Refund Policy

A Pay-Per-Stock purchase unlocks permanent, full access to one ticker's analysis across all investor frameworks. Because access and the underlying analysis are delivered immediately and in full at the moment of purchase, Pay-Per-Stock purchases are non-refundable, except in the case of:

• A duplicate or erroneous charge (e.g., you were charged twice for the same ticker).
• A verified billing or technical error on our part that prevented you from accessing the analysis you paid for.

To request a refund under one of these exceptions, email support@valuo.tech with your account email and the ticker/date of the charge.

You can cancel your Pro subscription at any time from Settings → Billing. When you cancel, your Pro features (unlimited analyses within plan limits, watchlists, alerts) remain active until the end of your current billing period — you will not be charged again after that period ends.

We do not provide prorated refunds for the unused portion of a billing period when you cancel mid-cycle — this matches standard SaaS practice: you keep access through the period you already paid for.

Placeholder — needs review: annual-plan cancellations, “cooling-off” / right-of-withdrawal periods for digital subscriptions in some jurisdictions (e.g., the EU's 14-day withdrawal right for digital content, which can be waived if the customer consents to immediate performance), and any goodwill/discretionary refund policy for early cancellations should be confirmed with counsel and reflected here before this page is considered final.

• Cancel a subscription: go to Settings → Billing and select “Cancel subscription.”
• Request a refund or report a billing issue: email support@valuo.tech with your account email and order details. We aim to respond within 2 business days.

If you believe you were charged in error, please contact us first at support@valuo.tech before filing a chargeback with your bank or card issuer — most billing issues can be resolved directly and faster this way. All payments are processed securely by Stripe; Valuo does not store your full card details.

We may update this refund policy from time to time. Material changes will be reflected by updating the “Last updated” date above.