Refund and Cancellation Policy

01Merchant of record

• On your card or bank statement the charge appears as "Paddle" or "Paddle.net", not as "JPSPINTO", "JP Pinto Stocks" or "Virtuous Audacity". If you see a charge from Paddle you do not recognise, it may be this subscription — please check with us before disputing it with your bank.
• Paddle issues all invoices and receipts. Your receipt arrives by email from Paddle at the time of each charge and contains your order reference. Keep it: you will need that reference for any refund request.
• Paddle's own terms and refund policy also apply to your purchase, in addition to this policy. Where Paddle's terms grant you a right that this policy does not, Paddle's terms apply.
• Refunds are processed by Paddle. We authorise them; Paddle executes them and returns the money to your original payment method.

02Subscription terms

• Subscriptions are billed in advance, at the start of each billing period, for the period that follows.
• Billing is annual, on the same day of the year as your original purchase. Where a year has no matching day — 29 February — the charge falls on the last day of that month.
• Subscriptions renew automatically for a further period at the end of each period, and continue to renew until you cancel. There is no minimum commitment beyond the current period.
• Prices are shown on the home page. That page is the single source of truth for pricing; no figures are repeated here. Prices there are stated net of tax — VAT or sales tax is added where applicable, so the amount charged may be higher than the figure shown. The exact total in your currency, including any tax, is confirmed at checkout before you pay.
• Where a price changes, the new price applies from your next renewal, and you will be notified in advance so you can cancel before it takes effect.

The annual plan is the only plan offered. It is billed once a year in advance and renews annually on the same terms. Where an introductory price applies to the first year, the renewal price is the standard annual price shown on the home page, and it is stated there before you buy.

03Cancellation

You can cancel at any time, without giving a reason. There are two ways to do it.

• Use the manage-subscription link in your Paddle receipt. Paddle emails you a receipt for every charge, and each one contains a link to manage or cancel the subscription directly. This is the fastest route and does not require us to do anything — use it if you have the email.
• Or email billing@jpintostocks.com from the address on your account, asking us to cancel. We action it and confirm by email. Include your Paddle order reference if you have it, though we can find the subscription without it.

Either route works. If you cannot find a receipt, email us — we will not make you hunt for it.

Once you cancel:

• Your access continues until the end of the period you have already paid for. Cancelling does not cut off access immediately.
• No further charges are made. The subscription does not renew.
• There is no partial refund for the unused remainder of the current period. Cancelling mid-period stops the next charge; it does not refund the days remaining in the period you are in. Refunds are governed by section 04.

04Refunds

How to request a refund

1. Email billing@jpintostocks.com from the address you used to subscribe.
2. Include your Paddle order reference. It is in the receipt Paddle emailed you at the time of the charge.
3. Say briefly what you are asking for. A reason is not required within the 14-day window, but it helps us fix whatever went wrong.

You may also request a refund directly from Paddle, as merchant of record, using the contact details on your receipt.

How long it takes

• We acknowledge refund requests within 2 business days and decide within 5 business days of receiving the request.
• Once approved, Paddle processes the refund within 5 business days to your original payment method.
• Your bank or card issuer then takes a further 5 to 10 business days to show the money in your account. That last step is outside our control and outside Paddle's.

Your statutory right of withdrawal (EU/EEA consumers)

If you are a consumer resident in the European Union or the EEA, EU consumer law gives you a right to withdraw from a distance contract within 14 days of entering into it, without giving any reason. This is a legal right, separate from and additional to the commercial policy set out above.

For digital services there is one important qualification. Where you ask for the service to begin immediately — which is what happens when you subscribe and get access straight away — and you expressly acknowledge that you will lose the right of withdrawal once the service has been fully performed, that right can be lost. Where the service has only been partly performed, you may be asked to pay for the portion already supplied.

In practice, our 14-day refund policy above is designed to give you the same outcome as the statutory right, without argument about whether it technically applies. If you want to exercise the statutory right specifically, say so in your email to billing@jpintostocks.com and we will treat it as such.

05Failed payments

If a renewal charge fails — an expired card, insufficient funds, a bank block — this is what happens:

• Paddle retries the charge automatically over the following days, and emails you each time a retry fails.
• Your access continues during the retry period. You are not cut off at the first failure.
• If every retry fails, the subscription is suspended and access to the service stops. Nothing is deleted at this point.

Restoring access

• During the retry period: update your card using the payment link in Paddle's email, or the update-payment-method link in any Paddle receipt. The next retry then succeeds and nothing else is needed.
• After suspension: subscribe again from the site with a working payment method. Access is restored as soon as the payment clears.
• If you get stuck at either step, email billing@jpintostocks.com.

06Contact

07Company identification