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Refund Policy

Last updated: April 23, 2026

This Refund Policy applies to all paid subscriptions to Mosaic Finance ("the Service"), operated by Mosaic Finance ("we", "us", or "our") at mosaicfinance.xyz. By subscribing to a paid plan, you agree to the terms described below.

Summary

  • Every new account receives a 14-day free trial of Pro features. No payment is required to start the trial — this is our primary way to let you evaluate the Service risk-free.
  • Monthly subscribers may cancel at any time; cancellation takes effect at the end of the current billing period.
  • Refund requests on monthly plans are considered within 7 days of the charge if the Service has not been used substantially.
  • Annual plans (if offered) are eligible for a prorated refund within 14 days of the charge.
  • Refunds are issued to the original payment method within 5–10 business days.

1. Subscription Plans

Mosaic Finance currently offers two paid subscription tiers, billed monthly in USD:

  • Basic — $40 / month
  • Pro — $100 / month

Paid subscriptions renew automatically at the end of each billing period unless cancelled.

2. Free Trial

Every new account receives a 14-day free trial of Pro features with no credit card required. The trial is the primary mechanism through which you can evaluate the Service before paying. At the end of the trial, your account will revert to the Free tier unless you choose to subscribe.

3. Cancellations

You may cancel your subscription at any time from the billing portal accessible in your account settings. Cancellation takes effect at the end of the current billing period, and you will retain access to paid features until that date. We do not issue prorated refunds for the unused portion of a monthly billing cycle that has already been paid.

4. Refund Eligibility

4.1 Monthly plans

You may request a full refund within 7 days of the most recent charge if:

  • You have not used the Service substantially during that billing period, and
  • You are a first-time subscriber, or the charge was a renewal you did not intend to continue.

"Substantial use" is determined by us based on account activity (for example: running bulk queries, exporting large datasets, or sustained daily usage).

4.2 Annual plans

If we offer annual subscriptions, you may request a prorated refund within 14 days of the charge. After 14 days, annual plans are non-refundable but you may cancel auto-renewal at any time.

4.3 Duplicate or erroneous charges

If you were charged in error (for example, a duplicate charge or a charge after a verified cancellation), you will receive a full refund regardless of the windows above.

5. Non-Refundable Situations

Refunds will not be issued in the following cases:

  • Requests made more than 7 days after the charge on a monthly plan
  • Requests made more than 14 days after the charge on an annual plan
  • Accounts that have used the Service substantially during the billing period in question
  • Accounts suspended or terminated for violations of our Terms of Service, including abuse, fraud, or unauthorized resale of Service data
  • Chargebacks filed without first contacting us to resolve the issue

6. How to Request a Refund

To request a refund, email [email protected] from the email address associated with your account and include:

  • The date of the charge
  • The last four digits of the card used, or the transaction ID from your receipt
  • The reason for the refund request

We aim to respond to all refund requests within 2 business days.

7. Processing Time

Approved refunds are issued to the original payment method. Depending on your bank or card issuer, the refund typically appears in your account within 5–10 business daysafter we process it. We have no control over your issuer's processing time.

8. Chargebacks

Please contact us before initiating a chargeback with your bank or card issuer. Most billing disputes can be resolved quickly by email. Chargebacks filed without prior contact may result in suspension of your account pending investigation.

9. Changes to This Policy

We may update this Refund Policy from time to time. Material changes will be reflected by a revised "Last updated" date at the top of this page. Changes apply only to charges made after the update; prior charges are governed by the policy in effect at the time of the charge.

10. Contact

Questions about this policy or a specific charge: [email protected].