Refund Policy

This Refund Policy explains how refunds work for paid subscriptions to myFamilyBudgetTracker (the “Service”). All payments are processed by Paddle.com, Inc. (“Paddle”), our authorized Merchant of Record. Refunds, where granted, are processed back to your original payment method by Paddle.

1. Free Tier

The Free tier is free. There is nothing to refund.

2. Pro Tier (Bring Your Own Key)

Pro is a recurring monthly or annual subscription. You may cancel at any time from Settings → Billing or via the customer portal Paddle provides. Cancellation stops future renewals; we do not refund the current billing period after it has been charged. You retain access to Pro features until the end of the period you have already paid for.

3. Family / Premium Tier (Managed AI, with 7-Day Trial)

The Family/Premium plan includes a 7-day free trial. A valid payment method is required to start the trial, but you are not charged during the trial period.

• Cancel before the trial ends → no charge.
• Do not cancel before the trial ends→ your payment method is charged automatically on day 8 for the first billing period.
• Cancel after being charged→ the subscription stops renewing, but we do not refund the current billing period. You retain access until the period ends.

4. Discretionary Refunds

We may issue refunds outside the policy above on a discretionary, case-by-case basis where, for example:

• You were charged due to a billing error on our part.
• The Service was unavailable for a significant portion of the period and the outage was within our control.
• You were charged after cancelling and we have proof of the cancellation.

To request a refund under this section, contact us within 14 days of the charge at support@myfamilybudgettracker.com with your account email and a brief description of the issue.

5. Statutory Refund Rights

Nothing in this policy limits any non-waivable statutory refund right you may have under applicable consumer-protection law (for example, some U.S. states or jurisdictions outside the U.S. provide a cooling-off period for digital purchases). Where such rights apply, they prevail over this policy.

6. How Refunds Are Processed

Approved refunds are processed by Paddle to the original payment method used at checkout. Bank processing times vary; refunds typically appear within 5–10 business days. We do not control the speed of your card issuer or bank.

7. Chargebacks

If you believe a charge is incorrect, please contact us first — we resolve almost all billing issues directly. Filing a chargeback with your bank without first contacting us may result in your account being suspended pending resolution of the dispute.

8. Contact

For refund requests or billing questions, email support@myfamilybudgettracker.com from the email address on your account. See also our Terms of Service and Contact page.