SaveCash ("SaveCash," "we," "us," or "our") strives to provide excellent services and products. This Refund and Return Policy explains our policies regarding refunds, returns, and chargebacks. Please read this policy carefully before making a purchase or subscription.

1. General Policy

NO REFUNDS UNLESS REQUIRED BY LAW: All sales are final unless otherwise stated in this policy or required by applicable law. We do not offer refunds, returns, or exchanges for most services and products due to the digital nature of our offerings and the immediate access and use that occurs upon purchase.

IMMEDIATE CONSUMPTION: Upon purchase or subscription, you immediately receive access to our services, software, content, and digital products. By using our services, you acknowledge that you have received value and are satisfied with your purchase.

2. Subscription Services

SUBSCRIPTION BILLING: Subscriptions are billed on a recurring basis (monthly, quarterly, or annually) and automatically renew unless cancelled. By subscribing, you authorize us to charge your payment method on a recurring basis.

NO REFUNDS FOR SUBSCRIPTION PERIODS: We do not provide refunds for subscription fees already paid, including:

• Fees for the current billing period
• Fees for past billing periods
• Partial refunds for unused portions of a billing period

CANCELLATION: You may cancel your subscription at any time through your account settings. Cancellation will take effect at the end of your current billing period. You will continue to have access to the service until the end of the paid period.

NO REFUNDS UPON CANCELLATION: Cancelling your subscription does not entitle you to a refund for the current or any previous billing period.

3. One-Time Purchases

DIGITAL PRODUCTS: One-time purchases of digital products, software licenses, API access, premium features, or downloadable content are final and non-refundable. These products are delivered immediately upon purchase and cannot be "returned."

LICENSE ACTIVATION: Once a software license or access key is activated or used, it cannot be refunded, transferred, or deactivated.

4. Limited Refund Exceptions

Refunds may be considered, at our sole discretion, in the following limited circumstances:

• Technical Failure: If our service is completely non-functional due to a technical failure on our end for more than 48 consecutive hours, and the issue cannot be resolved
• Duplicate Charge: If you were charged multiple times for the same purchase due to a processing error
• Unauthorized Transaction: If you can provide evidence that the purchase was made without your authorization (subject to verification)
• Legal Requirement: If a refund is required by applicable consumer protection law in your jurisdiction

REFUND REQUEST PROCESS: To request a refund under these limited exceptions, you must:

1. Contact us within 7 days of the purchase date (or within the timeframe required by applicable law)
2. Provide your order number, transaction ID, and payment method information
3. Explain the specific reason for the refund request with supporting documentation
4. Not have used or accessed the service extensively (as determined by us in our sole discretion)

NO GUARANTEE OF REFUND: Submission of a refund request does not guarantee approval. All refund decisions are final and made at our sole discretion.

5. Refund Processing

PROCESSING TIME: If a refund is approved, it will be processed within 10-14 business days to the original payment method used for the purchase. The time it takes for the refund to appear in your account depends on your payment provider and may take additional time.

REFUND METHOD: Refunds will be issued to the original payment method. If the original payment method is no longer available (e.g., closed credit card), you must contact us to arrange an alternative refund method.

CURRENCY: Refunds will be issued in the same currency as the original transaction. Exchange rates and fees may apply if your payment method uses a different currency.

NON-REFUNDABLE FEES: Transaction fees, processing fees, and third-party fees (if any) are non-refundable and will not be included in any refund amount.

6. Chargeback Policy

CHARGEBACK PROHIBITION: Initiating a chargeback or payment reversal through your bank or payment provider instead of contacting us first is a violation of our Terms of Service. Chargebacks should only be used for genuinely unauthorized transactions or fraud.

CHARGEBACK CONSEQUENCES: If you initiate a chargeback:

• Your account may be immediately suspended or terminated
• All services and access may be revoked
• You may be permanently banned from using our services
• We reserve the right to pursue collection of the disputed amount plus fees and costs
• Your information may be shared with collection agencies or credit bureaus

CHARGEBACK DISPUTE: We will vigorously contest all chargebacks and provide evidence of service delivery, your use of the service, and your acceptance of these terms. If you have a dispute, please contact us first at support@savecash.com before initiating a chargeback.

7. Non-Refundable Items and Services

The following items and services are explicitly non-refundable:

• All subscription fees (monthly, quarterly, annual)
• One-time software licenses and access keys
• API access fees and usage-based charges
• Premium features, add-ons, and upgrades
• Downloadable content, digital products, and files
• Transaction fees, processing fees, and third-party fees
• Professional services, consulting, and custom development (unless otherwise agreed in writing)
• Training, onboarding, or implementation services (unless otherwise agreed in writing)
• Gift cards, credits, and promotional codes (unless required by law)
• Beta program access and early access features

8. Prohibited Refund Circumstances

We will not provide refunds in the following circumstances:

• Change of mind, dissatisfaction, or buyer's remorse
• Failure to read or understand this policy or our Terms of Service
• Failure to use the service or access purchased features
• Technical issues caused by your equipment, internet connection, or third-party services
• Incompatibility with your systems or requirements (you are responsible for verifying compatibility before purchase)
• Violation of our Terms of Service resulting in account termination
• Expiration of a promotional period or discount
• Changes to our service, features, or pricing
• Loss of access due to your failure to maintain account security
• Request made after the applicable refund deadline

9. Time Limitations and Deadlines

REFUND REQUEST DEADLINE: All refund requests must be submitted within 7 days of the purchase date, unless a longer period is required by applicable consumer protection law. Requests submitted after this deadline will not be considered.

STATUTE OF LIMITATIONS: Any claim for a refund must be brought within one (1) year of the purchase date, or such claim shall be forever barred.

10. Consumer Protection Laws

COMPLIANCE WITH APPLICABLE LAW: This policy does not limit or exclude any rights you may have under applicable consumer protection laws in your jurisdiction. If you are located in a jurisdiction that requires different refund terms (such as the European Union, United Kingdom, or Australia), we will comply with those requirements.

EU/UK CUSTOMERS: If you are located in the European Economic Area or United Kingdom, you may have a 14-day right of withdrawal for digital content if you have not consented to immediate delivery and have not accessed the content. However, by purchasing our services, you acknowledge that you consent to immediate delivery and waive your right of withdrawal once you access the service.

11. Universal Legal Shield Provisions

Limitation of Liability

To the maximum extent permitted by law, SaveCash ("SaveCash," "we," "us," or "our") and its affiliates, officers, employees, agents, suppliers, and licensors shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, data, goodwill, or other intangible losses, arising out of or relating to refunds, returns, or charges, regardless of legal theory, even if SaveCash has been advised of the possibility of such damages.

SaveCash's total cumulative liability for any refund claim shall not exceed the greater of: (a) the amount you paid for the specific service or product in question; or (b) one hundred U.S. dollars (US $100).

Disclaimer of Warranties

Our refund processing services are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, express or implied. SaveCash disclaims all warranties, including any implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, and any warranties arising out of course of dealing or usage of trade. No advice or information obtained from SaveCash shall create any warranty not expressly stated herein.

Indemnification

You agree to defend, indemnify, and hold harmless SaveCash and its affiliates, directors, officers, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to your refund requests, chargeback disputes, or violation of this Refund Policy.

Governing Law and Dispute Resolution

This Refund Policy and any dispute arising hereunder shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law principles.

Any disputes regarding refunds, returns, or charges are subject to our Terms of Service, including mandatory binding arbitration under the rules of JAMS (or, if JAMS is unavailable, the American Arbitration Association) in San Francisco County, California, United States. The language of arbitration shall be English. You waive any right to participate in a class action, representative action, or jury trial. Please review our Terms of Service before initiating any legal action.

Force Majeure

SaveCash shall not be liable for any failure or delay in processing refunds caused by circumstances beyond its reasonable control, including but not limited to natural disasters, acts of God, war, terrorism, labor conditions, Internet failures, cyberattacks, government actions, changes in laws or regulations, banking system failures, or any other cause beyond SaveCash's reasonable control.

Severability and Survival

If any provision of this Refund Policy is found invalid, illegal, or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect. All provisions that by their nature should survive termination shall survive, including warranty disclaimers, indemnity, and limitations of liability.

Entire Agreement and No Waiver

This Refund Policy, together with our Terms of Service, Privacy Policy, and other referenced policies, constitutes the entire agreement between you and SaveCash regarding refunds and returns and supersedes any prior agreements. Failure by SaveCash to enforce any right or provision shall not be deemed a waiver of such right or provision.

12. Modifications to This Policy

SaveCash reserves the right to modify this Refund and Return Policy at any time by posting an updated version on this page. Material changes will be communicated with at least 30 days notice and posted with an updated "Last updated" date. Your continued use of our services after changes become effective constitutes acceptance of the updated policy. Refund requests will be evaluated under the policy in effect at the time of purchase.

13. Contact Information

For refund requests, questions about this policy, or billing inquiries, please contact us:

Please include your order number, transaction ID, and a detailed explanation of your request. Response times may vary, but we typically respond within 2-3 business days.