Free Trial, Cancellation and Refund Policy

1. Free Trial

Eligible new customers may use AegisIQ Wealth Ledger free for 30 consecutive days.

No payment card or other payment method is required to begin the free trial. The trial does not automatically convert into a paid subscription, and AegisIQ Limited will not charge you unless an authorized user affirmatively selects a paid plan and completes the checkout process.

Unless AegisIQ Limited approves otherwise, only one free trial is available per customer, workspace, or group of related entities. Trial accounts may be subject to reasonable feature, storage, transaction, or usage limits.

At the end of the trial, paid functions may be disabled and the workspace may be placed in read-only mode until a paid subscription is activated. Trial data will be handled in accordance with the Terms of Service, Privacy Policy, and applicable data-retention policy.

Because no payment is collected for the free trial, no refund applies to the trial period.

2. Paid Subscriptions and Automatic Renewal

Paid subscriptions are offered on a monthly, annual, or separately agreed billing term. The applicable price, billing frequency, and renewal terms are shown before checkout.

Unless an Order Form states otherwise, paid subscriptions renew automatically for successive periods of the same length until cancelled.

You may cancel through the available billing portal or another cancellation method identified by AegisIQ Limited. Cancellation takes effect at the end of the current paid billing period unless applicable law requires an earlier effective date.

Cancelling a subscription prevents the next renewal charge. It does not ordinarily create a refund for the current billing period.

3. Refund Eligibility

Monthly subscriptions

Monthly subscription charges are non-refundable once the monthly billing period has begun, except in the case of a verified duplicate charge, billing error, failure by AegisIQ Limited to provide the purchased service, or where a refund is required by applicable law.

Initial annual subscription

A customer may request one full refund of its first annual subscription payment if the request is submitted within 14 calendar days after the initial annual subscription charge.

This initial annual refund is available once per customer or workspace and does not apply to a renewal, a customer that previously held a paid subscription, professional services, implementation work, migration services, usage-based charges, or third-party pass-through costs.

Annual renewals

An annual renewal charge may be refunded if the customer submits the request within seven calendar days after the renewal charge. After that period, annual renewal charges are non-refundable except where required by applicable law.

Duplicate charges and billing errors

Verified duplicate charges and billing errors will be corrected or refunded regardless of the subscription plan. Customers should report a suspected billing error promptly through the published billing-support channel.

Termination or material discontinuation by AegisIQ Limited

If AegisIQ Limited terminates a prepaid subscription without cause and the customer has not breached the Terms, or permanently discontinues a purchased service without providing a materially equivalent replacement, AegisIQ Limited will refund the prepaid fees attributable to the unused portion of the affected subscription term.

4. Non-Refundable Items

Except as expressly stated in this policy or required by applicable law, refunds are not provided for:

• partial monthly billing periods;
• unused subscription time after a voluntary cancellation;
• monthly renewal charges;
• downgrades that take effect during or after a billing period;
• add-ons after their applicable billing period has begun;
• usage-based charges already incurred;
• implementation, migration, training, consulting, or other professional services after work has begun;
• third-party data, banking, brokerage, or pass-through charges;
• accounts terminated because of fraud, abuse, illegal activity, or a material breach of the Terms; or
• foreign-exchange costs, card-issuer charges, intermediary-bank fees, or other fees imposed by a third party.

A signed Order Form or statement of work may contain different cancellation or refund terms for professional services or enterprise subscriptions. If it does, the signed document controls.

5. Requesting and Processing a Refund

A refund request must be submitted through the in-application billing-support channel or the billing contact published on the AegisIQ Wealth Ledger website. The request should identify the workspace, invoice or payment, and reason for the request.

Approved refunds will be returned to the original payment method where reasonably possible. AegisIQ Limited will normally initiate an approved refund within 10 business days. The payment processor, card issuer, or financial institution may require additional time to post the refund.

Taxes charged on a refunded amount will be adjusted to the extent required and permitted by applicable tax law. Promotional credits and account credits have no cash value and are not redeemable for cash.

6. Mandatory Rights

Nothing in this policy excludes or limits a refund, withdrawal, cancellation, service-conformity, or other consumer right that cannot lawfully be excluded or limited under applicable law.