date shall be updated in accordance with the date of the current payment.

For recurring payments, the service access period is determined by the applicable billing period set for the subscription or order (including, without limitation, 1 month, 3 months, 6 months, 1 year, as well as any other individually agreed (custom) period). The date of a successful charge is deemed the access start date.
Access is granted for the entire agreed billing period and ends at 23:59:59 on the day preceding the corresponding calendar date of the start date in the next period. For a monthly period: a period from 20.10 lasts through 19.11 (inclusive); a period from 25.11 lasts through 24.12 (inclusive).
Irrespective of the price display on the Site in U.S. Dollars, the payment provider debits funds in Ukrainian Hryvnia at the exchange rate applied by such provider on the transaction date. Accordingly, the actual amount of each recurring monthly payment may vary slightly.
Recurring payments may be cancelled via the personal account dashboard or by contacting customer support.

FINTICON accepts the payment methods specified on the Site, including major payment cards. The user (the "Customer") authorizes FINTICON and/or its engaged payment providers to debit the designated payment method for all applicable charges. Prices are stated in U.S. Dollars unless another currency is expressly indicated.
The payment provider may process charges in the national currency of Ukraine - Hryvnia - at its own exchange rate effective at the time of the transaction (based on the price stated in U.S. Dollars), due to which the actual debited amount may differ from the price displayed on the Site in U.S. Dollars.
The amounts of individual recurring payments may vary from one another due to changes in exchange rates.
Exchange rate differences, international transaction fees, and other banking charges are borne by the Customer.

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.

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.

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.

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.

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

Because our products provide immediate access to digital services and data, all payments are non-refundable, except:
where required by applicable consumer protection laws;
where we materially fail to provide the core service as described and cannot remedy the issue within a reasonable time;
for duplicate charges caused by a billing system error, upon verification 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.

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.

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.

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.

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