Refund Policy

1. Scope

This Refund Policy applies to fees you pay to Budget Partner HQ ("we", "us") for subscriptions, premium features, or other paid digital services we offer from time to time. It does not cover third-party products (e.g. your bank, card issuer, or app store billing rules beyond our control).

2. Free access

Where the Service or parts of it are offered without charge, no payment is taken and no refund applies. Optional paid upgrades are governed by the terms shown at checkout and this policy.

3. Subscription billing

Paid plans are generally billed in advance for each billing period (e.g. monthly or annually). Unless stated otherwise at purchase, subscriptions renew automatically until you cancel. You can cancel future renewals through your account or billing portal; doing so stops charges after the end of the current paid period.

4. Refund eligibility

Digital services. Because the Service is delivered digitally, refunds are considered on a case-by-case basis and may be limited where you have already received substantial use of the paid period.

• Within 14 days of initial purchase of a new paid subscription (first payment only): you may request a full refund if you have not materially abused the Service and we can verify the purchase. This cooling-off period may not apply where mandatory law provides differently.
• Renewals are generally non-refundable once the new period has started, except where required by law or at our discretion for billing errors or duplicate charges.
• Annual plans: if you cancel mid-term, we may, at our discretion, offer a pro-rata refund for unused whole months or credit toward a future plan—this is not guaranteed unless required by applicable law.

5. Non-refundable situations

We typically do not provide refunds in the following cases:

• Violation of our Terms & Conditions leading to suspension or termination.
• Change of mind after the eligible window, where no billing error occurred.
• Issues caused by your device, network, or third-party integrations outside our reasonable control.
• Fees collected and controlled solely by an app store or payment processor under their policies.

6. How to request a refund

Email or contact us through the support channel listed in the app or on our website. Include your account email, date of charge, and amount. We will respond within a reasonable time (typically within ten (10) business days) and may ask for additional verification to prevent fraud.

7. Processing and timing

Approved refunds are issued to the original payment method where possible. Banks and card issuers may take additional days to post credits to your statement. Currency differences or fees charged by your bank are outside our control.

8. Changes to this policy

We may update this Refund Policy. The "Last updated" date will change; material changes may be communicated by email or in-app notice where appropriate. Continued use of paid features after changes constitutes acceptance unless applicable law requires otherwise.

9. Contact

For refund questions, use the official support contact published in Budget Partner HQ or on our website. We will work in good faith to resolve billing disputes.