Refund Policy

1. Overview

VEXA AI ("VEXA," "we," "us") provides a digital trading psychology coaching platform available via monthly and annual subscriptions. This Refund Policy explains our position on refunds and how cancellations work. By subscribing to VEXA, you agree to this policy along with our Terms & Conditions.

VEXA is a digital subscription service. Because access to AI coaching, your CDI Score™, Sentinel monitoring, and the full VEXA app is granted immediately upon payment, subscription fees are non-refundable once charged.

2. 7-Day Free Trial

Every new VEXA subscription starts with a 7-day free trial. The trial gives you full access to your plan's features so you can evaluate VEXA before any money changes hands.

• You can cancel at any time during the 7-day trial and you will not be charged.
• If you do not cancel before the trial ends, your subscription converts automatically to a paid plan at the price shown at sign-up.
• The 7-day free trial is your evaluation window. Please make your decision during the trial — we do not issue refunds after the trial converts to a paid subscription.

3. No Refunds After Payment

Once your subscription has been charged, all payments are final and non-refundable. This includes, but is not limited to:

• Monthly subscription fees, even if you cancel mid-cycle.
• Annual subscription fees, even if you cancel part-way through the year.
• Subscription fees charged after a free trial ends, even if you forget to cancel.
• Fees for any features you did not use, did not log in for, or only partially used during a billing period.
• Pro-rated amounts for unused time remaining in your billing period.

It is your responsibility to cancel before your billing date if you do not wish to continue. VEXA is not responsible for continued subscriptions where a customer forgot to cancel.

4. Cancellation

You can cancel your VEXA subscription at any time from the Account > Billing section inside the app. When you cancel:

• Your subscription remains active until the end of your current billing period.
• You retain full access to all paid features until that period ends.
• You will not be charged again.
• You will not receive a refund for the current billing period, including any unused time remaining in it.

If you have any trouble cancelling, contact us at support@vexatrade.ai. It is the customer's responsibility to confirm cancellation; we will do our best to help but cannot reverse a charge that has already processed.

5. Billing Cycles

VEXA offers two billing cycles on both the Edge and Pro plans:

• Monthly subscriptions are billed each calendar month on the anniversary of your sign-up date.
• Annual subscriptions are billed once per year on the anniversary of your sign-up date, typically at a discount compared to paying monthly.

Annual subscriptions are non-refundable in full. We do not offer pro-rated refunds for unused months remaining on an annual plan, regardless of whether you cancel one day after renewal or eleven months in.

6. Service Availability & Downtime

VEXA is provided on an "as is" and "as available" basis. We work hard to keep the service running smoothly, but we do not guarantee uninterrupted availability, and we do not offer a formal Service Level Agreement (SLA) or uptime warranty.

From time to time, VEXA (or parts of VEXA) may be temporarily unavailable due to:

• Scheduled or unscheduled maintenance.
• Bug fixes, feature deployments, or infrastructure upgrades.
• Outages at our cloud infrastructure provider (e.g., Google Cloud, Firebase).
• Interruptions to AI or voice processing services we rely on.
• Broker API outages or changes outside our control.
• Wearable device or biometric API availability.
• Network, DNS, or internet disruptions.
• Events outside our reasonable control (force majeure).

Temporary downtime or partial service interruptions do not entitle you to a refund, credit, or service-level remedy. We will always work to restore service as quickly as possible, and for prolonged incidents we will communicate status through our support channels.

7. Third-Party Service Dependencies

VEXA integrates with a number of third-party services to deliver its features. These include, but are not limited to:

• Broker APIs (Interactive Brokers, Coinbase, Binance, Bybit, Tiger Brokers, Trading 212, PropReports, and others) for automatic trade sync.
• AI and voice processing services for VEXA Chat, VEXA Voice, Pattern Recognition, and Weekly Overview.
• Cloud hosting, database, authentication, and push notification services.
• Health and biometric APIs from wearable platforms.
• Payment processors, including Stripe, Apple App Store, and Google Play.

VEXA has no control over these third-party services. If a third-party service changes, is degraded, or becomes unavailable — temporarily or permanently — that does not entitle you to a refund. We will respond by either working with the provider, migrating to an alternative, or adjusting the affected feature.

8. Purchases via Apple App Store or Google Play

If you purchased your VEXA subscription through the Apple App Store or Google Play, your billing is managed by Apple or Google — not directly by VEXA. This policy does not override Apple's or Google's own terms.

• Apple App Store: Refund requests for in-app subscriptions must be submitted directly to Apple at reportaproblem.apple.com. Apple makes all refund decisions for iOS and iPadOS purchases, and VEXA has no ability to issue or deny refunds on their behalf.
• Google Play: Refund requests for Google Play subscriptions must be submitted through Google at play.google.com/store/account/orderhistory. Google makes all refund decisions for Android purchases.
• Cancellation for App Store / Play Store: You must cancel inside your device's subscription settings, not inside the VEXA app, or you will continue to be billed by the platform.

9. Chargebacks

If you believe there is an issue with a charge, please contact support@vexatrade.ai before disputing the charge with your bank or card issuer. We will investigate in good faith and respond within a reasonable timeframe.

Initiating a chargeback without first contacting us is a violation of our Terms. Accounts associated with a fraudulent chargeback may be suspended or terminated, and we may recover any amounts owed plus reasonable fees through any legal means available to us.

10. Exceptional Circumstances

The "no refunds" position in Section 3 is firm, but VEXA reserves the right — at our sole discretion — to issue a goodwill refund in rare and exceptional circumstances, such as:

• A duplicate charge caused by a billing system error on our side.
• An accidental charge processed after a valid cancellation was confirmed by us in writing.
• A charge where fraud or unauthorised access to your account has been verified.

Goodwill refunds are decided case-by-case and do not create any ongoing right to refunds. Subjective dissatisfaction with the product, a change of mind, or failure to use the service do not qualify.

11. Changes to This Policy

We may update this Refund Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page. Material changes will be communicated via email or an in-app notice to active subscribers. Continued use of VEXA after an update constitutes acceptance of the revised policy.

12. Contact

If you have questions about billing, cancellation, or this Refund Policy, please contact us:

• Email: support@vexatrade.ai
• Web: vexatrade.ai/contact