Refund Policy

1. How payments and refunds work

Payments for Veyora are processed by Stripe. Veyora Technologies, Inc. never sees or stores your card number. Prices are shown on the pricing page and at checkout.

A refund goes back to the payment method you paid with. Once we issue it, it typically appears on your statement within 5 to 10 business days, depending on your bank or card issuer. A refund is issued in the currency of the original charge. We do not refund bank fees, foreign-transaction fees or exchange-rate differences your bank applied, because we never received them. If the payment method you used can no longer accept a refund, tell us and we will work out another way to return the money to you.

Where tax was charged, whether it was added at checkout or included in the displayed price, the tax is refunded together with the charge.

A payment we cannot fulfil. If a payment is taken but we cannot fulfil it because the billing location is unsupported or cannot be verified, we record it for support review and refund it in full once it is confirmed that it cannot be fulfilled. Contact hello@veyora.ai about the charge. A confirmed unsupported location stops that subscription's future charges. Correcting your address does not itself issue a refund or grant a previously rejected purchase; support handles that payment separately. Account deletion does not remove this right.

2. When a subscription charge is refunded

Cancelling. You can cancel at any time from Settings, Plan & billing. Cancellation is complete as soon as you confirm it in the product; you do not need to write to us. Cancelling stops future charges. Your paid access continues until the end of the period you have paid for, your account then moves to the Free plan, and the current period is not refunded. You can undo a cancellation at any time before it takes effect, in which case nothing is charged and nothing is refunded.

Your first payment. If a charge is the first subscription payment made on your Veyora account, you may ask for a full refund of that payment within 14 days of the charge, whether or not you used the service in those days. Email hello@veyora.ai from the email address on your account. We refund the payment in full, cancel the subscription and your account returns to the Free plan.

Renewals. A renewal charge is refundable if you ask within 7 days of the renewal and you have not used any credits granted since the renewal. Once a credit granted since the renewal has been used, the renewal is not refundable.

Upgrades. An upgrade takes effect immediately. Stripe calculates the difference for the rest of the period and charges it at the time of the change; if that payment cannot be taken, the plan does not change. That amount is part of the price of the plan you moved to, not a refund, and it is not refundable on its own.

Downgrades and pauses. A downgrade takes effect at the end of the paid period. A pause takes effect at the end of the paid period. There is no partial refund for the remainder of the period in either case. While paused, your account is on the Free plan. Purchased credits are kept while a subscription is paused. Resuming a paused subscription starts a new paid period and is charged at once. For this policy that charge is a renewal, and the Renewals rule runs from the day it is charged.

Failed payments. If a renewal payment fails, you keep paid access for up to 7 days while the payment provider retries. If no retry succeeds, your account moves to the Free plan; if the provider then ends the subscription, you can start a new one from Settings, Plan & billing. Nothing is deleted. Nothing is charged until a retry succeeds. When a retry succeeds, that charge is the renewal for the period, and the Renewals rule runs from the day the retry succeeded, not from the original renewal date.

Declining a change to the terms. If we change the Terms of Service in a way that matters and you do not agree to it, cancel your subscription from Settings, Plan & billing and email hello@veyora.ai within 30 days after the change takes effect, saying that you are cancelling because of it. We refund the part of the period you had paid for that falls after the change took effect, pro rata by days, together with the tax on that part. Credits you had already used are not refunded, and purchased credits stay in your account.

A plan arranged by contact, such as Enterprise, is governed by the agreement made with you. Where that agreement says nothing about refunds, this policy applies.

3. When a credit pack is refunded

A credit pack is a one-off purchase. It is refundable in full within 14 days of purchase if none of the pack's credits have been used. Once any credit from the pack has been used, the pack is not refundable under this rule. If you are a consumer in the European Union or the United Kingdom, your right of withdrawal applies to a pack as well; see Your statutory rights.

Purchased credits never expire, so an unused pack keeps its value for as long as your account exists. Included credits are granted each calendar month, whatever your billing period. Included credits are spent before purchased credits, and included credits you have not used expire with the calendar month that granted them.

Credits have no cash value and are not money. Outside the rules on this page they are not refundable, transferable or redeemable.

4. What we always refund

We refund the following without a time limit on your request, once we have confirmed what happened:

• Duplicate charges. If you were charged twice for the same thing, we refund the duplicate.
• Charges made in error by us. If we charged you for something you did not buy, or charged the wrong amount, we refund the error.
• Extended unavailability. If Veyora was unavailable to you for more than 72 consecutive hours because of a fault on our side, as our own service records show, we refund the part of the period you could not use, together with the tax on that part. A delay in market data that the product marks as delayed is not unavailability.

5. What we do not refund

• Market outcomes. Veyora is a research product. It shows market data and the assistant discusses markets; it does not trade for you, hold your funds, place orders or tell you what to trade. A loss on a prediction market, a trade you made after reading an answer, or dissatisfaction with a trading result is not a reason for a refund.
• Credits you have used. A credit is spent when the assistant does the work you asked for, and when you press a news refresh past your plan's monthly count, at the price the product shows you before the press. Credits spent on answers you received or refreshes you ran are not refundable, whether or not you found the result useful or agreed with the assistant's view.
• Accounts closed for breach. If we close your account for breaking the Terms of Service, no refund is owed for the remaining part of the period or for unused credits.

Market data can be delayed, and the product marks it "delayed" when it is. The assistant is an AI model: it may hold a view, and it can be wrong. Each answer shows which sources it consulted and how fresh they were. Delays, outages shorter than 72 hours, and an answer you disagree with or that turns out to be wrong are covered by the Terms of Service and do not by themselves create a right to a refund.

6. What a chargeback does to your account

If you think a charge is wrong, you may contact support. Contacting us is not a condition of exercising your bank dispute or other legal rights.

An actual disputed payment can remove still-unused purchased credits in proportion to the disputed amount. Already spent credits are not a debt and your balance does not go below zero. Unused credits returned from in-progress work remain subject to the reversal. If the dispute is won, only credits actually removed are restored, excluding amounts still refunded or subject to another dispute. A bank inquiry alone does not reverse credits; a dispute alone does not automatically ban the account.

7. Deleting your account is not a refund

You can delete your account at any time from Settings, Account. Deletion needs a sign-in within the last 15 minutes. A live subscription is cancelled at Stripe immediately, before the account is removed, and deletion is refused if that cancellation cannot be confirmed.

Deleting your account does not refund the remaining part of the current period or any unused credits, unless one of the rules above applies. Account deletion does not waive refund rights. After deletion, contact us with the original account email and receipt reference; we use retained transaction evidence to verify ownership without asking for full card details. The refund itself goes back to the payment method you paid with.

If deletion fails after the cancellation. If the deletion itself fails after the subscription was cancelled, your account stays, on the Free plan, and your paid period has ended early through no fault of yours. Tell us, and we refund the part of the period you had paid for that came after the cancellation, pro rata by days, together with the tax on that part.

8. Your statutory rights

Enrollment is US-only. If mandatory European Union or United Kingdom consumer law nevertheless applies to your purchase, you have the right to withdraw from a paid subscription or a credit pack within 14 days of the day you bought it, without giving a reason. To withdraw, tell us in a clear statement before the 14 days end. Email hello@veyora.ai from the email address on your account, or use the matching door on the contact page. You may use this wording: "I hereby give notice that I withdraw from my contract for the following service: [subscription or pack], ordered on [date], by [your name and account email]." It is enough to send the statement before the deadline. We confirm receipt by email without delay, and we refund within 14 days of receiving your notice.

Paid features of Veyora start working the moment your payment succeeds. Where the law allows us to deduct a proportionate amount for service already provided before you withdrew, we calculate it at the price you paid: for a subscription, by the days of the period already used; for a credit pack, by the credits already used at the price per credit you paid for that pack, so the credits you did not use are refunded. The first-payment rule on this page gives you at least as much as that right does for a first subscription charge.

The rules on this page are in addition to your rights under law, not in place of them. Nothing here limits a right that consumer law where you live gives you and does not allow us to exclude.

9. How to request a refund

1. Email hello@veyora.ai from the email address on your account, or use the matching door on the contact page.
2. Include the date of the charge and, if you have it, the amount. Both are on the invoice for that charge, which you can open from Settings, Plan & billing.
3. Tell us which rule on this page you are asking under, if you know it. If you do not, describe what happened.

We reply within 5 business days, and we will ask if we need more detail. Refunds are decided by Veyora Technologies, Inc. in line with this policy and issued through Stripe to the payment method you paid with. We confirm by email when a refund has been issued.

If you disagree with our decision, tell us and we will look at it again. If we still cannot agree, the disputes process in the Terms of Service applies, and nothing in this policy limits a right that consumer law where you live gives you.

10. Which version applies to a charge

The version number and effective date of this policy appear at the top of the page. When we change it, the new version applies to charges made on or after its effective date. Charges made before that date are covered by the version that was in force when you paid.

When a change matters to you, the same rule as in the Terms of Service applies. We tell you at least 14 days before it takes effect, by email to the address on your account, in the product, or both. A change the law requires may take effect immediately. Our handling of your personal data is described in the Privacy Policy.

11. Contact

Veyora Technologies, Inc., the company behind Veyora, answers questions about a charge or this policy. You may contact us about a charge without giving up any right to dispute it with your bank.