Refund Policy

1. Scope

This Refund Policy (the "Policy") is between uPayments LLC, operating under the product name FinMI (collectively "FinMI," "Company," "us," "we," "our"), and the subscriber to the Services ("you"). This Policy applies to subscription fees you pay to uPayments LLC for access to the FinMI dashboard, APIs, and related services. It is incorporated by reference into our Terms of Service. By subscribing to the Services, you accept the terms of this Policy.

2. What This Policy Covers — and What It Does Not

This Policy governs subscription fees paid to uPayments LLC for FinMI. It does not govern:

• Payments processed through your gateway. Refunds, returns, and chargebacks of transactions you process for your end customers are governed by your separate agreement with the gateway (NMI), your acquiring bank, and the card networks. Refund a customer transaction from the dashboard or your gateway portal, not by contacting FinMI.
• Gateway processing fees. Per-transaction interchange, assessment, and gateway fees are charged by NMI and the card networks under your agreement with them and are not refundable by FinMI.
• Third-party charges.Charges from any integration you connect (CRM, accounting, etc.) are governed by that provider's own terms.

3. Subscription Fees Are Generally Non-Refundable

Subscription fees for FinMI are billed in advance for the term you select (monthly or annual) and are non-refundable, in whole or in part, except as explicitly described in this Policy or as required by applicable law. No refund is owed for partial-month or partial-year usage when you cancel, downgrade, or stop using the Services.

4. Cancellation

You may cancel your subscription at any time from the dashboard. Cancellation takes effect at the end of the then-current billing period; you retain access through the paid-through date and are not charged for the next renewal. We do not issue prorated refunds for cancellations made mid-term.

5. Limited Exceptions Where We Will Issue a Refund

We will issue a refund — in full or pro-rata as appropriate — in the following limited circumstances:

• Billing error. If we charge you in error (duplicate charge, charge after a confirmed cancellation, or the wrong tier), contact us within 60 days and we will refund the erroneous amount.
• Material service failure. If the Services are unavailable for an extended, continuous period due to a fault on our side and we cannot restore service within a reasonable time, we will issue a pro-rata service credit or refund covering the affected period.
• Statutory rights. If applicable law in your jurisdiction grants a consumer right of withdrawal or refund (for example, certain EU/UK consumer rights), we will comply with that law.
• Goodwill exceptions. We may, at our sole discretion, issue a goodwill refund or service credit. Goodwill exceptions are not a precedent and do not modify this Policy.

6. Refund Mechanics

Refunds, when issued, are returned to the original payment method. Processing time depends on your card-issuing bank and is typically 5–10 business days. You will receive an email confirmation when a refund is initiated.

7. Disputes and Chargebacks

If you have a billing concern, please contact us first at billing@finmi.io so we can resolve it directly. Initiating a chargeback for a charge you knew was valid (or for a service you continued to use) is a violation of our Terms of Service and may result in account suspension and recovery costs.

8. Changes to This Policy

We may update this Policy from time to time. The "Last updated" date at the top reflects the most recent revision. Material changes will be communicated by email or through the dashboard.

9. Contact

Questions about this Refund Policy? billing@finmi.io for billing issues, or legal@finmi.io for policy questions.

uPayments LLC
Attention: Billing
Albuquerque, NM, United States