1. Money-Back Guarantee

Eligibility Requirements:

• Must be a first-time subscriber to MyOfferHub
• Request must be made within 14 days of initial subscription
• Applies to Basic (£10/month) and Premium (£15/month) plans
• Account must not be suspended or terminated for policy violations

2. Subscription Cancellation

2.1 How to Cancel

You can cancel your subscription at any time through:

• Account Settings: Navigate to Plans & Billing → Manage Billing
• Stripe Customer Portal: Access via the "Manage Billing" button
• Email Request: Contact support@myofferhub.org

2.2 When Cancellation Takes Effect

When you cancel your subscription:

• Cancellation takes effect at the end of your current billing period
• You retain access to paid features until the period ends
• After the period ends, your account reverts to the Free tier
• Your data is preserved - you can resubscribe anytime

2.3 What Happens After Cancellation

3. Refund Policy

3.1 Refundable Situations

Full refunds are provided in the following cases:

• First-time subscription within 14 days (Money-Back Guarantee)
• Duplicate charges or billing errors
• Technical issues preventing access to paid features
• Unauthorized charges to your account

3.2 Non-Refundable Situations

Refunds are NOT provided for:

• Cancellations after the 14-day guarantee period
• Partial month refunds (you pay for the full month)
• Change of mind after the guarantee period
• Lack of usage or inactivity
• Accounts terminated for Terms of Service violations
• Promotional or discounted subscriptions

3.3 Refund Processing Time

Approved refunds are processed within 5-10 business days. The refund will appear on your original payment method. Processing times may vary depending on your bank or card issuer.

4. Plan Changes & Upgrades

4.1 Upgrading Your Plan

When you upgrade from Basic to Premium (or from Free to any paid tier):

• Upgrade takes effect immediately
• You're charged a prorated amount for the remainder of your billing period
• Next billing cycle charges the full amount of the new plan
• New features are unlocked instantly

4.2 Downgrading Your Plan

When you downgrade from Premium to Basic (or to Free):

• Downgrade takes effect at the end of your current billing period
• You retain access to Premium features until the period ends
• No refunds for unused time on the higher plan
• Data is preserved but some features may become read-only

5. Failed Payments & Suspension

5.1 Payment Failures

If your payment fails:

• We'll attempt to charge your card up to 3 times over 7 days
• You'll receive email notifications about failed payments
• Update your payment method in the billing portal to avoid suspension
• Your account will be suspended after 7 days of failed payments

5.2 Account Suspension

During suspension:

• Your offers remain visible to customers
• You cannot create new offers or manage loyalty programs
• After 30 days, your account reverts to Free tier
• No refunds are provided for suspended accounts

6. Annual Subscriptions (Future)

If we introduce annual subscription plans in the future:

• 14-day money-back guarantee applies to annual plans
• After 14 days, annual subscriptions are non-refundable
• You can cancel to prevent auto-renewal, but no partial refunds
• Annual plans typically offer 10-20% savings vs. monthly

7. Free Tier & Trial Periods

7.1 Free Tier

The Free tier is always available at no cost. No refunds apply as no payment is required.

7.2 Trial Periods

Some new users may receive a trial period (e.g., 3 months free):

• No payment is taken during the trial
• Cancel anytime during trial to avoid charges
• After trial ends, subscription begins automatically
• 14-day money-back guarantee applies after trial ends

8. Enterprise Plans

Enterprise plans with custom pricing have separate terms:

• Refund policy outlined in individual contract
• Typically require 30-90 days notice for cancellation
• May include cancellation fees
• Contact your account manager for details

9. Chargebacks & Disputes

Please contact us before filing a chargeback. Chargebacks harm our business and may result in account suspension.

If you have a billing dispute:

• Email us at support@myofferhub.org with details
• We'll investigate and respond within 48 hours
• Most disputes can be resolved quickly and amicably

Accounts with disputed charges may be suspended until resolved. Fraudulent chargebacks may result in permanent account termination.

10. How to Request a Refund

11. Changes to This Policy

We reserve the right to modify this Refund & Cancellation Policy at any time. Material changes will be communicated via email at least 30 days before taking effect.

Your continued use of MyOfferHub after changes take effect constitutes acceptance of the updated policy.

12. Contact Information

For refund requests, cancellations, or billing questions: