Most software companies bury this. We'd rather just be honest. Here's exactly when you get a refund, when you don't, and how to ask.
FinTrack is a monthly subscription at USD $4.99 / CAD $6.99 per month. By default, when you cancel partway through a month, you keep access until the end of the month you've already paid for, and we don't issue a pro-rated refund for the unused portion.
This isn't because we're stingy. It's because:
That said, we make exceptions all the time — see the next section.
Rare, but Stripe webhook delays can cause it. Email us — unconditional refund, no questions.
Two charges for the same month, or a charge after account deletion. Unconditional refund.
Specifically: you haven't asked Money Coach more than a couple of questions, scanned a receipt, or imported a CSV that month. Email us within 14 days. We'll generally make it right.
If a bug we caused prevented you from using the app for more than a few days in a billing month, write to us with details. We're happy to refund or credit the affected period.
Lost your job, medical emergency, life thing. Just ask. Most of these get refunded.
The AI Money Coach + receipt scanner have real per-use cost to us. If you've used them substantially, we typically can't refund the month — but we'll always cancel future charges immediately on request.
We'll cancel future charges right away (or you can do it in Settings → Billing yourself). Past months are usually not refundable — but if it's been a long time and you genuinely never logged in, write us and we'll look at the case.
Email help@fintrack.app. To make it fast, please include:
We aim to respond within 12 hours on business days. Refunds, once approved, take 5-10 business days to appear on your statement — that's Stripe's processing window, not ours.
Settings → Billing → Cancel subscription. Two clicks, no retention call, no refund request needed because no future charges will happen.
If you dispute a FinTrack charge with your card issuer (a "chargeback") instead of emailing us, we'll be told by Stripe. We'll honor the chargeback. We'd just gently encourage you to email us first — it's faster for you, and it doesn't add a dispute to our processor record.
If chargebacks are filed in bad faith (e.g., to extract a free month of service), we may close the account and add the canonical-email hash to our no-trial list. See our Terms of Service §10.
Every account starts with a 14-day free trial, with all features unlocked, no card required up front. There's nothing to refund during the trial because we don't charge you anything.
You only enter a payment method if you choose to continue past day 14. See our trial mechanics page for the full breakdown.
Nothing in this Refund Policy limits any consumer-protection rights you have by law. If you're a Quebec resident, your rights under the Consumer Protection Act apply. If you're elsewhere in Canada, applicable provincial law applies. If you're in the EU or UK, your right to withdraw from a distance contract within the cooling-off period applies, except where you have already started using the digital service and agreed to waive that right at checkout.
If we update this Refund Policy, we'll change the "Last updated" date at the top. Material changes (anything that makes the policy stricter) are announced by email to active subscribers at least 14 days before they take effect.
Email a human at help@fintrack.app — we reply within 12 hours on weekdays.