Refund & Cancellation Policy

This policy explains how billing, cancellation, and refunds work for paid subscriptions and add-ons purchased on The Trader's Hindsight at https://tradershindsight.com (the “Service”), operated by Hindsight Trade Analytics Limited (RC 9661218) from Delta State, Nigeria. It is written to be specific to our Service. Where this policy and our Terms of Service differ on refunds or cancellation, this policy controls.

1. What you are paying for

The Service is a software subscription. We offer three plans, Pro, Elite, and Master, each available on a monthly or yearly billing cycle, plus optional add-ons (for example, an extra synced trading account). Subscriptions are billed in advance for the cycle you choose. There is no free trial. You get full access the moment your payment is confirmed.

2. Renewal

Card payments (via Flutterwave) renew automatically at the end of each billing cycle, at the then-current price for your plan, until you cancel. We disclose the billing amount and frequency on the checkout screen before you pay.

If a card renewal does not go through, your plan ends on its end date. There is no grace period. Your trades and notes are kept, and you can buy a plan again from Settings, then Billing, at any time. If your card is charged for that renewal after the plan has ended, the plan starts again from the day of that charge for one billing cycle, renews as normal after that, and we email you a receipt. If you do not want that, stop the card renewal from Billing.

Cryptocurrency payments (via NOWPayments) do not auto-renew. Each crypto payment buys a single term. When that term ends, your plan simply lapses unless you choose to pay again.

One plan at a time. Your account holds one plan. To move to another plan, or between monthly and yearly, you pay for the new plan, and the unused value of the paid plan you have now comes off its price. If what is left to pay is under $2, nothing is charged, and the unused value becomes days of the new plan instead. A plan changed that way does not renew, and we remind you 7 days and 1 day before it ends so you can pay to keep it.

Paying again for the plan you already have. By card, you cannot pay for the same plan and billing cycle while its card renewal is on, because it already renews by itself. Otherwise you can, and the days you have left come off the price, and the card renews from that payment. If those days are paid time and what is left to pay is under $2, your plan is already paid for, and you can pay closer to its end. If they are free time from a promotion or a partner offer, they come off as a discount and the card is still charged at least $2. By cryptocurrency, you pay the full price and one more term is added after your current end date. If the plan was renewing by card, that card renewal is stopped. A plan whose term has ended can always be bought again.

Minimum payments. The smallest card payment is $2 and the smallest cryptocurrency payment is $12. If a crypto payment would come to $2 or more but less than $12 after your unused value is taken off, pay by card instead. Free time from a promotion or a partner offer comes off a card payment as a discount, but the card is still charged at least $2. On a crypto payment, that free time is added as days instead.

3. How to cancel

You can cancel at any time, with no cancellation fee, in either of these ways:

• Sign in and go to Settings, then Billing, and choose to cancel your subscription; or
• Email us at support@tradershindsight.com from the address on your account and ask us to cancel.

Cancelling stops the next automatic renewal. Your plan stays active and you keep full access until the end of the term you have already paid for, after which it will not renew. Crypto plans are cancelled simply by not paying for another term.

4. Refunds

Because the Service is a digital product delivered immediately and used continuously throughout your term, fees already paid for the current term are generally non-refundable, and we do not provide partial or pro-rated refunds for the unused part of a term after you cancel.

We will, however, issue a refund of the affected charge in any of the following cases:

• Duplicate or accidental charge. You were billed more than once for the same period, or charged in error.
• Billing after cancellation. You were charged for a renewal after you had already cancelled.
• Payment made after your plan changed. Only the first payment for a plan counts. If your plan changed between opening a payment page and paying (for example, another payment for a plan went through first, or a renewal was charged in between), the later payment is not used. Your plan stays as it was, and we refund that payment in full so you can start again.
• Renewal charge from a plan you replaced. If a card renewal is charged for a plan you have since replaced with a new one, the charge is not used, we stop that renewal, and we refund the charge in full.
• Failure on our side. A confirmed technical fault on our end prevented you from accessing the Service for a sustained period and we could not resolve it.
• Unauthorised charge. The payment was made without the account holder's authorisation and this is verified.
• Any case where a refund is required by the consumer-protection laws of the Federal Republic of Nigeria or other applicable law.

When we can see the problem ourselves, we refund the charge without being asked and email you when we do. That covers a second charge for the same purchase, a payment made after your plan changed, a renewal from a plan you replaced, and any amount charged above the price.

Add-ons follow the same rules as the plan they attach to. They can be cancelled at any time, stay active until the end of the paid term, and are refundable only in the cases listed above.

5. How to request a refund

Email support@tradershindsight.com from the email address on your account, with the date of the charge and a short description of the problem. We aim to respond within 2 business days. Approved refunds are returned to your original payment method. Card refunds usually take 3 to 15 working days to show, depending on your bank or card issuer.

6. Cryptocurrency payments

Cryptocurrency transactions are irreversible by design, so we cannot reverse a completed crypto payment to the originating wallet. Where a refund is due under section 4 for a crypto payment, including a payment we could not use because your plan changed first, we will instead send the equivalent value to a wallet address you confirm to us. Differences in network fees and exchange rates at the time of payout are not refundable.

7. Before you raise a chargeback

If you believe a charge is wrong, please contact us first at support@tradershindsight.com. We can almost always sort it out faster than a bank dispute. Filing a chargeback without contacting us may lead to your account being suspended while the dispute is investigated.

8. Contact

Hindsight Trade Analytics Limited (RC 9661218)
Trading as The Trader's Hindsight
Delta State, Nigeria
support@tradershindsight.com
+234 706 173 5310