LEGAL

Refund Policy

Effective Date: May 1, 2026

QUICK REFERENCE

First-time subscriber, within 14 daysFull refund — no questions asked

After 14 daysNo refund — access continues until period ends

Cancel mid-monthNo partial refund — access until billing period ends

Service outage >4 hours (our fault)Pro-rated service credit on next bill

Duplicate chargeFull refund of duplicate amount

Unauthorized chargeFull refund after investigation

14-Day Money-Back Guarantee

New subscribers to the Pro or Elite plan may request a full refund within 14 days of their first payment. This applies only to your first subscription payment and is not available for renewals or plan upgrades. To request a refund: email [email protected] with subject "Refund Request — [Your Account Email]", including your account email and date of charge. We process refunds within 5–7 business days; they appear on your statement within 5–10 business days after processing.

Cancellation Policy

You may cancel your subscription at any time from Account Settings → Billing, or by emailing [email protected] with "Cancel Subscription" in the subject. Your subscription remains active until the end of your current billing period. You will not be charged again after cancellation. No partial refunds are issued for unused days within a billing period.

Service Outage Credits

If Apex Stock Intel experiences an unplanned outage of 4 or more consecutive hours caused solely by our infrastructure (not third-party services such as Anthropic, Vercel, Supabase, or Finnhub; not planned maintenance; not events beyond our control), you may request a pro-rated service credit. Credits are applied to your next invoice — they are not issued as cash. To claim: email [email protected] within 30 days with "SLA Credit Request" in the subject, your account email, and the dates and times of the outage. Maximum credit per incident: one month's subscription fee.

No Refunds for Downgrading

If you downgrade from Elite to Pro or from Pro to Free, no refund is issued for the difference. The downgrade takes effect at the start of your next billing cycle and you retain access to your current plan's features until then.

Fraudulent Chargebacks

Initiating a chargeback with your payment provider when you are not entitled to a refund may result in permanent account termination and potential legal action. If you have a billing concern, please contact us first at [email protected] — we will resolve it promptly.

Exceptional Circumstances

We reserve the right to issue refunds or credits at our sole discretion in exceptional circumstances not covered above. We aim to be fair and will always consider reasonable requests.

Contact for Refunds

Email: [email protected] · Subject: "Refund Request — [Your Account Email]" · Response time: within 2 business days.