DRAFT — FOR ATTORNEY REVIEW, NOT YET IN EFFECT

CloverBull Refund & Cancellation Policy

Effective Date: [EFFECTIVE DATE]

1. How Billing Works

CloverBull subscriptions (Trader and Champion plans, monthly or annual) are billed through Stripe, our payment processor. We never see or store your card number — Stripe handles all payment details.

Subscriptions auto-renew at the end of each billing period (monthly or annually) until you cancel. The renewal charge goes to the payment method on file.

2. How to Cancel

Cancel anytime from inside the app: Account → Manage Billing, which opens your Stripe billing portal.

• Cancellation takes effect at the end of your current billing period.
• You keep full access to your paid features until that date.
• No cancellation fees, ever.

If you have trouble with the portal, email us (Section 9) and we'll cancel it for you.

3. Refunds

Our standard position:

• No pro-rated refunds for partial billing periods. When you cancel, you simply aren't charged again.
• First purchase: [7-day money-back window on your first paid subscription — OWNER TO CONFIRM]. If confirmed, email us within [7] days of your first charge for a full refund.
• Annual plans: [pro-rated refund available on request within 30 days of the annual charge — OWNER TO CONFIRM].
• Duplicate or erroneous charges are always refunded in full — just let us know.

4. Refunds Required by Law

Nothing in this policy limits any refund rights you have under applicable law (including consumer-protection laws in your jurisdiction, such as EU/UK cooling-off rights where they apply). Where the law requires a refund, we provide it.

5. Downgrading to the Free Tier

If you cancel a paid plan, your account automatically moves to the free Scout tier at the end of your billing period. You do not lose your data — your watchlists, portfolio tracker entries, and preferences remain in your account; you just lose access to paid features until you resubscribe.

6. Free Trials

If your plan includes a free trial, you won't be charged until the trial ends. Cancel before the trial ends to avoid any charge. Trial terms (length, eligibility) are shown at checkout.

7. Failed Payments

If a renewal payment fails, Stripe will retry the charge over the following days and we may email you to update your payment method. If payment still can't be collected, your subscription is canceled and your account downgrades to the free tier (again, no data loss).

8. Price Changes

If we change subscription prices, we'll give existing subscribers at least [30] days' notice by email before the new price applies to your renewal. If you don't agree with the new price, cancel before renewal and you won't be charged it.

9. How Refunds Are Processed

Approved refunds are issued through Stripe to your original payment method, typically within 5–10 business days (your bank may take a few extra days to post it).

10. Contact

Questions, cancellations, or refund requests: [SUPPORT EMAIL — support@cloverbull.com planned]. Include the email address on your CloverBull account so we can find your subscription.

---

This policy is part of the CloverBull Terms of Service. CloverBull is operated by [COMPANY LEGAL NAME].