Refund Policy

Introduction

At AI Financial Management Solutions ("we," "our," or "us"), customer satisfaction is our priority. This Refund Policy outlines the terms and conditions for refunds for our services, including subscription plans, one-time purchases, and consulting services.

By purchasing or using our services, you agree to the terms of this Refund Policy. Please read this policy carefully to understand your rights and expectations regarding refunds.

Refund Policy for Subscription Services

14-Day Money-Back Guarantee

We offer a 14-day money-back guarantee for new subscribers to our services. If you are not satisfied with our subscription services, you may request a full refund within 14 days of your initial purchase. The refund will be processed for the subscription fee only.

Eligibility Criteria for Subscription Refunds

To be eligible for a refund under our 14-day money-back guarantee, the following conditions must be met:

• The refund request must be submitted within 14 days of the initial subscription purchase.
• The account must not have violated our Terms of Service.
• For premium subscription plans, the refund request must be for the initial subscription period only.
• The account usage must not exceed reasonable limits as determined by us.

Subscription Cancellations After 14 Days

If you cancel your subscription after the 14-day period:

• No refund will be provided for the current billing period.
• You will continue to have access to the subscription services until the end of the current billing period.
• Your subscription will not auto-renew for the next billing period.

Pro-rated Refunds

Pro-rated refunds may be considered on a case-by-case basis for annual subscription plans if you have used the service for less than 30 days and can demonstrate that the service does not function as described. Please contact our customer support team to discuss your specific situation.

Refund Policy for One-Time Purchases

Digital Products

For one-time purchases of digital products (e.g., financial analysis reports, investment guides, data sets):

• A full refund may be requested within 14 days of purchase if you have not downloaded or accessed the product.
• If you have downloaded or accessed the product, refunds will be considered on a case-by-case basis and may be subject to a restocking fee of up to 30% of the purchase price.
• Refunds will not be provided if the product description clearly stated that the purchase was non-refundable or if the product was purchased as part of a special promotion that explicitly excluded refunds.

Physical Products

For any physical products we may offer:

• A full refund may be requested within 30 days of delivery if the product is returned in its original condition.
• Shipping costs for returns are the responsibility of the customer unless the product was damaged or defective upon receipt.
• Refunds will be processed within 14 business days of receiving the returned product.

Refund Policy for Consulting Services

Pre-Scheduled Consultations

For pre-scheduled financial consulting services:

• Full refunds are available if canceled at least 48 hours before the scheduled consultation.
• Cancellations within 48 hours of the scheduled consultation are eligible for a 50% refund or the option to reschedule once at no additional cost.
• No refunds will be provided for missed consultations without prior notice.

Custom Financial Analysis Projects

For custom financial analysis projects:

• Projects canceled before work begins are eligible for a full refund minus a 10% administrative fee.
• Projects canceled after work has begun but before delivery are eligible for a partial refund based on the percentage of work completed.
• No refunds will be provided after the final deliverables have been provided, unless the deliverables substantially fail to meet the agreed-upon specifications.

Exceptions to the Refund Policy

The following situations are generally not eligible for refunds:

• Purchases made more than 14 days prior to the refund request (except where noted otherwise in this policy).
• Services that have been fully delivered and meet the specifications described at the time of purchase.
• Subscriptions that have been active for more than 14 days.
• Accounts that have violated our Terms of Service.
• Purchases where the customer has already received substantial benefit from the service.
• Purchases explicitly marked as non-refundable at the time of purchase.

We reserve the right to deny refund requests that we determine to be abusive of our refund policy or made in bad faith.

How to Request a Refund

Refund Process

To request a refund, please follow these steps:

1. Log in to your account on our website.
2. Navigate to the "Billing" or "Subscription" section.
3. Select the "Request Refund" option for the applicable purchase.
4. Fill out the refund request form, providing the reason for your refund request and any relevant details.
5. Submit the form for review by our customer service team.

Alternatively, you can contact our customer service team directly at refunds@aifinancemanagement.com with your request.

Required Information

When requesting a refund, please provide the following information:

• Your full name and email address associated with your account.
• Order number or transaction ID (if available).
• Date of purchase.
• Reason for requesting a refund.
• Any relevant details or documentation to support your refund request.

Processing Timeline

We aim to process refund requests as quickly as possible:

• We will acknowledge receipt of your refund request within 2 business days.
• We will review and make a decision on your refund request within 5 business days.
• If approved, refunds will be processed within 10 business days of approval.
• The time for the refund to appear in your account depends on your payment method and financial institution, typically 5-10 business days.

Refund Methods

Refunds will be issued using the same payment method used for the original purchase:

• Credit/Debit Card: Refunds will be credited back to the original card used for purchase.
• PayPal: Refunds will be sent to the PayPal account used for purchase.
• Bank Transfer: Refunds will be processed back to the originating account.
• Other Payment Methods: For other payment methods, we will either refund to the original payment method or offer an alternative refund method if the original is unavailable.

Please note that we cannot change the refund method to a different payment option than was used for the original purchase due to security and anti-fraud measures.

Special Circumstances

Service Disruptions

In the event of significant service disruptions or outages:

• For disruptions lasting more than 24 consecutive hours, we may offer pro-rated credits or extended service periods.
• For major disruptions lasting more than 72 consecutive hours, we may offer partial refunds at our discretion.
• The compensation will be proportional to the duration and severity of the disruption.

Account Termination

If we terminate your account due to violations of our Terms of Service:

• No refunds will be provided for the current billing period.
• Any future pre-paid periods may be refunded at our discretion.

Promotional or Discounted Purchases

For services purchased with promotional codes or special discounts:

• Refunds will be based on the actual amount paid after applying the discount.
• Some promotional offers may have specific non-refundable terms that override our standard refund policy. These terms will be clearly communicated at the time of purchase.

Changes to This Policy

We may update this Refund Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated version will be indicated by an updated "Last Updated" date, and the updated version will be effective as soon as it is accessible.

For existing customers, any material changes to this policy will be communicated via email or through a notification on our website at least 30 days before the changes take effect.

Please note that refund requests will be processed based on the refund policy that was in effect at the time of purchase.

Contact Information

If you have any questions, concerns, or special circumstances regarding our Refund Policy, please contact our customer service team at:

We aim to respond to all inquiries within 2 business days.