Payment policy
This Payment Policy describes how Margin Monkey, LLC ("Margin Monkey," "we," "us," or "our") bills, renews, and processes payments for its subscription services (the "Services"), and how refunds, price changes, and payment disputes are handled. This Policy is incorporated into, and should be read together with, our Terms of Service.
1. Accepted Payment Methods
We accept payment by major credit and debit cards, and, where applicable, through the billing systems of the Apple App Store or Google Play (for subscriptions purchased within our mobile applications). All payments are processed in U.S. dollars unless otherwise stated at checkout.
2. Payment Processing
Card payments made directly through the Website are processed by our third-party payment processor (e.g., Stripe). Margin Monkey does not store your full payment card number on its own servers; your payment information is collected and stored directly by our payment processor in accordance with its own security standards and privacy policy. Subscriptions purchased through a mobile app store are billed and managed by that app store under its own payment terms, which govern in the event of a conflict with this Policy as to that purchase.
3. Subscription Billing and Auto-Renewal
Subscriptions are billed in advance on a recurring basis (monthly or annual, as selected at checkout). Unless canceled prior to the renewal date, your subscription will automatically renew for an additional period of the same length, and we (or the applicable app store) will charge your payment method on file the then-current subscription price.
- You will be charged on the date you initially subscribe, and again on each renewal date thereafter, until you cancel.
- It is your responsibility to keep your payment method current and up to date; a failed renewal charge may result in suspension of access to Premium Services until payment is resolved (see Section 6).
4. Free Trials and Promotional Pricing
If we offer a free trial or a discounted introductory price, your subscription will automatically convert to a paid subscription at the then-current standard price at the end of the trial or promotional period, unless you cancel before it ends. We will disclose the length of any trial period and the price that will apply after conversion at the time you sign up.
5. Price Changes
We may change the price of any subscription plan from time to time. For an active subscriber, a price change will take effect no earlier than your next renewal date, and we will provide advance notice of the new price (by e-mail or through the Services) before it is charged. Continuing to use the Services, or not canceling, after the effective date of a price change constitutes acceptance of the new price.
6. Failed Payments and Suspension
If a renewal payment fails (for example, due to an expired or declined card), we may attempt to charge your payment method again over a reasonable period, and may send you a notice requesting updated payment information. If payment is not successfully completed within 7 days of the failed attempt, we may suspend or downgrade your access to Premium Services until the outstanding balance is paid or the subscription is canceled.
7. Cancellations
7.1 How to Cancel
You may cancel your subscription at any time through your account settings on the Website, or, for subscriptions billed through a mobile app store, through that app store's own subscription management tools. Cancellation takes effect at the end of the current billing period; you will continue to have access to Premium Services through the remainder of the period you already paid for.
7.2 Effect of Cancellation
Canceling stops future renewal charges but does not, by itself, entitle you to a refund of amounts already paid for the current billing period, except as described in Section 8.
8. Refunds
Except as set out below or as required by applicable law, all subscription fees are non-refundable, including for partial subscription periods, unused Premium Services, or a decision to stop using the Services before the end of a billing period.
- New annual subscribers may request a full refund within 30 days of the initial purchase by contacting marginmonkey@gmail.com; this introductory guarantee applies only to a subscriber's first annual subscription and does not apply to renewals.
- Subscriptions purchased through the Apple App Store or Google Play are subject to that app store's own refund policies and procedures; refund requests for those purchases must be submitted to Apple or Google directly, as Margin Monkey does not have the ability to issue refunds for app-store billed transactions.
- We may, at our discretion, issue a refund or credit outside of the above circumstances, such as in the case of a billing error attributable to Margin Monkey.
9. Taxes
Subscription prices are exclusive of any applicable sales, use, value-added, or similar taxes, unless expressly stated otherwise. Where required by law, applicable taxes will be calculated and added at checkout based on your billing address, and you are responsible for payment of all such taxes.
10. Chargebacks and Payment Disputes
If you believe you have been billed in error, please contact us at marginmonkey@gmail.com before initiating a chargeback with your card issuer or bank, so that we have an opportunity to investigate and resolve the issue directly. Initiating a chargeback for a legitimately authorized charge, or continuing to use the Services after a successful chargeback without settling the underlying balance, may result in suspension or termination of your account under our Terms of Service, and we reserve the right to pursue collection of amounts owed.
11. Currency and International Cards
All prices are stated and charged in U.S. dollars. If your card or account is denominated in a different currency, your card issuer or bank may apply a currency-conversion rate and, potentially, a foreign-transaction fee; Margin Monkey is not responsible for any such fees charged by your bank or card issuer.
12. Commercial and API Licensing Fees
Fees for API access or commercial data licenses, where applicable, are governed by the specific licensing tier and payment terms agreed to at the time such a license is purchased, in addition to the general terms of this Payment Policy where not inconsistent with those specific terms.
13. Changes to This Policy
We may update this Payment Policy from time to time. If we make material changes, we will provide notice, such as by posting an updated version on the Website or sending an e-mail to the address associated with your account, before the changes take effect.
14. Contact Us
Questions about billing, payments, or refunds may be directed to marginmonkey@gmail.com or Margin Monkey, LLC, [address to be inserted].
