Billing, Automatic Renewal & Refund Policy

01The terms, up front

California law requires the renewal terms of a subscription to be presented clearly and conspicuously before you consent to them. So they are here, first, before anything else in this document.

By subscribing you give affirmative consent to these automatic renewal terms specifically, not merely to the Terms of Service generally — the subscription screen carries its own tick box for exactly this, separate from the one at signup.

What you receive by email. Stripe, our payment processor, emails you a receipt for every charge, a reminder before the first charge at the end of the trial, and a notice if a payment fails. Those come from Stripe rather than from us. This page is the durable record of the renewal terms themselves and of how to cancel; it is versioned and dated at the top, and we do not change it retroactively. If you want the terms in a form you can keep, this page prints.

02The 7-day trial, and what happens at the end of it

A subscription starts with 7 days of the complete paid product. Not a limited version, not a demo: the same engine, the same live market data, the same rulebooks, on your own instruments. Your card is authorised when you subscribe and not charged during those days.

Three things make that fair rather than merely disclosed, and we hold ourselves to all of them:

• You are told the date. The exact first-charge date is shown on the subscription screen before you enter a card, not calculated from a duration you have to remember.
• You are reminded before it happens. Stripe emails you ahead of the first charge, to the address on your account.
• Cancelling during the trial costs nothing. One click, at any hour, and no charge is ever made. You are not asked why.

If you cancel — during the trial or later — your account drops to the free plan. It is not closed and nothing is deleted. Your analyses, journal, watchlists and settings remain, export keeps working, and the free plan continues to run the same engine on the same live data with a daily analysis allowance rather than a reduced feature set. Subscribing again picks up where you left off.

This clause is also the reason the refund policy in clause 4 can be as firm as it is. You get the entire product, on your own charts, before any money moves — so nothing about the paid plan is a surprise that could only be discovered after paying.

03Charges, taxes and failed payments

Payment processing. Payments are processed by Stripe. We never receive, store or have access to your full card number. Stripe’s handling of your payment data is governed by its own terms and privacy policy; what we receive is a customer reference, the last four digits, the card brand and the expiry.

Currency. Prices are in US dollars. Your bank may apply a conversion rate and a foreign transaction fee, which are between you and your bank.

Taxes. Prices exclude tax. Where we are required to collect sales tax, VAT, GST or similar, it is calculated at checkout based on your billing location and added to the price. You are responsible for providing an accurate billing address, and for any tax arising from an inaccurate one.

Failed payments. If a charge fails we will retry over several days and email you. If it continues to fail, your subscription is suspended and your plan reverts to the free tier. Your data is not deleted and your records remain intact; you regain paid access as soon as a payment succeeds.

Chargebacks. If you dispute a charge with your bank rather than contacting us, we may suspend the account pending resolution. We would much rather you emailed billing@tryorin.xyz — a chargeback costs us a fee and costs you your account for the duration, and in most cases the underlying issue is something we can simply fix.

04No refunds

Cancelling stops the next charge. It does not reverse the current one, and you keep full access until the period you have paid for ends. We do not shorten it as a penalty for cancelling.

There are exactly three exceptions, and they are not discretionary:

• A billing error by us. If we charge the wrong amount, charge twice, or charge after a valid cancellation, we refund it in full without argument. Tell us at billing@tryorin.xyz.
• We stop providing the Service. If we discontinue the Service, or terminate your subscription for any reason other than your breach, we refund the unused portion of any prepaid fee on a pro-rata basis.
• A statutory right that cannot be waived. Described in clause 5 below.

We are aware this is stricter than most. It is stated plainly rather than buried, the 7-day trial means nobody has to buy in order to find out, you are reminded before the first charge lands, and cancelling takes one click at any hour without speaking to anyone. Those four things are what make a firm policy fair rather than merely firm.

05EU and UK consumers: the 14-day withdrawal right

If you are a consumer resident in the European Union, the EEA or the United Kingdom, you have a statutory right to withdraw from a distance contract within 14 days without giving a reason and without penalty. That right exists independently of anything in clause 4 and we do not attempt to exclude it.

How it interacts with immediate access. ORIN is digital content supplied immediately on purchase. Under Article 16(m) of the Consumer Rights Directive — and regulation 37 of the UK Consumer Contracts Regulations — the withdrawal right is lost for such content only where you have expressly consented to supply beginning before the withdrawal period expires and acknowledged that you thereby lose the right.

So we ask for both, separately and explicitly, at checkout:

• a tick box requesting immediate access to the paid features rather than access in 14 days;
• a distinct acknowledgement, in plain words, that ticking it means you lose the 14-day right to change your mind.

If you did not tick it — because you were not shown it, or you declined it — the right is unaffected. You may withdraw within 14 days of the contract being concluded, by any clear statement to billing@tryorin.xyz, and we will refund all payments received within 14 days of being informed, using the same payment method.

Nothing else is affected. Your statutory rights in respect of services that are not as described, not supplied with reasonable care and skill, or not fit for a purpose you made known to us, are unaffected by any part of this document.

06How to cancel

Settings → Subscription → Manage subscription → Cancel. The manage button opens Stripe's billing portal, where cancelling is one click. It is available whenever the Service is, it does not route you through a retention offer, it does not require you to email anyone, phone anyone, or explain yourself, and no further charge is made once it is done.

Stripe shows the cancellation on screen and records it against your subscription, and the Subscription screen in ORIN then shows the date your access ends. Cancelling during the trial means no charge is ever made at all. If the screen does not reflect a cancellation you believe you made, contact billing@tryorin.xyz and we will treat it as effective from the date you first attempted it.

If for any reason the in-app control is unavailable, an email to billing@tryorin.xyz saying you wish to cancel is sufficient and effective on receipt. We will not require any other step.

Your data after cancelling. Cancelling does not delete anything. Your account reverts to the free plan with its daily allowance, and your analyses, journal, watchlists and settings remain. You can export everything at any time from Settings, and delete the account outright if you want to. You are not asked to go through onboarding again if you come back.

07Changes to prices and to this policy

We may change subscription prices or this policy. Any change to price, to renewal terms, or to the refund position takes effect only at your next renewal and only after at least 30 days’ notice sent by email to the address on your account.

That notice will state the current price, the new price, the date it takes effect, and how to cancel before it does. If you cancel before the effective date you are never charged the new amount. Continuing past it is acceptance.

We do not change the price of a period you have already paid for, and we do not apply a change retroactively.

08Billing contact

Anything about a charge, a renewal, a cancellation or a refund: billing@tryorin.xyz. We aim to reply within one business day.

California residents may also report a complaint to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or on (800) 952-5210.