Subscription and Refund Policy

This Policy applies to subscriptions and digital services purchased directly from OTSO Fintech Co. LTD. Purchases through an app store, reseller, partner or other third party may be governed by that provider's billing and refund rules.

5.1 Plans and prices

Current plan features, prices, billing intervals and taxes are displayed before purchase. We may offer monthly, annual, promotional, trial, enterprise or usage-based arrangements. Features may vary by location and account eligibility.

5.2 Automatic renewal

Unless stated otherwise, a paid subscription renews automatically for the same billing interval until canceled. You authorize the payment provider to charge the payment method on file at each renewal at the then-current disclosed price, plus applicable taxes.

We will provide renewal reminders where required by law.

5.3 Cancellation

You may cancel through account billing settings or by contacting [SUPPORT EMAIL]. Cancellation stops future renewals but does not ordinarily reverse a charge already incurred. Unless law or the purchase screen states otherwise, access continues through the end of the paid period.

Deleting the application or disconnecting an account does not cancel a subscription.

5.4 Free trials and promotions

A trial may convert to a paid subscription at the end of the trial unless canceled before the stated deadline. Eligibility, duration and included features will be displayed at enrollment. We may limit one trial per person, payment method, device, household or organization where permitted.

5.5 Plan changes

Upgrades may take effect immediately with a prorated charge or credit. Downgrades generally take effect at the next renewal and may cause loss of features, limits or stored configurations. The interface will display the applicable treatment.

5.6 Refund standard

Except where required by law or expressly stated at purchase, subscription fees are non-refundable once a billing period begins. We may provide a refund or service credit at our discretion for duplicate charges, verified billing errors, prolonged service unavailability attributable to us, or other exceptional circumstances.

A discretionary refund does not create an obligation to provide future refunds.

5.7 Mandatory consumer rights

Nothing in this Policy limits a cancellation, cooling-off, refund or remedy right that cannot lawfully be excluded. Where digital content begins during a statutory withdrawal period, we may request express consent and acknowledgment concerning loss of a withdrawal right where legally permitted.

5.8 Refund requests

Submit a request within [NUMBER] days of the charge to [SUPPORT EMAIL] and include the account email, invoice or transaction ID, charge date, amount and reason. We may request verification. Approved refunds are returned to the original method where reasonably possible. Processing times depend on the provider.

5.9 Failed payments and chargebacks

If payment fails, we may retry the payment, request an updated method, limit features or suspend access. Before initiating a chargeback, contact support so we can investigate. Fraudulent or abusive chargebacks may result in account restriction, subject to applicable law.

5.10 Separate charges

Subscription fees do not include third-party trading costs, spreads, commissions, financing, custody, conversion, blockchain network fees, taxes, performance-based charges or other amounts unless expressly stated. Any profit-sharing, credit or transaction mechanism must be governed by separate terms and a clear calculation method.

5.11 Price changes

We may change prices prospectively. We will provide notice required by law before the change applies to a renewal. You may cancel before the new price takes effect.

5.12 Contact

Billing support: [SUPPORT EMAIL]