Refunds and cancellation

The short version

1. How to cancel

Open the billing portal at our payment processor, using the link in your purchase receipt, and cancel the subscription there. It takes effect immediately and stops the next charge.

If you cannot find it, or the link does not work, email optionsindicatorindex@gmail.com and we will cancel it for you. We will not ask you to sit through a retention conversation first, and we will not make cancelling harder than buying was.

2. What happens when you cancel

• You keep access until the end of the period you already paid for. Cancel on day 3 of a month you have paid for and you still receive picks for the rest of it.
• Nothing renews. You will not be charged again.
• At the end of the period your access ends and your role in the Discord server is removed automatically.
• You are not removed from the server. You are welcome to stay in the public channels for as long as you like.
• Positions you already hold are unaffected. They are in your brokerage account, not ours. We never had any access to them.

3. When we refund

We will refund you, without argument, in any of these cases:

• You change your mind within seven days of your first payment on a new subscription. Email us and we refund it in full.
• We failed to deliver. If a technical failure on our side meant you received no picks for a material part of a billing period, we refund that period or extend it, whichever you prefer.
• You were charged in error, charged twice, or charged after cancelling.
• We discontinue the service. We refund the unused portion of anything you have prepaid.

Annual plans

Cancel an annual plan after the first seven days and we will refund the unused whole months on a pro-rata basis, less any months already elapsed. You do not have to wait out the year.

Lifetime

Lifetime access is refundable in full within 14 days of purchase. After that it is final, because that is the nature of a one-time payment for indefinite access.

4. When we do not refund

One case, stated plainly rather than buried: we do not refund a period because the picks lost money.

This is not us being difficult. What you are buying is the analysis and the delivery of it, and you receive that whether or not a given contract works out. Losing trades are a normal and frequent outcome of options trading, we say so on every page of this site, and a service that refunded losing months would be selling something it has repeatedly told you it is not selling.

We also do not refund:

• a renewal you forgot to cancel, beyond the seven-day window described above;
• access terminated for breach of our terms of service, in particular redistributing picks to non-subscribers;
• a night with fewer picks than usual. On thin nights the model delivers fewer names and tells you it did, which is the product working as described rather than failing.

5. Free trial

New subscriptions start with a 7-day free trial. Cancel before it ends and you are not charged at all. The trial exists precisely so that you can see the picks before paying for them, which is a better answer than a generous refund policy on a product you have not seen.

6. How refunds are paid

Refunds go back to the original payment method through our payment processor. They are usually issued within two business days of us approving them, and then take however long your bank or card issuer takes to post them, typically five to ten business days.

7. Failed payments

If a renewal payment fails, your access is paused rather than cancelled, and we will email you. Update your payment method and access resumes. If it stays unpaid, the subscription is cancelled and your role is removed. You are never charged for a period during which you were locked out.

8. Price changes

If we change the price of your plan, we will email you before it applies, and it only ever takes effect from your next billing period. You can cancel first. We will not raise a price mid-period.

9. Contact

Anything about billing, cancellation or a refund goes to optionsindicatorindex@gmail.com. We reply within two business days. If you think you have been charged wrongly, tell us before you file a chargeback, because we will almost certainly just refund it.