Refund Policy

Effective Date: March 11, 2026 Last Updated: April 10, 2026 Authoritative Language: English. Any translation is provided for convenience only. If a translated version conflicts with the English version, the English version controls.

1. Core Rule: No Voluntary Refunds

To the maximum extent permitted by applicable law and platform rules, all sales are final and Finqt does not offer voluntary, discretionary, goodwill, convenience-based, prorated, or partial refunds for subscriptions, top-ups, AI credits, bonus balances, or other digital entitlements.

This is a fundamental commercial term of the Services. finqt offers AI-enabled and compute-backed digital features that generate real infrastructure and third-party processing cost at or near the time access is delivered and usage begins. A user purchasing AI access, consuming AI resources, and then seeking a refund is inconsistent with the economic structure on which those digital services are offered.

AI TOKENS AND CREDITS: ONCE USED, NON-REFUNDABLE. Each AI credit represents a unit of compute capacity that is permanently consumed when processing begins. There is no refund, credit-back, or reversal for consumed AI tokens or credits, regardless of satisfaction with the output, except where mandatory law or binding platform rules require otherwise.

If you do not accept the no-refund nature of paid digital access except where mandatory law or binding platform rules require otherwise, do not make the purchase.

2. Scope

This Refund Policy explains how refunds, cancellations, restores, credits, chargebacks, billing disputes, and entitlement reversals are handled for paid finqt features.

This Policy should be read together with our Terms of Use. It does not limit rights you may have under mandatory consumer-protection law or binding platform rules.

3. Platform-Billed Purchases

At present, paid purchases visible in our app are primarily handled through platform billing systems such as Apple App Store billing and related verification systems.

If your purchase was billed by Apple or another platform storefront:

that storefront controls the charge, refund workflow, and primary billing relationship
refund requests must generally be submitted through the applicable storefront unless it tells you otherwise
we cannot independently approve, deny, or override the storefront's decision on charges, refunds, reversals, or cancellations

For Apple-billed purchases, refund requests are generally handled through Apple's account and refund tools.

Apple's published terms also state, in substance, that transactions are final, while Apple may determine in specific cases that replacement content or a refund is the appropriate remedy under its own rules, technical-delivery standards, or applicable law. Where Apple is merchant of record, Apple remains the decision-maker on a refund request submitted through its systems.

4. No-Refund Scenarios

Without limiting the no-refund rule above, and to the maximum extent permitted by law, you are not entitled to a refund merely because:

you changed your mind after purchase
you forgot to cancel before renewal
you used fewer features, prompts, or credits than expected
you did not fully consume a monthly allocation
you no longer want the service after activation or delivery
you switched devices, storefront accounts, or regions
you misunderstood the nature of the credits, AI features, or subscription structure after purchase despite the disclosures provided in-product
you are dissatisfied with non-defective digital content or services after substantial access or consumption

For the avoidance of doubt, inactivity, low usage, partial usage, or failure to maximize the value of a subscription does not convert a completed purchase into a refundable purchase.

5. Subscription Cancellation

If you cancel a recurring subscription:

cancellation usually prevents the next renewal charge
access typically continues until the end of the current paid period unless the platform says otherwise
uninstalling the app, logging out, or deleting your finqt account does not by itself cancel a platform subscription

You are responsible for cancelling through the relevant storefront or billing channel before renewal if you do not want the subscription to renew.

Cancelling a subscription does not retroactively convert a paid period into a refundable period merely because you used the Services less than expected, did not consume all included credits, changed devices, or no longer want the subscription.

6. Restore and Entitlement Issues

If you believe you paid for a subscription or product but did not receive the corresponding entitlement, you should:

use any available restore-purchase function in the app
confirm you are signed into the correct storefront account and the correct finqt account
contact us if the issue continues after reasonable restore attempts

We may ask for transaction identifiers, screenshots, or other proof reasonably necessary to investigate entitlement problems.

Entitlement investigations may take additional time where multiple storefront accounts, sandbox-versus-production confusion, family-sharing assumptions, region changes, or account-mapping inconsistencies are involved.

7. Subscription Plans and Included Credits

The Services offer multiple subscription tiers, each of which may include a monthly allocation of AI credits. As of the date of this Policy, the available tiers are:

Free — a limited number of AI credits per month (currently 0) and a limited number of free AI chat messages per rolling 24-hour period (currently 0). Restricted quotas for alerts, watchlist assets, and other features.
Pro — a paid auto-renewable subscription (monthly or annual billing) that currently includes 100 AI credits per month, real-time market data, market intelligence, unlimited alerts and watchlists, and push-notification support.
Pro+ — a paid auto-renewable subscription (monthly or annual billing) that currently includes 300 AI credits per month and all Pro features, plus priority support and data-export capabilities.

Annual subscriptions are billed as a single upfront payment and may reflect a discount compared to 12 months of the corresponding monthly plan. Exact pricing, credit allocations, and features may change and are confirmed at the time of purchase.

All paid subscriptions renew automatically unless cancelled before the renewal date through the relevant storefront. Cancellation stops future renewals but does not retroactively refund the current paid period.

8. Credit Top-Up Packages

In addition to subscription credits, users may purchase one-time credit top-up packages. As of the date of this Policy, top-up packages are available in the following sizes (exact pricing confirmed at the point of purchase):

Small — currently 25 credits
Medium — currently 75 credits
Large — currently 200 credits

Top-up credits are added to your account upon purchase and are subject to the same consumption rules and non-refund terms as subscription credits.

9. Credit Types, Consumption, and Expiry

The Services maintain two distinct credit pools for each user:

Subscription credits (base credits) are allocated at the start of each billing cycle as part of your subscription plan. They reset when a new cycle begins. Unused subscription credits do not roll over — any remaining subscription credits at the end of a billing period are forfeited and replaced by the new allocation.

Purchased credits (top-up credits) are acquired through one-time credit packages. They do not expire and remain in your account until consumed.

Credit consumption rates vary by feature:

Standard AI text message: 1 credit per message
Image analysis (chart screenshot or photo): 2 credits per request

When both credit types are available, purchased (top-up) credits are consumed first, followed by subscription (base) credits.

All credits, regardless of source:

are subject to the product terms shown at purchase or in-product
may not be restorable after consumption
are non-transferable, non-exchangeable, and not redeemable for cash
may be revoked, reduced, or adjusted if a related payment is refunded, charged back, reversed, or found to be fraudulent

Unless required by law or expressly stated otherwise, consumed, partially consumed, delivered, activated, or provisioned digital benefits are not refundable.

9.1 When credits are considered delivered or used

For operational and contractual purposes, credits may be treated as delivered once they are provisioned to your account, entitlement ledger, or paid-access state, even if you do not immediately consume them.

For operational and billing purposes, credits may be treated as used once:

an AI request is accepted for processing
compute resources are allocated to generate a response
an image-analysis request begins processing
the response or output is generated, streamed, or otherwise delivered

Once consumed, AI credits cannot be refunded, reversed, or restored. AI features incur real third-party compute costs at the moment of use. This applies to both subscription credits and purchased top-up credits.

9.2 Why this matters

AI features create real compute and third-party processing costs at the time of use. A standard text-based AI message consumes 1 credit; an image-analysis request consumes 2 credits because it requires a more resource-intensive vision model. For that reason, once credits have been delivered and consumed, they are generally not refundable except where required by law or the relevant storefront rules.

9.3 Monthly allocations, bonus balances, and promotional credits

Subscription credits are part of the subscription package for the applicable billing period. They do not carry over to the next period. Bonus, goodwill, promotional, or manually adjusted credits may be subject to separate limits, expiration, or revocation rules.

If a subscription period is refunded, we may remove or offset recurring, bonus, or promotional credits associated with that period to the extent permitted by law and platform rules. If purchased top-up credits remain unused at the time of a subscription refund, those top-up credits are not affected by the subscription refund unless the top-up purchase itself is also reversed.

9.4 No cash value; no property interest

Credits, bonus balances, promotional entitlements, and similar digital units:

do not constitute stored monetary value, bank deposits, or electronic money
do not create a property interest, trust interest, or custodial relationship in your favor
cannot be redeemed for fiat currency, transferred outside the Services, or exchanged for another product except where we expressly permit it

They are limited contractual digital-use permissions within the Services only.

10. Technical Failures and Limited Remedy

If a genuine technical problem caused by us prevents delivery of paid digital content within a reasonable time, our preferred remedy is to correct delivery, restore access, replace the missing entitlement, or otherwise cure the issue.

To the extent permitted by law and subject to platform rules, refund is not the default remedy where replacement, re-provisioning, credit restoration, or equivalent correction is reasonably available. Where Apple is merchant of record, any refund remedy remains subject to Apple's processes and decision.

11. Refund Requests for Apple Purchases

If your purchase was made through Apple App Store billing:

Apple determines whether a refund request is granted
Apple may grant a refund under its own policies or where required by law
if Apple grants a refund, we may revoke or adjust associated entitlements, subscriptions, or credits as permitted by law and platform rules

We cannot promise that Apple will grant any refund request, and we cannot stop Apple from granting a refund if Apple determines one is appropriate under its rules or applicable law.

12. Effect of Refunds, Chargebacks, and Reversals

If a payment is refunded, charged back, reversed, revoked, or flagged as fraudulent, we may:

remove or downgrade related subscription entitlements
deduct, reverse, or offset credits added to your account
suspend features or account access while investigating
require verification before restoring service

If refunded credits were already consumed, we may reduce future credits or limit paid functionality to reflect the reversal, to the extent permitted by law and platform rules.

You must not submit false or misleading chargeback claims, unauthorized-purchase claims, or duplicate refund requests. If we reasonably believe a refund or dispute workflow is being abused, we may preserve evidence, restrict restore actions, or require additional verification before granting or reactivating paid access.

We may also maintain internal records of refund, dispute, and abuse activity to identify patterns of misuse, repeated refund attempts after substantial consumption, suspicious account cycling, or conduct suggesting manipulation of digital-entitlement delivery.

13. Duplicate Purchases, Technical Errors, and Unauthorized Charges

If you believe you were charged in error, experienced a duplicate charge, or suffered an unauthorized purchase:

first review your storefront purchase history
contact the relevant storefront or payment provider promptly
contact us if you need help investigating an entitlement or account-mapping problem

We may assist by reviewing transaction records, restore status, and entitlement logs, but platform-billed charge resolution typically remains with the storefront.

Where a duplicate entitlement was created because of a platform-processing issue, network retry, or restore anomaly, we may correct the entitlement state so your account reflects the purchase state we reasonably determine to be accurate.

14. Promotional Offers and Free Trials

Free trials, intro offers, discounted subscriptions, or bonus-credit campaigns may be subject to specific promotional terms presented at the time of offer.

If you do not cancel a trial or promotional subscription before renewal, the storefront may convert it into a paid subscription according to the offer terms.

Eligibility for introductory pricing, trial periods, or promotional access may be limited by platform rules, prior purchase history, storefront account history, or abuse-prevention controls. Not all users, regions, or devices will receive the same offers.

15. Price Changes

Where permitted by law and platform rules, we may change prices, subscription packaging, or included credit amounts in the future. Any such changes to platform subscriptions are subject to the applicable storefront's rules on price changes, notice, and consent.

You may avoid future charges by cancelling before the change takes effect, subject to storefront rules.

16. Statutory Rights

Nothing in this Policy excludes, restricts, or waives any non-waivable rights you have under applicable law, including rights relating to defective digital services, unauthorized charges, or mandatory cooling-off or refund rights where they apply.

Where mandatory law grants you a cooling-off right, refund right, or remedy that overrides part of this Policy, that law will control to the minimum extent required. However, if you expressly request immediate delivery of digital content or immediate commencement of a digital service and the applicable law allows waiver or reduction of a withdrawal right after delivery or consumption begins, we may rely on that rule to the extent permitted.

17. Contact

If you need help identifying the correct refund path or resolving an entitlement issue:

Email: [email protected]

Finqt LLC-FZ Meydan Free Zone Dubai, United Arab Emirates