Subscription, Billing & Refund Policy

1. Subscription Tiers and Quotas

Our Service offers the following subscription plans:

2. Billing Cycle and Payment

• Billing occurs monthly or annually, depending on the chosen plan.

• Annual subscriptions are billed fully upfront.

• Automatic Renewal: Subscriptions automatically renew at the end of each billing period unless canceled.

• Payment Methods: Credit card, debit card, SEPA bank transfer via Stripe.

• Billing currency:

  • EUR for EU customers

  • USD for US customers

3. Payment Processor

• Payments are processed securely through Stripe.

• Stripe manages card tokenization and recurring subscription logic.

• Invoices are generated automatically through Stripe for every billing event.

• Payment failures trigger:

  1. 3-day grace period

  2. Stripe retries payment according to its default schedule

  3. Users can update payment methods during the retry period

  4. Unresolved failures lead to subscription suspension and eventual cancellation

4. Price Changes

• We reserve the right to change subscription pricing.

• Users will receive at least 30 days’ prior notice via email before new pricing takes effect.

• Price changes apply from the next billing cycle.

5. Cancellation

• Users may cancel their subscription at any time.

• Cancellation takes effect at the end of the current billing cycle.

• Unused quota does not roll over. Access remains until the end of the paid period.

6. Refunds

6.1 EU & German Consumer Withdrawal (14-Day Cooling-Off Period)

• EU/German consumers may cancel within 14 days after purchase unless they waive the right at checkout.

• If the withdrawal right is not waived:

  • Users may cancel within 14 days

  • Refunds are pro-rata based on unused chart quota

  Example: If you used 90 of 100 charts → 10% unused → 10% refund issued.

• If the withdrawal right is waived:

  • Immediate access begins

  • No statutory withdrawal refunds apply

  • Users may still cancel future billing periods at any time

6.2 Post-14-Day or Non-EU Refunds

• After the initial 14-day period, or for non-EU customers, subscriptions are non-refundable for partially used periods.

• Discretionary refunds: We may issue partial or full refunds at our discretion for technical issues or accidental purchases.

• Plan downgrades do not trigger refunds for the current billing period.

7. Invoicing & Tax Handling

• Invoices include company name, address, VAT ID, and transaction details.

• EU customers: VAT charged per OSS/MOSS rules based on customer location. EU business customers must provide VAT ID for reverse-charge eligibility.

• US customers: No sales tax applied unless required by local law.

• Billing currency: EUR for EU, USD for US.

8. Upgrades & Plan Changes

• Upgrades or downgrades take effect from the next billing cycle.

• Quota is adjusted according to the new plan from that cycle onward.

• Refunds for current cycle are not provided.

9. Access During Withdrawal Period

• If EU consumers do not waive their withdrawal rights, full access is granted immediately.

• Refunds for early withdrawal are calculated pro-rata based on unused quota.

10. Disputes and Chargebacks

• Users should contact support before initiating disputes or chargebacks.

• Support will respond within 7 business days.

• Unauthorized chargebacks may temporarily suspend access until resolved.

11. Company Details

• Business Name: Johannes Zwilling — Sole Proprietorship (Einzelunternehmer / Kleingewerbe)

• Address: Wirichsbongardstr. 79, 52062 Aachen, Germany

• VAT ID: DE327047062

• Trade Register: IHK Nord Westfalen 1594319

• Email: info@financialsvisualized.com

• Phone: +49 151 56920851

• Responsible Person: Johannes Zwilling