Refund Policy

1. Overview

At AdvisorHub LLC — operator of CredReadi (credreadi.com) and FundReadi (fundreadi.com) — we strive to provide exceptional service and value. This Refund Policy outlines the circumstances under which refunds may be issued for subscription payments and any add-on charges on either product.

2. Credit Purchases

2.1 General Policy

Credit purchases are generally non-refundable once the transaction is complete. This is because credits provide immediate access to our AI-powered analysis services.

2.2 Exceptions for Credit Refunds

We may issue refunds for credit purchases in the following circumstances:

• Technical Errors: If you were charged for credits but they were not added to your account due to a system error
• Duplicate Charges: If you were accidentally charged multiple times for the same purchase
• Unauthorized Charges: If your payment method was used without your authorization (subject to verification)
• Service Failure: If our service was unavailable and you were unable to use purchased credits within a reasonable timeframe

2.3 No Refunds for Used Credits

3. Subscription Plans

3.1 Monthly Subscriptions

Monthly subscription payments are non-refundable. However, you may cancel your subscription at any time to prevent future charges:

• Cancellations take effect at the end of your current billing period
• You retain access to subscription benefits until the end of the paid period
• No pro-rated refunds are provided for partial months
• Unused credits from your subscription do not expire when you cancel

3.2 Service Delivery and Refunds

Our service is delivered immediately upon payment — your credit data is pulled, your AI analysis is generated, and your monitoring is activated. Because the service has been rendered, we do not offer automatic refunds.

If you experience an issue with service delivery (for example: a credit pull that failed on our end, an AI analysis that didn’t generate, or a billing error), please contact us at info@advisorhub.io within a reasonable timeframe. We review every request individually and will issue a refund at our discretion when there’s a legitimate service-delivery problem.

3.3 Annual Subscriptions

If we offer annual subscription plans in the future:

• A 30-day satisfaction guarantee will apply
• Refunds will be pro-rated based on the number of months remaining
• Specific terms will be clearly disclosed at the time of purchase

4. Requesting a Refund

To request a refund, please contact us at info@advisorhub.io with:

• Your account email address
• Transaction date and amount
• Payment method used (last 4 digits of card)
• Detailed reason for the refund request
• Any supporting documentation (screenshots, error messages, etc.)

We will review your request and respond within 3-5 business days. If approved, refunds will be processed to your original payment method within 7-10 business days.

5. Chargebacks

If you initiate a chargeback with your bank or credit card company:

We encourage you to contact us directly before initiating a chargeback so we can resolve any issues amicably.

6. Business and Enterprise Accounts

Business, whitelabel, and enterprise accounts may be subject to different refund terms as specified in their commercial agreements. Please refer to your contract or contact your account manager for details.

7. Failed Reports and Service Issues

If you experience technical issues with report generation:

• Failed Reports: If a report fails to generate due to a system error, the credits will be automatically refunded to your account
• Incomplete Analysis: If a report generates but is missing significant sections due to our error, contact us for a credit refund
• Data Processing Errors: If our system misreads your credit report data, we will reprocess at no charge
• Extended Downtime: If our service is unavailable for more than 24 consecutive hours, affected users may receive credit compensation

8. State-Specific Rights

Some states provide additional consumer protection rights:

• California residents have specific cancellation and refund rights under California law
• Other states may provide statutory cooling-off periods or refund requirements
• This policy does not limit any rights you may have under applicable state or federal law

If you believe you are entitled to a refund under state law, please contact us with details.

9. Changes to This Policy

We may update this Refund Policy at any time. Material changes will be communicated via email or through the Service. Changes will not affect refund requests submitted before the policy change. Your continued use of the Service after changes constitutes acceptance of the updated policy.

10. Contact Information