Refund & Cancellation Policy
The whole policy in four lines
Cancel any time — no further charges, and you keep the tier until the period you already paid for runs out. Not what you expected? Email us within 14 days of a charge and we refund that charge in full. A full refund ends paid access immediately and returns the account to Free. The Free tier costs nothing, so there is nothing to refund on it.
1. Cancelling
Cancel from your account page or from the Stripe customer portal. Cancellation stops future charges. Your paid tier stays active until the end of the period you have already paid for, and then the account drops to Free automatically — your account, your API keys and your history survive, at Free limits.
We do not pro-rate part-months on cancellation, because you keep the service for the whole period you bought.
2. Refunds
- 14-day window. If a monthly charge did not buy you what you expected, email SFTi.Help@sfti-ai.org within 14 days of that charge and we refund it in full. You do not have to argue a case; tell us the charge date and the account email.
- Outside the window we look at it on the facts — for example a failure on our side, a double charge, or a charge you did not authorise. Write to us and we will answer.
- Service failure. If we withdraw or break something you were paying for, and you cancel because of it, we refund the affected period.
- Free tier — nothing is charged, so nothing is refunded.
Refunds go back to the original payment method through Stripe. Stripe typically returns funds to a card within 5–10 business days; that timing is the card network's, not ours.
3. What a refund does to your access — stated exactly
This is enforced by our billing webhook, not by a promise:
- A full refund of a charge ends paid-tier access immediately. The account is returned to Free and its API keys are re-issued at the Free tier's published allowance the moment Stripe reports the refund. What that allowance is, and whether it includes streaming, is stated on the Shop page, which reads it live from our billing system — this page does not restate it, because a quota written twice is a quota that can disagree with itself.
- A partial refund does not change your tier. You keep the access you are paying for.
- A refund does not by itself cancel the subscription. If you want the subscription to stop, cancel it in your account page or the Stripe portal — or ask us and we will cancel it with the refund.
4. Failed payments
If a renewal payment fails, the paid tier ends and the account returns to Free at that moment. There is no grace period — we do not serve a paid tier that is not being paid for. Nothing else is lost: your account, your keys and your history stay, at Free limits.
It restores itself. Update the card in the billing portal and the tier and its key limits come back automatically the moment a payment succeeds. You do not need to buy anything again and you do not need to contact us.
5. Disputes and chargebacks
Please email us before opening a chargeback — a refund is faster than a bank dispute, and we do not penalise anyone for asking for their money back. If a dispute is opened, or is decided against us, the money has left our hands, so the paid tier ends and the account returns to Free in the same way a full refund ends it.
6. Price changes
If we raise the price of a tier you are on, we tell you before it takes effect and you can cancel before the new price is charged. If a new price is charged without that notice, it is refundable in full.
7. Contact
StatikFinTech, LLC
Billing and refunds: SFTi.Help@sfti-ai.org
Direct: Daniel.Morris@sfti-ai.org
Phone: +1 (785) 443-6288
This policy sits alongside the Terms of Service.