Refund and Payment Policy for Whalesbook

This Refund and Payment Policy ("Policy") outlines the terms and conditions governing payments made for services offered by Whalesbook ("We", "Us", "Our"), including but not limited to subscriptions for our e-newspaper, access to stock market alerts delivered via WhatsApp, premium community features, or any other paid services offered on our Platform (collectively, "Services").

By making any payment for our Services, you ("You", "User") agree to be bound by this Policy. Please read it carefully.

1. Payments for Services

We offer various Services that may require payment. These payments can be structured as:

• Subscription-Based Payments: Certain Services, such as access to the premium e-newspaper content or ongoing stock market alerts, may be offered on a recurring subscription basis (e.g., monthly, annually). Subscriptions are typically billed in advance for the subscription period.
• One-Time Payments: We may occasionally offer specific reports, content bundles, or features for a one-time purchase fee.

Payment processing for our Services is handled through secure third-party payment gateways. We do not store your full credit card number or sensitive payment credentials on our servers.

2. No Refund Policy

All payments made to Whalesbook for any of our Services are final and strictly non-refundable.

This applies regardless of the circumstances, including but not limited to:

• Your satisfaction or dissatisfaction with the Service(s).
• Your failure to use the Service(s) during the paid period.
• Accidental purchases or duplicate payments.
• Technical issues you may experience, unless directly and solely attributable to a complete failure of our core service delivery system for an extended period, determined at our sole discretion.
• Your decision to cancel your subscription or stop using the Service before the end of the paid period.
• Changes in market conditions or personal financial circumstances.
• Suspension or termination of your account due to violation of our Terms of Service.

By making a payment, you acknowledge and agree that you forfeit any right to a refund.

3. Subscription Cancellation

For subscription-based Services:

• You may cancel your subscription at any time to prevent future charges.
• Cancellation must typically be done through your account settings on the Whalesbook Platform or by contacting our support team via info@whalesbook.com sufficiently in advance of your next billing date.
• Cancelling a subscription stops the recurring charges but does not trigger a refund for any portion of the current or previously paid subscription period.
• You will continue to have access to the subscribed Service until the end of your current paid billing cycle. After that, your access to the premium Service will cease.

4. Payment Disputes

If you believe a payment has been processed in error, please contact us immediately at info@whalesbook.com with details. Initiating a chargeback with your bank or payment provider without contacting us first may result in the immediate suspension or termination of your account and access to all Services. We reserve the right to dispute any chargebacks.

5. Pricing and Fee Changes

We reserve the right to modify the pricing for our Services or introduce new fees at any time. For subscription services, we will provide reasonable advance notice of any price changes, typically via email or a notice on our Platform. Your continued use of the Service after a price change becomes effective constitutes your agreement to pay the modified amount.

6. Privacy

Your payment information is handled securely. Please refer to our main Privacy Policy for detailed information on how we collect, use, and protect your personal data, including data related to payments.

7. Agreement

By submitting a payment through our Platform or associated third-party payment gateways, you confirm that you have read, understood, and agree to be bound by these terms and conditions, including any future updates posted on our website.

8. Disclaimer

Whalesbook provides informational content (e-newspaper) and alerts intended for informational purposes only; they do not constitute financial or investment advice. We do not guarantee the accuracy, completeness, or timeliness of the information provided. Payments grant access to the content and delivery mechanisms as described but do not guarantee any specific financial outcome or result. We are not responsible for decisions made based on our content or alerts. All payments are final and non-refundable as stated in Section 2. We are not liable for losses or issues arising from your use of third-party payment gateways, except where required by law.

9. Contact

If you have questions about this Refund and Payment Policy, please contact us at info@whalesbook.com.