Refund and Cancellation Policy

Version 2 · Effective October 12, 2026

This policy is part of our Terms of Service. Payments are processed by Stripe, which acts as merchant of record through Managed Payments. Where mandatory consumer protection law or Stripe's merchant of record policies give you additional rights, those rights apply in addition to this policy.

1. Free plan and card verification

• The Free plan is never charged.
• To issue a free API key we require a valid payment card. Your bank may display a temporary authorization of a small amount; it is released automatically and is not a charge.
• Because no payment is made, there is nothing to refund on the Free plan.

2. Subscriptions and automatic renewal

• Paid plans are billed in advance for each monthly or yearly period and renew automatically until cancelled.
• For yearly plans, we will send a reminder by email before renewal where required by law.

3. How to cancel

• Cancel any time from your dashboard under Manage billing. No email or phone call is needed.
• Cancellation stops future renewals. Your paid plan stays active until the end of the period you already paid for, then your account moves to the Free plan.
• Deleting your account or API key does not by itself cancel a subscription. Cancel in Manage billing first.

4. Refund eligibility

Situation	Refund
First paid purchase on an account, requested within 7 days of the charge, and fewer than 2,000 API calls made in that period	Full refund
Renewal charges (monthly or yearly)	Not refundable, except where required by law
Partial periods, unused calls, downgrades or cancellation mid-period	Not refundable; access continues until the period ends
Duplicate charge or billing error by us	Full refund of the erroneous amount
Extended outage of the Service caused by us (more than 72 consecutive hours) affecting a paid plan	Prorated credit or refund for the affected days, on request
Account suspended or terminated for breach of our Terms, including abuse, key sharing or fraud	No refund
Delays or unavailability caused by SEC systems, changes to SEC formats or other events outside our control	No refund

Only one first-purchase refund is available per person or organization. We may decline refund requests that we reasonably believe are part of a pattern of abuse.

5. EU and UK consumers

If you are a consumer in the European Union or United Kingdom, you have a 14-day right of withdrawal for digital services. By starting to use a paid plan (including making API calls) during that period, you request immediate performance and acknowledge that you lose the right of withdrawal to the extent the service has been performed. Any refund under this right is proportionate to the unused part of the period.

6. How to request a refund

Email support@secfeedapi.com from your account email with the date and amount of the charge. Approved refunds are issued to the original payment method through Stripe, usually within 5 to 10 business days depending on your bank. Stripe, as merchant of record, may also handle refund and support requests directly.

7. Chargebacks

Please contact us before disputing a charge with your bank; most issues are resolved quickly. If a chargeback is filed for a valid charge, we may suspend the account while the dispute is open, and accounts with chargebacks resolved against them may be terminated.

8. Changes

We may update this policy. Changes apply to purchases made after the effective date shown at the top.