Refund Policy

1. Overview

This Refund Policy is part of the Terms of Service between you and Finance Operating System. Fees are charged in U.S. dollars.Finance Operating System operates from the State of Florida, United States.

2. Free trial

Every new organization includes a 14-day free trial unless we state otherwise. No credit card is required to start. If you do not subscribe when the trial ends, the workspace becomes read-only. You may export data for 30 days, after which we may delete the workspace.

3. Cancellation

You may cancel at any time from Settings → Billing. Cancellation takes effect at the end of the current paid billing period. You keep paid features until then. We do not prorate unused days on a monthly plan except as stated below or required by law.

4. Refunds

• Monthly plans. Charges for the current period are non-refundable once the period has begun.
• Annual plans. If you cancel within the first 30 days of the annual term, we will refund unused full months on a pro-rata basis, minus any non-refundable pass-through fees already incurred.
• Service credits. If the Service is materially unavailable for an extended period in breach of our published status commitments, we may issue a refund or credit at our discretion or as required by Florida law.

Florida does not generally provide a cooling-off right for online business software subscriptions. This policy is the complete refund commitment unless a non-waivable statute applies to you.

5. Payroll and pass-through fees

Per-employee payroll fees, tax-filing fees, payment-processing fees, and other amounts passed through to third-party providers (including Check, Stripe, and Plaid) are not refundable once the underlying transaction has been submitted to that provider.

6. Chargebacks

Contact us before disputing a charge with your card issuer. Unwarranted chargebacks may result in suspension while we investigate. We will work in good faith to resolve billing errors.

7. How to request a refund

Email billing@financeoperatingsystem.com from the address on the organization, include the organization name or ID, and describe the request. We aim to respond within three business days (U.S. Eastern Time). Approved refunds are returned to the original payment method.

8. Data after cancellation

Export data at any time from Settings → Danger Zone (or equivalent export tools). Ledger and audit data is deleted 30 days after cancellation unless law requires retention or you ask us in writing to retain a copy for a defined period.

9. Governing law and venue

This Refund Policy is governed by the laws of the State of Florida, United States, without regard to conflict-of-law rules. Exclusive venue is the state courts of the State of Florida and the United States District Courts sitting in Florida, as stated in the Terms of Service.