Refund & Cancellation Policy

ArcaCentum Credit offers a free plan with no payment required and no credit card required at signup. You can explore the core product before ever paying.

• Paid plans are billed in advance on a recurring monthly or annual basis through Stripe, our payment processor.
• Your subscription renews automatically at the end of each billing period unless you cancel before the renewal date.
• Invoices and receipts are emailed to you and are available anytime from your Billing page and the Stripe customer portal.

• You may cancel your subscription at any time, no questions asked, from the Billing page inside ArcaCentum Credit or through the Stripe customer portal ("Manage Billing").
• When you cancel, your subscription remains active and you keep full access to your paid features until the end of your current billing period. You will not be charged again.
• After the period ends, your account automatically moves to the free plan — your data is retained and remains accessible under free-plan limits.
• If you change your mind before the period ends, you can resume your subscription from the Billing page.

• No partial or prorated refunds. Because you retain full access through the end of the billing period after cancelling, we do not provide refunds or credits for partial subscription periods, unused time, or unused features, except where required by applicable law.
• Billing errors and duplicate charges. If you believe you were charged in error — for example, a duplicate charge or a charge after a confirmed cancellation — contact us at support@arcacentum.com within 30 days of the charge. Verified billing errors will be refunded in full to your original payment method, typically within 5–10 business days.
• Service discontinuation. If we permanently discontinue a paid service, prepaid fees covering the discontinued period will be refunded pro-rata.

• Upgrades take effect immediately; billing is handled by Stripe according to your new plan.
• Downgrades take effect at the end of your current billing period; you keep your current plan's features until then.

• In-app: ArcaCentum Credit → Billing → Cancel subscription (or "Manage Billing" for the Stripe portal).
• Email: support@arcacentum.com — we respond to billing inquiries within 2 business days.

For full terms, see our Terms of Service and Privacy Policy.