Refund Policy
This policy explains refunds for StockLibs (stocklibs.com) memberships and points. What we sell is a **digital service**; purchasing means you understand that nature.
1. When you can get a refund
(a) Within **7 days of purchase and unused** (no points spent and no member-only feature used in that period): full refund on request. (b) **Duplicate or over-charged payments**: refundable at any time. (c) If a failure on our side makes the service unusable and we cannot fix it: pro-rata refund for unused days.
2. When we cannot refund
(a) A membership period that has been used (including member-only quotas already consumed). (b) Points already spent — points are non-refundable once redeemed for a service. (c) Promotional or discounted orders are assessed on the **amount actually paid**, not the list price. (d) Accounts restricted or terminated for breaching the terms.
3. How to request
Contact us via "Account → Messages" or the footer email and include the **order number** (see "Account → My orders"). We respond and process within three business days.
4. Method and timing
Refunds always go back to the **original payment channel** (e.g. card/Stripe). Timing depends on the channel — typically 5–10 business days. Channel fees and FX differences are set by the provider; we charge no refund fee.
5. Expiry and downgrade
When a membership period ends, access falls back to the free tier and **we do not auto-charge renewals**. Unused days are not refunded at expiry (membership is priced per period); purchase again to continue.
6. Points
Points are an in-site service credit: **not withdrawable and not transferable**. Bonus points granted with a membership are not restored after account deletion or when an offer expires. Points returned because an AI call failed or timed out are not a refund.
7. Updates and contact
Any update to this policy is dated on this page. For refund questions, contact us via the in-site message centre or the footer email.