Valarn Refund Policy

Last Updated: [Insert Date]

This Refund Policy explains how refunds, cancellations, subscription changes, credits, and billing issues are handled for Valarn.

This Refund Policy applies to Valarn’s website, application, AI-generated stock research tools, reports, subscriptions, credits, add-ons, saved research features, and related services.

This policy should be read together with our Terms of Service, Privacy Policy, and General Disclaimer.

1. Overview

Valarn provides AI-generated stock research tools, reports, saved research history, watchlists, alerts, dashboards, and related features through free and paid subscription plans.

Because Valarn provides digital services, AI-generated reports, data access, and usage-based platform features, fees are generally non-refundable except where required by law or expressly stated in this policy.

2. No Financial Performance Refunds

Valarn does not provide refunds based on investment outcomes, trading losses, market performance, report conclusions, AI-generated ratings, or disagreement with a report.

Refunds will not be issued because:

• a stock went down after a bullish report;
• a stock went up after a bearish report;
• a report was neutral or inconclusive;
• the AI stance changed after new information became available;
• market conditions changed;
• a user disagreed with the report;
• a report did not produce profitable investment results;
• a user made a trading or investment decision based on Valarn content.

Valarn is an educational and informational research platform only. It does not guarantee investment returns, market accuracy, or trading success.

3. Subscription Cancellations

You may cancel your subscription through your account settings or by contacting us at:

[Insert Support Email]

Cancellation stops future billing but does not automatically provide a refund for the current billing period.

After cancellation, you may continue to access paid features until the end of your current paid billing period unless otherwise stated or unless your account is terminated for violation of our Terms.

4. Monthly Subscriptions

Monthly subscription fees are generally non-refundable once charged.

If you cancel a monthly subscription, your access will usually continue until the end of the current monthly billing period.

We do not provide prorated refunds for partially used monthly billing periods unless required by law or approved at Valarn’s discretion.

5. Annual Subscriptions

Annual subscription fees are generally non-refundable once charged.

If you cancel an annual subscription, your access will usually continue until the end of the current annual billing period.

We do not provide prorated refunds for partially used annual billing periods unless required by law or approved at Valarn’s discretion.

Valarn may, at its discretion, review refund requests for annual plans submitted shortly after renewal or purchase.

6. Free Trials

Valarn may offer free trials or promotional access.

If a free trial requires a payment method, you may be charged automatically when the trial ends unless you cancel before the trial expiration date.

It is your responsibility to cancel before the trial ends if you do not want to be charged.

Refunds for failure to cancel a free trial are not guaranteed but may be reviewed at Valarn’s discretion.

7. Promotional Plans and Discounts

Promotional plans, discounted subscriptions, coupons, waitlist offers, beta offers, and limited-time deals may have special terms.

Unless expressly stated otherwise, promotional fees are non-refundable.

Promotions may not be combined, transferred, exchanged for cash, or applied retroactively.

8. AI Credits, Report Credits, and Usage-Based Fees

Valarn may offer AI credits, report credits, premium report credits, audio credits, file-processing credits, export credits, API credits, or other usage-based credits.

Unless otherwise stated:

• credits are non-refundable;
• credits have no cash value;
• credits are non-transferable;
• credits may expire;
• unused credits do not roll over;
• credits cannot be exchanged for cash;
• credits may be revoked for fraud, abuse, refund, chargeback, or violation of our Terms.

Credits may be consumed when a report, AI analysis, audio summary, export, data request, API call, or other usage-based action is started, even if the user does not fully review or use the output.

9. Partially Generated or Failed Reports

Valarn uses AI models, third-party data sources, market data providers, and automated workflows. Occasionally, reports may fail, partially complete, time out, or contain formatting issues.

If a report fails due to a Valarn platform error, we may, at our discretion:

• restore the consumed credit;
• rerun the report;
• provide a replacement report;
• provide account credit;
• issue a refund where appropriate.

Refunds or credits are not guaranteed for failures caused by:

• unsupported stock symbols;
• unavailable third-party data;
• market data provider outages;
• AI provider outages;
• user-provided incorrect inputs;
• user network issues;
• browser issues;
• device issues;
• user cancellation during generation;
• violation of usage rules;
• report content the user dislikes or disagrees with.

10. Duplicate Charges

If you believe you were charged more than once for the same subscription or purchase, contact us at:

[Insert Billing Email]

Please include:

• account email;
• charge date;
• amount charged;
• last four digits of payment method, if available;
• invoice or receipt number, if available;
• description of the issue.

If we verify a duplicate charge, we will refund or credit the duplicate amount.

11. Unauthorized Charges

If you believe your payment method was used without authorization, contact us immediately at:

[Insert Billing Email]

You should also contact your bank, card issuer, or payment provider.

Valarn may investigate unauthorized charge claims and may suspend the related account during review.

Refunds for unauthorized charges may depend on the investigation, payment processor rules, and applicable law.

12. Billing Errors

If Valarn identifies a billing error, we may correct it by issuing a refund, credit, invoice adjustment, or other appropriate remedy.

If you believe there is a billing error, you must contact us within 30 days of the charge unless a longer period is required by law.

13. Plan Downgrades

If you downgrade your subscription, the downgrade may take effect immediately or at the end of your current billing period, depending on the platform settings.

Downgrading may reduce access to:

• premium reports;
• saved report history;
• watchlists;
• AI models;
• advanced data feeds;
• alerts;
• calendar features;
• exports;
• storage limits;
• API access;
• usage credits.

Downgrades do not automatically provide refunds or credits for unused time, unused features, or unused credits unless required by law or approved by Valarn.

14. Plan Upgrades

If you upgrade your subscription, you may be charged immediately for the new plan, a prorated amount, or the full upgrade amount depending on billing configuration.

Upgrade charges are generally non-refundable once processed.

15. Account Termination for Terms Violations

If Valarn suspends or terminates your account because you violated our Terms of Service, Acceptable Use rules, security rules, payment rules, or applicable law, you may not be eligible for a refund.

This includes misuse such as:

• scraping;
• account sharing abuse;
• payment fraud;
• chargeback abuse;
• bypassing usage limits;
• reselling reports;
• market manipulation;
• unauthorized commercial use;
• violating financial promotion rules;
• uploading prohibited content;
• using the platform unlawfully.

16. Chargebacks

If you initiate a chargeback or payment dispute, Valarn may:

• suspend your account;
• restrict paid features;
• revoke credits;
• pause report access;
• cancel your subscription;
• contest the chargeback;
• provide records to the payment processor;
• terminate access for repeated chargeback abuse.

Before filing a chargeback, we encourage you to contact us at:

[Insert Billing Email]

17. App Store Purchases

If Valarn is purchased through the Apple App Store, Google Play Store, or another app marketplace, refunds may be handled by that marketplace according to its policies.

Valarn may not be able to directly issue refunds for purchases made through third-party app stores.

You may need to request the refund through the app store where the purchase was made.

18. Enterprise, Team, or Custom Plans

Enterprise, team, institutional, beta partner, or custom plans may be governed by separate agreements, order forms, or contracts.

Refunds for those plans will be handled according to the applicable agreement.

If there is a conflict between this Refund Policy and a signed agreement, the signed agreement controls.

19. Taxes and Fees

Refunds may exclude taxes, processing fees, payment processor fees, currency conversion fees, bank fees, or other third-party charges unless required by law.

If taxes were collected, tax refunds may depend on applicable tax rules and payment processor capabilities.

20. Currency and Exchange Rates

If you paid in a currency other than U.S. dollars, refund amounts may vary due to exchange rates, bank fees, or payment processor conversion fees.

Valarn is not responsible for differences caused by currency conversion or financial institution fees.

21. How to Request a Refund

To request a refund, contact:

[Insert Billing Email]

Please include:

• your full name;
• account email;
• subscription plan;
• charge date;
• amount charged;
• invoice or receipt number, if available;
• reason for the request;
• any relevant screenshots or supporting details.

Submitting a refund request does not guarantee approval.

22. Refund Review Process

Valarn may review refund requests based on:

• account history;
• usage activity;
• report generation activity;
• credits consumed;
• subscription type;
• timing of request;
• billing history;
• promotional terms;
• platform error records;
• payment processor rules;
• applicable law.

We may approve, deny, partially approve, or provide account credit instead of a refund.

23. Refund Method

Approved refunds are generally issued to the original payment method.

If the original payment method is unavailable, expired, or unable to receive funds, we may provide account credit or another method where permitted.

Processing times may vary depending on the payment processor, bank, card issuer, or app store.

24. Abuse Prevention

Valarn may deny refunds or restrict accounts where we detect refund abuse, chargeback abuse, excessive refund requests, promotional abuse, fraud, suspicious activity, or violations of our Terms.

25. Changes to This Refund Policy

We may update this Refund Policy from time to time.

If we make material changes, we may notify users through the website, account notice, email, or other reasonable method.

Your continued use of Valarn after changes become effective means you acknowledge the updated policy.

26. Contact

For billing or refund questions, contact:

Valarn
[Insert Legal Company Name]
[Insert Business Address]
Billing Email: [Insert Billing Email]
Support Email: [Insert Support Email]
Website: https://valarn.com