REFUND POLICY
All sales are final unless otherwise explicitly stated at the time of purchase. Subscription payments are non-refundable once a billing period has commenced. You will retain access to the applicable product or service through the end of the paid subscription period following any cancellation. Cooling-Off Period. Notwithstanding the foregoing, if you are a resident of a state that provides a statutory right of rescission or cooling-off period for subscription or distance contracts, you may cancel your purchase within that period for a full refund of amounts paid. For residents of most states, this period is three (3) business days from the date of purchase. To exercise this right, you must contact us in writing at support@belangertrading.com within the applicable period, clearly stating your intent to cancel and request a refund. Belanger Trading will honor the longest applicable cooling-off period under the law of your state of residence. This cooling-off right applies to your first purchase of a given product or service and does not apply to renewals or re-subscriptions. Where Belanger Trading separately offers a promotional money-back guarantee for a specific product, the terms of that guarantee, including the applicable period and any conditions, will be disclosed clearly at the time of purchase and govern in addition to any statutory cooling-off rights. Any promotional money-back guarantee is limited to one (1) use per customer per product. A customer who obtains a refund under a promotional guarantee and subsequently re-subscribes to the same product within two (2) years is not entitled to an additional guarantee on that product. No refund will be issued where Belanger Trading suspends, limits, or terminates your access for violation of these Terms. Belanger Trading has no knowledge of, and no responsibility for, the amount of money you invest, your risk tolerance, or the results of any financial decisions you make at your own discretion.
SUBSCRIPTION TERMS AND AUTOMATIC PAYMENTS
A Belanger Trading subscriber is responsible for all fees due in connection with their subscription in accordance with these Terms. The first fee is due at account setup. Access to paid services is conditioned on timely payment. Standard Subscriptions. For month-to-month subscriptions, your payment method will be charged the applicable subscription fee plus any applicable taxes at the start of each billing period. Promotional Installment Subscriptions. From time to time, Belanger Trading may offer promotional subscription packages structured as multi-payment installments. The full terms of any such offer, including all payment amounts, payment dates, and cancellation consequences, will be disclosed clearly before you complete your purchase. By way of example, a promotional offer may provide access to a service for an initial period in exchange for an upfront payment, with a second installment due at the end of that period, followed by an annual maintenance fee to maintain continued access. All amounts due under a promotional installment offer are part of your total purchase commitment and are disclosed at checkout. Purchasing a promotional subscription constitutes your agreement to pay all scheduled installments. If you cancel a promotional installment subscription before the end of the initial access period: (a) your access will terminate at the end of the then-current billing period; (b) no further installments will be charged after your cancellation takes effect; and (c) amounts already paid are non-refundable except as required by applicable law or as provided under any separately stated cooling-off or money-back guarantee applicable to your purchase. You will not be charged the remaining installment(s) if you cancel before they come due, but you will forfeit access to the service and any benefits associated with full membership. If you cancel after the final installment has been charged, your access continues through the end of the period covered by that payment. Annual maintenance fees will renew automatically unless you cancel prior to the renewal date. AUTOMATIC RENEWAL DISCLOSURE. SUBSCRIPTIONS AUTOMATICALLY RENEW AT THE END OF EACH BILLING PERIOD AT THE THEN-CURRENT RATE. YOUR PAYMENT METHOD ON FILE WILL BE CHARGED AUTOMATICALLY UNLESS YOU CANCEL BEFORE THE RENEWAL DATE. BY PURCHASING A SUBSCRIPTION, YOU AUTHORIZE BELANGER TRADING TO CHARGE YOUR PAYMENT METHOD ON A RECURRING BASIS WITHOUT FURTHER AUTHORIZATION UNTIL YOU CANCEL. YOU MAY CANCEL AT ANY TIME THROUGH YOUR ACCOUNT DASHBOARD OR BY EMAILING support@belangertrading.com. CANCELLATION TAKES EFFECT AT THE END OF THE CURRENT BILLING PERIOD. For monthly subscriptions, cancellation requests must be received at least forty-eight (48) hours before the start of the next billing period. Requests received after that threshold will take effect at the end of the following billing period. Belanger Trading reserves the right to terminate a user's account for any unpaid balance, with or without notice. Termination does not relieve you of any outstanding payment obligations. If Belanger Trading initiates collection proceedings, you will be responsible for all collection costs including reasonable attorneys' fees.