Refund Policy

1. Standard Refund Policy

All SilentSpend memberships are generally non-refundable. By subscribing, you acknowledge that you have reviewed the service features, pricing, and membership terms before payment.

This policy exists to maintain platform integrity and prevent abuse of our invite-only access model.

2. First-Month Guarantee

For new paid members (Operator and Private tiers), we offer a 14-day satisfaction guarantee.

If you're not satisfied with SilentSpend within your first 14 days of paid access, contact support for a full refund. This guarantee applies only once per customer.

Requirements for first-month refunds:

• Request must be made within 14 days of first payment
• Account must not have violated Terms of Service
• No history of previous refund requests

3. Service Disruptions

If SilentSpend experiences extended downtime or service interruptions that prevent access for more than 72 consecutive hours, affected members may request a prorated refund for the disruption period.

Planned maintenance, upgrades, or brief service interruptions do not qualify for refunds.

4. Cancellations

You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of your current billing period.

No refunds are provided for partial months or unused time within a billing cycle. You retain full access until the end of your paid period.

Annual subscriptions canceled before the renewal date will not auto-renew but are not eligible for partial refunds.

5. Account Termination

If we terminate your account due to Terms of Service violations, abuse, or fraud, no refund will be provided for any remaining subscription period.

Accounts terminated for non-payment are not eligible for refunds.

6. Billing Errors

If you believe you've been charged in error, contact support within 30 days. We will investigate and issue a refund if an error is confirmed.

This includes duplicate charges, incorrect tier billing, or charges after confirmed cancellation.

7. Refund Processing

Approved refunds are processed within 7 business days. Refunds are issued to the original payment method.

Depending on your bank or card provider, it may take 5-10 additional days for the refund to appear in your account.

8. Chargebacks

If you initiate a chargeback with your bank or card provider without first contacting SilentSpend support, your account will be immediately suspended and access revoked.

Chargeback abuse may result in permanent account termination and prohibition from future access.

We encourage you to contact us first to resolve any billing concerns before involving your bank.

9. Exceptional Circumstances

We understand that unexpected situations arise. If you have exceptional circumstances that don't fall under our standard policy, contact support.

We review each case individually and may offer discretionary refunds or credits where appropriate. These decisions are made on a case-by-case basis and do not set precedent.

10. Contact for Refund Requests

All refund requests must be submitted to hello@silentspend.com. Include your account email, reason for the request, and any relevant details.

We typically respond to refund inquiries within 2 business days.