Billing, Subscription & Refund Policy

1. Plans and prices

Self-serve plans are Starter $99/month, Professional $249/month, Growth $499/month, Business $999/month, and Scale $2,499/month. Enterprise is custom-priced under a separate order form. Prices are in U.S. dollars and are shown on the Pricing page, which prevails if a figure elsewhere on the site is out of date.

Prices exclude sales tax, VAT, GST, and similar charges, which are calculated at checkout based on your location and added to the amount charged.

2. Payment and processing

Payments are processed by Stripe. Card details are entered directly into Stripe's hosted checkout — SpendTensor never receives or stores your full card number. By subscribing you authorize recurring charges to your payment method until you cancel.

3. Automatic renewal — plain-language notice

Your subscription is billed monthly in advance and renews automatically each month at the then-current price for your plan, charged to the payment method on file, until you cancel. There is no fixed commitment on self-serve plans; the term is one month and repeats.

If we change the price of your plan, we will give you at least 30 days' notice by email before it applies to a renewal, so you can cancel before being charged the new amount.

4. Cancellation

You can cancel at any time from the billing section of your dashboard, or by emailing cyberprosoftware@gmail.com from the account email address. No phone call and no retention conversation is required.

Cancellation stops future renewals. It takes effect at the end of the current paid billing period, and you keep full access until then. We do not pro-rate or refund the remainder of a period that has already been paid, except where section 6 or applicable law says otherwise.

5. Upgrades, downgrades, and seats

Upgrades take effect immediately and are pro-rated for the remainder of the current period. Downgrades take effect at the next renewal so you keep the features you already paid for. Where a plan includes usage or seat limits, exceeding them may require an upgrade; we will tell you before any additional charge applies.

6. Refunds

Subscription fees are generally non-refundable, and payment for a period already started is not refunded on cancellation. We will, however, issue a refund or credit in these cases:

• Duplicate or clearly erroneous charges, refunded in full.
• A billing error on our side, corrected and refunded in full.
• A first paid month that you cancel within 14 days of the initial charge without having connected a provider or run a sync — refunded in full on request.
• Extended unavailability of the platform caused by us, credited pro-rata for the affected period.
• Any refund required by mandatory consumer law in your jurisdiction, including EU/UK statutory withdrawal rights where they apply.

7. How to request a refund

Email cyberprosoftware@gmail.com with the account email, the charge date, and the amount. We acknowledge requests within 3 business days and, where approved, return funds to the original payment method within 5–10 business days depending on your bank. Approved refunds are processed through Stripe.

Please contact us before opening a chargeback — disputes take longer to resolve and may suspend access while the bank investigates.

8. Failed payments and suspension

If a charge fails, Stripe retries over several days and we email the account owner. If payment is still not collected after the retry window, the subscription is downgraded or suspended. Data is retained for 30 days after suspension so you can restore access by paying the outstanding amount; after that, organization data may be deleted as described in the Privacy Policy.

9. Trials, credits, and Enterprise terms

If a free trial or promotional credit is offered, its length and end date are shown at signup. Unless you cancel before the trial ends, the plan converts to a paid subscription at the standard price and the first charge is taken on the conversion date. Enterprise order forms govern invoicing, payment terms, and refunds where they conflict with this policy.

10. Provider costs are separate

Your SpendTensor subscription does not include the cost of AI usage with OpenAI, Anthropic, Google, Microsoft Azure, AWS, or any other provider. Those are billed directly to you by the provider and are outside our control.