Refund and Cancellation Policy

Summary. Cancel anytime from your account, and you keep access until the end of the period you paid for. If Premo Trading isn’t right for you, ask for a refund within 14 days of your first payment for a plan. After that, payments are not refundable for partial periods.

Cancelling your subscription

You can cancel your Journal or AI subscription at any time from your account, under Manage billing, or by emailing support@premotrading.com.

When you cancel:

• your subscription will not renew;
• you keep full access to your plan until the end of the billing period you have already paid for;
• after that, your account stays available so you can sign in and export your data, but paid features are switched off.

There are no cancellation fees and no contracts.

Refunds

14-day refund on your first payment

If you are not satisfied, contact us within 14 days of your first payment for a plan and we will refund that payment in full. This applies once per customer per plan, to both monthly and yearly billing.

After 14 days

After the first 14 days, payments are not refundable, and we do not give refunds or credits for partial billing periods, for unused time, or for periods in which you did not use the Services.

Renewals

Renewal payments, monthly or yearly, are not refundable once they have been charged. To avoid a renewal, cancel before your renewal date. We send a reminder before each yearly renewal.

When we always refund

We refund any prepaid fees for the unused part of your billing period if:

• we end the Services, or your plan, for reasons other than your breach of our Terms of Service;
• we charged you in error, for example a duplicate charge.

Changing plans

• Upgrading from Journal to AI, or from monthly to yearly billing, takes effect immediately. The unused part of your current period is credited against the new price.
• Downgrading from AI to Journal, or from yearly to monthly billing, takes effect at the end of your current billing period.

Membership

Members-only features (GEX & Strike Profiles and AI Strategy Alerts) are not sold as a plan and are granted by approval, so they are not covered by this policy. If membership involves any fee, its terms are shared with you when membership is offered.

How to request a refund

Email support@premotrading.com from the address on your account, with your name and the date of the payment. Approved refunds are returned to the original payment method through Stripe, and usually appear within 5 to 10 business days, depending on your bank.

Chargebacks

If you think a charge is wrong, please contact us first. We can usually resolve it faster than a card dispute. Opening a chargeback for a payment that was valid may lead to your account being suspended while the dispute is resolved.

Your legal rights

This policy does not limit any rights you have under consumer protection laws that apply to you, including the Quebec Consumer Protection Act. Where this policy conflicts with those laws, the law prevails.