Refunds & Cancellation Policy

• Pro is $9.99 per month, billed in advance, and renews automatically.
• Cancel anytime in Settings. You keep Pro until the end of the period you have paid for.
• No refunds once a billing period has started.
• The free tier never expires and never charges you.

Go to Settings → Cancel Subscription. Cancellation takes effect immediately for billing purposes: your payment method will not be charged again. You may also cancel by emailing monetarymodel@oandpadvisoryservices.com from the address on your account; we will confirm within two business days.

After cancelling, Pro features stay active until the last day of the period you already paid for. Your account then returns to the free tier and your saved scenarios remain available within free-tier limits.

Because you receive full Pro access for the entire period you paid for, we do not issue refunds or credits for partial months, unused time, or periods in which you did not use the Service. Please cancel before your renewal date if you do not want to be charged again; your renewal date is shown in your Stripe receipt and in Settings.

We will refund the affected charge if:

• You were charged after cancelling, or charged more than once for the same period.
• We materially remove Pro features during a period you paid for (refund of the unused portion).
• Applicable consumer law gives you a non-waivable right to a refund, such as a statutory cooling-off period in your jurisdiction.

To request one, email monetarymodel@oandpadvisoryservices.com with the receipt or charge date. Approved refunds are returned to the original payment method, typically within 5–10 business days.

If the Pro price changes, we will email you at least 30 days before your first renewal at the new price. You may cancel before then to avoid it.

If a renewal payment fails, Stripe retries automatically. If it still fails, Pro features are paused until payment succeeds. Your free-tier access is not affected.

Please contact us before disputing a charge with your bank — we can usually resolve billing problems faster. Accounts with unresolved chargebacks may be suspended.