Refund Policy

Everything below is the detail behind those three sentences. If your situation is not covered here, write to us anyway — we would far rather hear from you than leave a billing problem unresolved.

Paid subscriptions are purchased through Paddle.com Market Ltd, which acts as our Merchant of Record and is the seller for the transaction. Paddle handles payment processing, invoicing, applicable taxes and refunds. Finzya remains responsible for providing and operating the Finzya service. Because Paddle is the seller, card payments will normally appear on your statement as PADDLE.NET* FINZYA (the exact formatting may vary slightly by bank or payment method). Your invoices, your payment method and your cancellation controls all live in the billing portal you can open from your Finzya account settings.

There is no time-limited free trial, because the free plan is the trial. Finzya’s free plan is not a demo — you can add your accounts, record transactions, build budgets and use it for as long as you like without ever entering a card. We would rather you decided on the free plan than pay for a month to find out.

This is Finzya’s own voluntary guarantee, and it is separate from any statutory cancellation or withdrawal rights you may also have. It applies to your first Finzya Pro subscription, on either the monthly or the annual plan. It is unconditional: you do not have to give a reason, and nothing is deducted for the days you used it. We ask only that it is genuinely your first subscription; the guarantee is not intended to be used repeatedly on the same account.

Subscriptions renew automatically until you cancel — monthly plans every month, annual plans every year. Paddle may send renewal reminders where required by applicable law.

Depending on where you live, consumer law may give you a statutory right to cancel or withdraw from your purchase. Because Paddle is the seller of your subscription, these rights are administered in accordance with Paddle’s Buyer Terms and Refund Policy. These statutory rights are separate from Finzya’s 14-day money-back guarantee. Where our guarantee gives you a better outcome, we will honour the more generous term.

Open Finzya, go to Settings, then Subscription, and choose Manage billing. That opens Paddle’s billing portal, where you can cancel, change your payment method and download every invoice. Cancelling takes effect at the end of the period you have already paid for — you keep Pro until then, and you are not charged again.

Cancelling never deletes your data. Your account reverts to the free plan with everything you have entered still in it, and you can export it to CSV at any time, on any plan.

You can request a refund by contacting us at contact@finzya.com from the address on your Finzya account, or directly through Paddle using the support options provided with your purchase or billing account. You do not need an invoice number or an order id — the account email is enough for us to find the payment.

This list is short on purpose.

• Subscription periods outside the refund situations described above. Cancelling normally stops your next payment rather than refunding the current billing period. We may still issue a discretionary refund where a renewal was clearly unintended.
• Refunds under our voluntary money-back guarantee may be refused where we reasonably determine that an account has been used for fraud, abuse, or repeated misuse of the guarantee. This does not affect any statutory rights.
• Anything bought from someone other than Paddle — we can only refund a payment we can see.

If you think your situation is on this list but the outcome still feels wrong, write to us. The list describes our normal practice, not a set of rules we are unable to depart from.

If you do not recognise a charge or believe something has gone wrong, please contact us or Paddle before opening a dispute with your bank. We can often resolve billing issues more quickly through the normal refund process. This does not affect your right to dispute a charge with your bank or payment provider.

Nothing in this policy limits or replaces the rights you have under consumer law, including your rights under the Consumer Rights Act 2015 where applicable. Where this policy offers you more than the law requires, the more generous term applies. Where the law gives you more than this policy, the law applies.

We may update this policy from time to time. The version that applies to your purchase is the one you agreed to at checkout, and we keep a record of which version that was — a later change never applies retrospectively to a payment already made. When we make a significant change we will notify existing subscribers by email or in the app.

Refunds, billing questions and anything else about a payment: contact@finzya.com. As the seller, Paddle can also help with your purchase through the support options provided with your receipt or billing account.