Refund Policy

1. Subscription Services

Ohmyfin offers subscription-based access to our international payment tracking platform. By subscribing, you agree to the following refund terms:

1.1 Free Trial Period

We may offer a free trial period for new subscribers. During the trial period, you will not be charged. If you cancel before the trial period ends, no charges will be incurred.

1.2 Monthly Subscriptions

Monthly subscription fees are non-refundable once the billing cycle has begun. You may cancel your subscription at any time, and your access will continue until the end of the current billing period.

1.3 Annual Subscriptions

Annual subscription fees are non-refundable after 14 days from the date of purchase, except where required by applicable law. Within the first 14 days, you may request a full refund if you have not used more than 10 tracking credits during that period.

2. Credit Purchases

Individual tracking credits purchased on the platform are non-refundable once used. Unused credits remain in your account and do not expire for the duration of your active subscription.

If you experience a technical error that results in the incorrect deduction of credits (e.g., a system error preventing a tracking result from being displayed despite a credit being consumed), we will restore the affected credits to your account upon verification.

3. Automatic Credit Refunds

Our system automatically refunds tracking credits in the following circumstances:

• A technical API error occurs during the tracking process (excluding "not found" results, which represent a valid tracking attempt)
• The tracking service is temporarily unavailable due to a system outage on our end

These automatic refunds are applied instantly to your account balance.

4. Exceptional Circumstances

We may, at our sole discretion, offer refunds or credits in exceptional circumstances, including:

• Extended service outages exceeding 24 consecutive hours
• Billing errors resulting in duplicate charges
• Situations where the service was materially different from what was described at the time of purchase

5. How to Request a Refund

To request a refund, please contact us with the following information:

• Your registered email address
• The date and amount of the transaction
• The reason for the refund request

You can reach us at:

• Email: support@ohmyfin.org
• Website: Contact Us

We will review all refund requests within 5 business days and notify you of the outcome by email.

6. Consumer Rights

Nothing in this Refund Policy affects your statutory rights as a consumer. If you are a consumer based in the United Kingdom or the European Union, you may have additional rights under the Consumer Rights Act 2015 (UK) or equivalent EU legislation, including the right to cancel digital content contracts within 14 days of purchase, subject to certain exceptions.

7. Chargebacks

If you initiate a chargeback through your bank or payment provider without first contacting us, we reserve the right to suspend your account pending investigation. We encourage you to contact us directly so that we can resolve any issues promptly and fairly.

8. Changes to This Policy

We reserve the right to modify this Refund Policy at any time. Any changes will be posted on this page with an updated effective date. Continued use of our services after changes have been posted constitutes acceptance of the revised policy.