Refund & Cancellation Policy

Effective date: August 3, 2026

This page covers Points & Prompts Pro — the paid subscription, at $5/month or $48/year. If you're on the free tier, none of this applies to you: there's nothing to cancel and nothing to refund.

The short version. You can cancel anytime. Cancelling stops the next charge and you keep Pro until the end of what you've already paid for. On the annual plan, if it's not for you, ask within 14 days of being charged and we'll refund it in full. The monthly plan isn't refundable — cancel and you simply aren't billed again. Cancelling never deletes your data.

Cancelling

Cancel from within the app, anytime. No email required, no retention flow, no phone call.
Cancelling turns off auto-renewal. You won't be charged again.
You keep full Pro access until the end of the period you've already paid for — the rest of the month on a monthly plan, the rest of the year on an annual plan. After that, your account drops to the free tier.
Changed your mind? Resubscribe anytime. Your wallet and settings will be exactly where you left them.

Refunds

Monthly plans ($5/month)

The monthly plan isn't refundable. Cancel whenever you like and you keep Pro through the end of the month you've already paid for — you're just never charged again.
We're telling you that plainly rather than burying it, because at $5 the sensible thing is to cancel rather than ask. The most that is ever at stake is one month.
Billed in error — a double charge, or a charge after you cancelled? That we refund, always. See below.

Annual plans ($48/year)

Within 14 days of the initial charge or a renewal charge: full refund, no questions asked. Renewals sneak up on people; we'd rather refund one than keep money you didn't mean to spend.
After 14 days: no refund, and you keep Pro until the end of the year you paid for. Then you drop to the free plan and nothing is deleted.

Either plan

If we billed you in error — a double charge, a charge after you cancelled — we'll refund it, full stop, no window.
Refunds go back to the payment method you used, and typically appear in 5–10 business days depending on your bank.

How to request a refund

Email [email protected] from the address on your account, and say which charge you mean. That's it — you don't need to give a reason, though if something in the product drove you off, we'd genuinely like to know.

What happens to your bank connection and data

Cancelling does not delete anything. Your account, wallet, balances, and settings all stay. You just move to the free tier when your paid period ends.
Your bank connection is separate from your subscription. You can disconnect a bank at any time from within the app — subscribed or not — which removes the connection and instructs Plaid to remove its access. We don't disconnect it for you when you cancel.
You can always delete your own data. The Delete Account button is on your profile page, and it works at any time — whether you're subscribed, cancelled, or on the free tier. It's a self-service control: you don't have to ask us. It removes your profile data from our systems, as described in our Privacy Policy. Deleting your account doesn't by itself generate a refund — ask for the refund first if you want one.

Chargebacks

If a charge from us looks wrong, please email us before disputing it with your card issuer — we can almost always fix it faster than a chargeback can, and a chargeback costs us a fee whether or not it's upheld. If a chargeback is filed on a charge we believe was valid, we may suspend the account's Pro access while it's resolved. We won't hold your data hostage over it: your data and the free tier remain available regardless.

Changes to this policy

If we change this policy, we'll update this page and revise the date above. Changes won't take away a refund right you had when you were charged.

Contact

Billing questions and refund requests: [email protected] · pointsandprompts.com