Refund Policy

• 14-day money-back guarantee for your first paid subscription term. Email support@chartofaccounts.ai within 14 days of your first charge and we’ll refund 100% — no forms, no “reasons.”
• Cancel any time. Cancellation stops the next renewal; the current paid term continues to its end.
• Monthly plans only. We do not currently offer an annual plan, so there is no prepaid year to pro-rate. If we add one, this policy changes with it.
• Wallet top-up credit packs are non-refundable once purchased, except where required by law or where they have not been used at all within 30 days of purchase (one-time courtesy refund per customer).
• Credits do not expire, and unused monthly credits roll over. Section 4 explains the one limit roll-over does not lift.
• Chargebacks. Please email us first — we resolve nearly all billing issues within 1 business day.

If you are dissatisfied with your first paid subscription term for any reason, email support@chartofaccounts.ai within 14 days of the initial charge with the subject line “Refund request.” We will issue a full refund to the original payment method within 5–10 business days, and your account will be moved off the paid plan. Paid features stop; the free trial is not restarted.

The 14-day guarantee applies once per customer and only to your first paid subscription term (it does not apply to renewals, plan upgrades, or wallet top-up purchases).

You may cancel your subscription at any time from the in-app Billing page or by emailing support. Cancellation takes effect at the end of the current paid term, after which you will not be charged again.

Subscriptions are monthly. They are not pro-rated when canceled mid-term — your plan continues to the end of the month you have paid for. We do not currently offer an annual plan.

You may ask us to refund the unused part of a term you have already paid for if:

• we materially reduce the functionality of a feature your plan paid for; or
• we materially and adversely change these Terms or the Privacy Policy and you cancel before the change takes effect; or
• required by applicable law.

Subscription plans include a monthly allotment of credits. Unused monthly credits roll over to the next month while your subscription is active; each renewal adds that month’s allotment to the balance you already hold.

There is no separate monthly cap. Analyses, optimizations, growth runs and exports are metered by credits alone, so a rolled-over balance can be spent on any of them.

Wallet top-up credits (one-time credit packs) do not expire. We do not forfeit credits for inactivity, and we do not close accounts for inactivity.

Credits have no cash value, are not transferable between accounts, and may not be exchanged for cash except as required by law.

Wallet top-up credit packs are one-time purchases. Because credits are typically consumed immediately and AI/inference costs are incurred on our side as soon as you run a workflow, top-up purchases are non-refundable once any of the purchased credits has been used.

As a one-time courtesy, we will refund a wallet top-up purchase in full if (a) no credits from that purchase have been consumed and (b) you request the refund within 30 days. Email support@chartofaccounts.ai.

If a paid AI workflow fails due to a defect in the Service (server error, timeout, output that cannot be produced because of a system fault), we automatically refund the credits charged for that workflow back to your wallet — usually within seconds. The refund appears as a “Refund” line in your billing activity. If a run is interrupted rather than failing cleanly, the refund is issued by an automated sweep instead, which can take up to two hours.

In the rare case where automatic refund fails (for example, a transient database error after the workflow failed), email support@chartofaccounts.ai with the workflow timestamp and we will refund manually, typically within 1 business day.

We do not refund credits consumed by workflows that completed successfully but produced output you disagreed with. AI outputs are proposals that require professional review; see Section 3 of the Terms of Service.

Please contact us before initiating a chargeback. We resolve nearly all billing issues within 1 business day. Filing a chargeback for an authorized charge instead of contacting us may result in suspension of your account during the dispute period.

We do not currently collect sales tax on our prices. If that changes, refunds will include any tax that was charged. We do not refund payment-processor fees that we cannot recover from Stripe.

Approved refunds are issued to the original payment method within 5–10 business days. The exact timing depends on your card issuer or bank.

Refund requests and billing questions: support@chartofaccounts.ai.

Legal notices to Arrow CFO LLC go by email to legal@chartofaccounts.ai.