Refund policy

This policy explains how cancellation, plan changes and refunds work for paid plans bought from fxapis, operated by El Wizard (business ID 207370523), Jacó, Puntarenas 61101, Costa Rica. It forms part of our Terms of service.

Cancelling

Cancelling takes effect at the end of the period you have paid for. You keep the plan until then; that period is not refunded. The plan then ends; positions can always be closed.

Changing plan by card

The new plan starts immediately at its full monthly price. The part of your current month you have not used is refunded to your card, calculated by the exact time left and rounded down to the cent.

An annual Personal plan is refunded as this policy refunds any plan, by the year instead of the month: cancelling takes effect at the end of the year you have paid for, and that year is not refunded; changing plan by card refunds the unused part of the year to your card, calculated by the exact time left. Where consumer law gives you a right to withdraw (see “Your statutory rights” below), it applies to an annual plan too, and the unused part of the year is refunded.

Paying in crypto

• An upgrade during a paid month is charged the new price less the unused part of the current month.
• A move to a cheaper plan is bought once the current month has ended.
• Crypto payments cannot be refunded automatically. Where a refund is owed it is sent by hand, to an address you provide, from our payment processor.

Failed payments

If a card renewal fails, your processor retries it and your plan continues meanwhile. If it cannot be collected, the plan ends. You are never prevented from closing a position because of a billing problem.

Refunds for problems with the Service

If the Service was unavailable for a significant part of a paid month because of a fault on our side, write to [email protected] within 30 days and we will credit or refund the affected period in proportion. We do not refund for trading losses, broker outages, or changes a broker makes to your account.

Enterprise agreements

Where you have a signed Enterprise agreement, its billing and refund terms apply instead of this policy.

Taxes

Prices exclude taxes. Where we must charge VAT, sales tax or similar, it is added to your invoice, and refunded in proportion to any refund.

Your statutory rights

Nothing in this policy limits rights you have under consumer law that cannot be excluded. Where such a law gives you a right to withdraw from a purchase, you ask us to start the Service immediately when you subscribe, and accept that the time already used is not refunded.

For example, a consumer in the European Union or the United Kingdom may withdraw within 14 days of subscribing, and a consumer in Costa Rica within eight business days. To withdraw, write to [email protected] from the address on your account within that period. We then end the plan and refund what you paid, less the part of the period already used, calculated by the exact time, to the payment method you used, within eight days.

Disputes and chargebacks

If you believe you were charged in error, contact [email protected] first — we reply within two business days and correct genuine errors promptly. Opening a chargeback without contacting us may lead us to suspend new trading until it is resolved; closing positions is never affected.