Refund & Cancellation Policy

The short version

• Every paid plan is billed monthly, on a term of 1, 3 or 12 months.
• Plans renew automatically. A 3- or 12-month term renews for another term of the same length at the price then in effect. A month-to-month plan renews each month.
• You can turn off renewal at any time, online, from your account page. Turning it off stops the next term. It does not end the current one: the remaining monthly payments of your current term are still charged, and your access continues until the term ends.
• You can move to a higher plan or a longer term from your account page; moves down happen when your term ends.
• We email you before things happen: 30 to 40 days before each 3- or 12-month renewal, and separately 10 to 21 days before any price increase.
• Payments are non-refundable, and there is no cooling-off period. The exceptions are billing errors, refunds the law requires, and the few cases in Section 8.
• The free tier is not a trial. It never turns into a paid plan by itself.
• Self-serve plans are for customers in the United States.

Questions before you subscribe or turn off renewal? Write to [email protected].

1. Who this policy covers

This policy covers self-serve plans: plans you buy yourself on optionspace.ai through our checkout. Self-serve plans are for individuals using the data for their own investing (“Personal Use” in Section 4 of the Terms).

Apart from trying the free tier (Section 4 of the Terms), any business use, and any business, fund, adviser or other organization, needs a separate signed Commercial License Agreement (write to [email protected]). That agreement governs its billing, renewal and refunds instead of this policy and the Subscription Terms.

2. The free tier is not a trial

Our free tier gives you limited access to a sample of our data, without a payment method. It is not a trial: it never converts to a paid plan, and there is no charge for it. To pay, you have to choose a plan and complete checkout yourself. What the free tier includes can change at any time, and we may limit or withdraw it.

3. How paid plans are billed

• When you’re charged. Your first payment is charged when you subscribe. After that, you’re charged on the same day each month, or on the last day of any month that is shorter. For example, a plan started on January 31 is charged on February 28 (29 in a leap year), March 31, April 30, and so on. If you move to a longer term (Section 11), your billing date becomes the day you make the change.
• In advance. Each payment covers the month that starts on its date.
• Your price. Prices are in US dollars. They are shown on our pricing page and, before you pay, in the commitment box at checkout. The price for a term is fixed when the term starts and does not change during that term (Section 10), unless you change your plan yourself (Section 11).
• Taxes. Sales tax is added where it applies, based on your billing address (for example, New York sales tax). It is shown at checkout and on every receipt. A change in a tax rate, or in whether tax applies, is not a price change.
• Your payment method. You can pay by card or from a US bank account. Payments are charged to your payment method on file, through our payment processor, Stripe. We keep a token for recurring billing, not your full payment details. You can change your payment method, see invoices and update your billing address in the billing portal on your account page.
• Paying from a bank account. You connect a US bank account by signing in to your bank. At checkout you authorize us to debit it for your payments, and Stripe emails you a copy of that authorization. A bank payment can take up to 4 business days to clear; your access starts right away. If a bank payment is returned, see Section 9.
• Receipts. Every receipt shows where you are in your term, for example “Payment 4 of 12 · term ends January 31, 2028 · renews automatically.”

4. What you agree to at checkout

Checkout has two steps, and nothing is charged until both are done.

1. On our page, before you enter any payment details, we show a box headed “Your commitment.” It states your plan, the monthly price, the number of payments, the date your term ends, the deadline to turn off renewal (as a date), and the rules on refunds and failed payments. You agree by ticking a box that starts unticked. You also confirm that you are located in the United States.
2. On Stripe’s payment page, you tick a box accepting our Terms of Service and this policy. The line above the pay button repeats the renewal terms and your authorization for us to charge your payment method.

Right after you subscribe, we email you a confirmation with the same terms and instructions for turning off renewal. Please keep it.

Your plan’s specific details (its monthly price, number of payments, term dates and renewal deadline) are the ones in the commitment box you agreed to and in that confirmation email, as changed by any plan-change confirmation box you agree to later (Section 11).

We keep a record of what you agreed to: the exact text you saw, the boxes you ticked, the time, and your IP address and browser. We keep it for 3 years, or for 1 year after your subscription ends if that is later. Our Privacy Policy explains how we handle this information.

5. Automatic renewal

• Month to month: your plan renews each month until you turn off renewal.
• 3- or 12-month term: when your term ends, it renews for another term of the same length (again 3 or 12 monthly payments) at the price then in effect for your plan, unless you turn off renewal by the deadline.
• The deadline to turn off renewal is 11:59 p.m. Eastern Time on the day before your renewal date. We show it as a date at checkout, in your confirmation email, in each renewal notice and on your account page.
• A renewed term is a new commitment. Once it has started, turning off renewal stops the term after it, and the new term’s payments are charged. The only exception is the New York price-increase right in Section 10.
• If we stop offering your plan, we’ll tell you before your renewal date, and your subscription will end when your current term ends unless you choose another plan.

6. Emails we send you

We send these to the email address on your account. They come from [email protected], and replies reach a person at [email protected]. Please keep your email address current. Stripe separately emails you a receipt for each payment.

Any other email we send, such as a confirmation that you turned off renewal, is a courtesy. If one doesn’t reach you, your subscription and its payments are unaffected.

7. Turning off renewal

How: sign in at optionspace.ai, open your account page, choose Turn off renewal and confirm. It is online, available at any time, and needs no phone call, chat or form. Before you confirm, we show how many payments remain and the date your access ends.

You can also email us. Write to [email protected], for example if you can’t, or would rather not, sign in. We may ask you to confirm who you are, for example by replying from your account’s email address. If your email reaches us before your renewal deadline, we’ll turn off renewal as of the time we received it.

What it does:

• On a 3- or 12-month term: it stops the next term. The remaining monthly payments of your current term are still charged on their usual dates, and your access continues until the term ends. After that, your paid access ends and nothing further is charged.
• On a month-to-month plan: your access continues to the end of the month you’ve paid for, and nothing is charged after that.

Changed your mind? You can turn renewal back on from your account page at any time before your access ends.

What doesn’t turn off renewal: stopping using the Service, deleting your API keys, closing your account, disputing a charge, or stopping a payment or revoking your debit authorization through your bank. None of these ends your term or cancels its payments.

8. Refunds

Payments are non-refundable. There is no trial and no cooling-off period on paid plans: your commitment starts when you subscribe. We don’t refund or credit partial months, unused time, the remaining payments of a term after you turn off renewal, or payments for data you didn’t use or download, except the credit for unused time when you change plans (Section 11), which comes off your payments and isn’t paid out.

We do give refunds in these cases:

1. Duplicate charges. If you were charged twice for the same payment, we refund the extra one.
2. Billing errors. If we charged the wrong amount, charged for a plan you didn’t choose, or charged you something you didn’t owe under our terms (for example, a charge after your subscription ended), we correct it and refund the difference.
3. A price increase, for New York customers. See Section 10.
4. If we end your subscription for our own reasons and choose to refund rather than keep your access on to the end of the paid month. See Section 12.
5. If you’re outside the United States. See Section 13. This refund is automatic and in full.
6. Wherever the law requires a refund.

“The unused part” of a payment, wherever this policy refunds it, means that payment multiplied by the number of days left in the month it paid for after your subscription ends, divided by the number of days in that month.

How to ask: email [email protected] with your account email and the date of the charge, within 60 days of the charge. Refunds go back to your original payment method.

9. If a payment fails

1. Same day: we email you a link to pay or to update your payment method, and ask you to fix it within 7 days.
2. Over the next 14 days we try the payment again automatically: a card payment currently on about days 3, 7 and 14, and a bank payment at most twice, as bank rules allow.
3. Around day 7, if it’s still unpaid, we send a final notice with the date your subscription will be cancelled.
4. If it’s still unpaid on the date in the final notice (about day 14), we cancel your subscription and your paid access ends that day.

We may keep your access on while we retry. A successful payment at any point ends the process, with nothing more for you to do.

If your subscription is cancelled this way, the payment that failed and the remaining payments of your term remain due, although we may choose not to collect them. To come back, you can subscribe again at the current price, which starts a new commitment.

Bank payments. A returned bank payment is a failed payment and follows the steps above, with one exception. If your first bank payment is returned, your subscription is cancelled and your access stops right away. That payment remains due, although we may choose not to collect it. You can subscribe again.

Revoking a bank-debit authorization. You can switch to another payment method at any time in the billing portal, and we won’t debit that account again. If you revoke your debit authorization, or stop a payment through your bank, without adding another payment method, we may suspend your access until you add one. The payments you owe are not cancelled: a payment we can’t collect is handled as a failed payment.

10. Price changes

• Never in the middle of a term. The price of a 3- or 12-month term is fixed when the term starts. A new price reaches existing subscribers only when their term renews. On a month-to-month plan, it applies from a monthly payment after the notice below.
• Advance notice. Before we charge you any higher price we set (not a plan you choose yourself, Section 11), we email you a separate notice 10 to 21 days before the first higher charge. It gives the old price, the new price and the date. For a 3- or 12-month term, the renewal notice also states the renewal price.
• How to avoid it. Turn off renewal by the deadline before the first higher charge.
• New York customers. If your billing address is in New York and you’re charged a higher price that you didn’t specifically agree to, you can cancel within 14 days after that first higher charge. Write to [email protected]. Your subscription then ends, we refund the unused part of that payment, and nothing further is charged, including the rest of any new term that began with that charge. We give the same right wherever another state’s law requires it.
• What isn’t a price increase: returning to a price you specifically agreed to at checkout (for example, the full price after a discount ends), a change in sales tax, or a higher price you choose yourself by changing plans.

11. Discount codes, personal offers and plan changes

Discount codes. You enter a code on our website before going to payment, or follow a link that fills it in. Because we apply it before you agree, the commitment box shows the discounted payments, how many there are and the price afterwards.

• A code covers the number of monthly payments it states. If that is more than the payments left in your term, the rest carry into the next term, as the commitment box shows.
• After the discount ends, you pay the price shown at checkout.
• Each code has a limited number of uses and an expiry date. A code may apply only to certain plans or only to new customers. Each customer can use it once, and only one discount can apply to a subscription. Codes are non-transferable and have no cash value.
• We may withdraw a code for future use at any time. That doesn’t change a discount already applied to your subscription.

Personal offer links. A personal offer is for one person and one plan. The link works only while you’re signed in with the email address it was sent to, only for the plan it names, and only until the date it states. It is used up by the first completed checkout, and we may withdraw it before then. It can’t be combined with a discount code.

Changing your plan.

• To a higher plan on the same term: do it yourself from your account page. It starts at once. You pay the difference for the rest of your current billing month straight away, then the new price each month. Your billing date and term end stay the same. Example (figures for illustration only): from a $200-a-month plan to a $350-a-month plan on the same 12-month term, with 10 of 30 days left in the billing month: $50 plus tax today, then $350 a month.
• To a longer term: do it yourself from your account page, on the same plan or a higher one. The new term starts at once and replaces whatever is left of your current term; its remaining payments are no longer owed. Today you pay the new term’s first monthly payment, less a credit for the days left in the month you’ve already paid for. If the credit is bigger than that payment, the rest comes off your next payment. Your billing date becomes today. Example (figures for illustration only): from $250 a month, month to month, to $200 a month on a 12-month term, with 10 of 30 days left: $200 − $83.33 = $116.67 plus tax today, then $200 a month for 11 more months. You’ll see and agree to a new commitment box first. Renewal has to be on: if you’ve turned it off, turn it back on first.
• To a lower plan or a shorter term: book it on your account page. It starts when your current term ends (on month to month, your next billing date). Nothing changes until then, and you can cancel the booking until 11:59 p.m. Eastern Time the day before it starts. If you turn off renewal, the booked change doesn’t happen. If you turn renewal back on before your term ends, the booked change happens as planned.
• Paying for a change: if you pay by card, a change that costs something today happens only once the payment goes through. If a card payment doesn’t go through, nothing changes. If you pay from a bank account, it happens straight away.
• Credits: a plan-change credit comes off your payments. It isn’t paid out in cash, except if we end your subscription for our own reasons or because you’re outside the United States. It isn’t refunded if we end your subscription because you broke our terms.
• Any change to a subscription with a discount: email [email protected].

12. If we end your subscription or stop the Service

• If you break our Terms (for example, by redistributing the data, or using your plan to make a copy of it), we may suspend or end your access. Payments already made are not refunded. The remaining payments of your term remain due, although we may choose not to collect them.
• For our own reasons (for example, we stop offering the Service or your plan, or a data provider or the law requires it), we’ll give you reasonable notice where practical. Nothing further is charged, and the remaining payments of your term are not owed. For the month you’ve already paid for, we’ll either keep your access on until that month ends or refund the unused part of it.
• We may change the Service, including adding, changing or removing features and data, as our Terms of Service describe.

13. United States only

Self-serve plans are available only to customers located in the United States, and you confirm that you are at checkout. When you subscribe, we check your billing address and the country of your payment method (for a card, the country that issued it; bank accounts must be US accounts). If either is outside the United States, or if we can’t confirm that at least one is inside it, we cancel the subscription, refund your payment in full, and email you. If you’re buying for a business outside the United States, write to [email protected] about an account by invoice.

14. Disputes and chargebacks

If a charge looks wrong, please write to [email protected] first. We can usually fix billing problems faster than a bank dispute can.

If you dispute or reverse a payment through your bank or card issuer:

• While the dispute is open, we suspend your access and pause your charges. Any monthly payment that falls due during the pause is not charged, now or later. Your term’s dates don’t change. We may give the issuer our records of your subscription: what you agreed to at checkout, the emails we sent, your receipts and your usage.
• If the dispute is withdrawn or decided in our favor, we lift the suspension, and your access and your regular monthly payments then resume.
• If it is decided in your favor, we end your subscription immediately, and nothing further is charged.
• A dispute doesn’t cancel what you owe. If you dispute or reverse a payment that you authorized and owe, your obligation to pay it continues, although we may choose not to collect it.

A dispute does not turn off renewal. Your account page does that (Section 7).

15. Other things to know

• Your rights under the law. Nothing in this policy takes away a right that the law does not allow to be waived.
• Not investment advice. OptionSpace provides analytical data and tools, not investment advice. We are not a registered investment adviser, broker-dealer, commodity trading advisor or futures commission merchant, and nothing in the Service is a recommendation to buy, sell or hold anything. This policy applies regardless of any trading or investment results you have while subscribed. See Section 10 of our Terms of Service.
• Which document controls. This policy is part of our Terms of Service. On your plan’s price, number of payments and dates, the commitment box you agreed to at checkout controls, as changed by any plan-change confirmation box you agree to later. On any other billing matter, if this policy and Section 6 of the Terms conflict, Section 6 controls.
• Changes to this policy. Prices, term lengths, renewal and refund terms never change during a term, unless you change your plan yourself (Section 11). A material change to this policy applies to your subscription from your next renewal, and we’ll tell you about it before your renewal deadline. See Section 16 of the Terms.

16. Contact us

• Billing questions: [email protected]
• Commercial licenses (any business use): [email protected]
• Mail: Options Universe Inc. (d/b/a OptionSpace), 6383 Mill St, Unit 286, Rhinebeck, NY 12572
• Your subscription: the account page at optionspace.ai, where you can turn renewal off or back on, change your plan or term, and open the billing portal