Refund Policy

1. Introduction

At Paynancer, we want you to be completely satisfied with our service. This Refund Policy explains our approach to refunds, cancellations, and billing for Paynancer subscriptions. By subscribing to Paynancer, you agree to the terms outlined in this policy.

This policy applies to all subscription plans offered by Paynancer Inc. ("we," "us," or "our"), including monthly and annual subscriptions. If you have questions about refunds or billing, please contact our support team at support@paynancer.com.

2. Free Trial Period

2.1 Trial Duration and Terms

New users are eligible for a 14-day free trial when they first sign up for Paynancer. During the trial period:

• You have full access to all features of your selected plan
• You will not be charged during or automatically after the trial period
• No payment method is required to start or use your trial
• After the trial ends, you must explicitly add billing details to continue using paid features

2.2 After Your Trial Ends

When your 14-day trial expires:

• You will not be automatically charged
• You must go to Settings → Billing and add your payment details to continue
• Once you add billing details, your subscription begins and you will be charged according to your selected plan
• If you don't add billing details, your account will revert to limited or view-only access

2.3 Trial Eligibility

The free trial is available only to new users who have not previously subscribed to Paynancer. One trial per user, per household. We reserve the right to determine trial eligibility and prevent abuse of the trial offer.

3. 14-Day Money-Back Guarantee

3.1 Eligibility

We offer a 14-day money-back guarantee for new paid subscriptions. If you are not satisfied with Paynancer within the first 14 days after adding your billing details and being charged, you may request a full refund.

The money-back guarantee applies to:

• First-time paid subscriptions after adding billing details (monthly or annual)
• Refund requests made within 14 days of your first payment
• Users who have not previously received a refund from Paynancer

3.2 Exclusions

The 14-day money-back guarantee does NOT apply to:

• Subscription renewals (second billing cycle and beyond)
• Refund requests made after 14 days from the initial payment
• Users who have previously received a refund
• Subscriptions purchased through third-party resellers or app stores (subject to their policies)

3.3 How to Request a Refund

To request a refund under our money-back guarantee:

1. Email our support team at support@paynancer.com
2. Include "Refund Request" in the subject line
3. Provide your account email address and reason for the refund (optional but helpful)
4. Allow up to 5 business days for processing

Once approved, refunds are typically processed within 5-10 business days and will appear on your original payment method.

4. Subscription Billing and Renewals

4.1 Automatic Renewal

All Paynancer subscriptions automatically renew at the end of each billing cycle unless you cancel before the renewal date. By subscribing, you authorize us to charge your payment method:

• Monthly Plans: Charged on the same day each month
• Annual Plans: Charged on the anniversary of your subscription date each year

4.2 Billing Reminders

We will send you an email reminder before your subscription renews. This gives you the opportunity to cancel if you no longer wish to continue. Reminders are typically sent:

• 7 days before renewal for monthly subscriptions
• 30 days before renewal for annual subscriptions

4.3 Failed Payments

If your payment fails at renewal, we will:

• Notify you via email
• Retry the payment up to 3 times over 10 days
• Suspend your account if payment continues to fail
• Delete your account after 30 days of non-payment (with advance notice)

You can update your payment method at any time in your account settings to avoid service interruption.

5. Cancellation Policy

5.1 How to Cancel

You can cancel your Paynancer subscription at any time through your account settings:

1. Log into your Paynancer account
2. Navigate to Settings → Subscription
3. Click "Cancel Subscription"
4. Confirm your cancellation

Alternatively, you can contact our support team at support@paynancer.com, and we will assist you with canceling your subscription.

5.2 When Cancellation Takes Effect

When you cancel your subscription:

• Your cancellation is effective at the end of your current billing period
• You will retain full access to all paid features until the end of the period you've already paid for
• You will not be charged for the next billing cycle
• Your data will be retained for 30 days after the billing period ends in case you wish to reactivate

5.3 No Refunds for Unused Time

Important: For existing subscribers who have been using Paynancer beyond the initial 14-day money-back guarantee period:

• We do not provide refunds for the unused portion of your current billing period
• When you cancel, you keep access until your current period ends (no refund needed since you can still use the service)
• This applies to both monthly and annual subscriptions

Exception: Refunds for unused time may be considered within the 14-day money-back guarantee period (for first-time subscribers) or in exceptional circumstances (see Section 7).

6. Plan Changes (Upgrades and Downgrades)

6.1 Upgrading Your Plan

If you upgrade to a higher-tier plan or switch from monthly to annual billing:

• The upgrade takes effect immediately
• You will be charged a pro-rated amount for the remainder of your billing cycle
• Your next full charge will reflect the new plan price

6.2 Downgrading Your Plan

If you downgrade to a lower-tier plan:

• The downgrade takes effect at the end of your current billing period
• You will not receive a refund for the difference in price
• You will retain access to your current plan features until the end of the billing period

7. Refunds in Exceptional Circumstances

While we generally do not provide refunds for renewals or partial subscription periods, we may consider refund requests in exceptional circumstances, including:

• Billing Errors: If you were charged incorrectly due to a system error
• Service Outages: If Paynancer experienced significant downtime that prevented you from using the service
• Medical or Family Emergencies: In cases of documented hardship
• Account Compromise: If your account was compromised and charges were made without your authorization

To request a refund under exceptional circumstances, contact our support team at support@paynancer.com with a detailed explanation of your situation. All such requests are reviewed on a case-by-case basis, and approval is at our sole discretion.

8. Non-Refundable Items and Services

The following are non-refundable under any circumstances:

• Subscription renewals after the 14-day money-back guarantee period
• Unused portions of a subscription after cancellation (except within the money-back guarantee window)
• Previously refunded subscriptions (one refund per user policy)
• Gift subscriptions or promotional discounts (unless specified otherwise)
• Third-party purchases made through app stores (subject to their refund policies)

9. Refund Processing and Timeline

9.1 Approval Timeline

Once you submit a refund request:

• We will review your request within 3-5 business days
• You will receive an email confirmation of approval or denial
• If additional information is needed, we will contact you

9.2 Refund Processing Time

Once your refund is approved:

• Refunds are processed within 5-10 business days
• The refund will be issued to your original payment method
• It may take an additional 3-7 business days for the refund to appear on your bank statement, depending on your financial institution

9.3 Payment Method Changes

If your original payment method is no longer valid (e.g., expired credit card), please contact us at support@paynancer.com to arrange an alternative refund method.

10. Subscriptions Purchased Through Third-Party App Stores

If you purchased your Paynancer subscription through the Apple App Store, Google Play Store, or another third-party platform, refunds are subject to the policies of those platforms, not this Refund Policy.

10.1 Apple App Store

To request a refund for an App Store purchase:

• Visit reportaproblem.apple.com
• Sign in with your Apple ID
• Select the purchase and request a refund

10.2 Google Play Store

To request a refund for a Google Play purchase:

• Visit play.google.com
• Navigate to Account → Order History
• Select the purchase and request a refund

For questions about third-party app store purchases, please contact the respective platform's customer support.

11. Chargebacks and Disputes

If you dispute a charge with your bank or credit card company (a "chargeback") without first contacting us, we may be unable to provide a refund or resolve the issue directly.

Before filing a chargeback, please contact us at support@paynancer.com. We are committed to resolving billing issues quickly and fairly. Filing a chargeback may result in:

• Immediate suspension of your Paynancer account
• Prohibition from creating future accounts
• Additional fees charged by payment processors

We will work with you to resolve any billing concerns or disputes in good faith.

12. Changes to This Refund Policy

We reserve the right to modify this Refund Policy at any time. When we make changes, we will:

• Update the "Last Updated" date at the top of this policy
• Notify active subscribers via email if changes materially affect their rights
• Post the updated policy on our website

Your continued use of Paynancer after changes take effect constitutes acceptance of the updated Refund Policy. We encourage you to review this policy periodically.