Effective Date: 01-Jan-2021
Last Updated: 01-Jan-2021

This Refund Policy applies to all purchases, subscriptions, and payments made for access to JarvisFlow, operated by Finixis Inc. (“we”, “us”, “our”).

By creating an account, subscribing, or making any payment to JarvisFlow, you agree to this Refund Policy.

---

1. No Refunds

All sales are final.
We do not offer refunds under any circumstances, including but not limited to:

• You forgot to cancel your subscription
• You did not use the product
• You changed your mind
• You misunderstood the service
• You no longer need the service
• You experienced trading losses
• You disagree with data, alerts, or analytics
• You were unable to profit from the service
• The market, exchange, or data providers had downtime

Your purchase grants you access to a digital service that becomes available immediately.
For this reason, payments are non-refundable and non-transferable.

---

2. Subscription Responsibility

You are responsible for:

• Managing your own subscription
• Updating payment methods
• Cancelling before the next billing cycle
• Understanding that subscription fees recur automatically

If you fail to cancel before renewal, the charge cannot be reversed.

---

3. No Prorated Cancellations

We do not provide:

• Partial refunds
• Prorated refunds
• Credits for unused time
• Subscription downgrades with returns

Cancellation stops future charges only.

---

4. Billing Disputes & Chargebacks

If you believe a charge is incorrect, contact us first at:
📧 privacy@finixis.com

Filing an unvalidated chargeback may result in:

• Immediate account termination
• Blocked future access
• Evidence submission to Stripe/PayPal showing acceptance of this policy

We actively dispute chargebacks using billing logs and IP activity records.

---

5. Exceptions Required by Law

Some regions require refunds under specific consumer protection laws.
If local law mandates a refund, we will comply as required by that jurisdiction only, and only if applicable.

---

6. Service Availability

JarvisFlow may experience downtime due to:

• Market data delays
• Exchange outages
• AWS issues
• Network problems
• Third-party provider failures

Such events do not qualify for refunds or credits.

---

7. Contact Us

For billing questions or help managing your subscription, contact:

📧 privacy@finixis.com