1. Scope & Applicability

This Refund Policy governs how refunds are handled for subscription fees charged by My Plannery, Inc. (“Plannery,” “we,” “us,” “our”) to its merchant users (“Merchants”) and for payments processed through the Plannery platform between Merchants and their end-customers (“Clients”).

It forms part of the Terms of Service and applies to all U.S. users of MyPlannery’s Services.

2. Subscription Fees

• Subscription fees are billed at the start of each billing period.
• Once a billing period begins, subscription fees are non-refundable except in cases of confirmed billing error.
• Annual plans may be downgraded at renewal. Fees for the current term remain non-refundable.
• No payment method is required during the free trial. You will only be charged after you choose and activate a paid subscription plan.

3. Optional Features, Usage-Based Fees & Processing Fees

• Certain features and services incur usage-based fees, including payment processing, instant payouts, account updater, the Surcharging Program, and other optional enhancements.
• All such fees are non-refundable once a transaction is processed or a service is used.
• These fees cover third-party network, processor, and compliance costs and remain due even if a transaction is later refunded.
• If a transaction included a surcharge, the Merchant is responsible for refunding the full amount charged to the Client, including the surcharge. MyPlannery does not reimburse or credit processing or compliance-related fees.

4. Merchant Responsibility for Client Refunds

• Merchants are solely responsible for refunds owed to their Clients for services or events they provide.
• When a Merchant initiates a refund through the MyPlannery application, Plannery will process that refund automatically and:
  
  • deduct the refunded amount (including applicable processing costs) from the Merchant’s next payout, or
  • if necessary, debit the Merchant’s linked bank account to cover the refund.
• Merchants may alternatively issue a refund to their Client outside of Plannery (e.g., cash or check). If they do so, they should record the refund manually within MyPlannery to maintain accurate reporting.
• MyPlannery does not assume or accept liability for Merchant refund obligations. Our role is limited to facilitating payment processing.
  
  

5. Billing Errors & Exceptions

• If a Merchant believes they were billed incorrectly (for example, duplicate charge or wrong plan rate), they must notify MyPlannery at hello@myplannery.com within 30 days of the charge.
• If MyPlannery confirms a billing error, a credit or refund will be issued typically to the original payment method within 30 business days.
• MyPlannery reserves sole discretion to determine refund eligibility for billing errors.
  
  

6. Refund Method & Timing

• Refunds processed through MyPlannery are returned to the Client’s original payment method unless that payment method cannot accept refunds (e.g., closed account).
• Refund processing times vary by bank and network, typically 5–10 business days.
• For manual refunds (cash/check) handled outside the platform, Merchants are responsible for delivery and record-keeping.

7. Compliance & Updates

• This policy is governed by Delaware law and U.S. payment-network rules (Visa, Mastercard, Amex, Discover, NACHA).
• MyPlannery may update this policy to reflect regulatory or network changes. Revised versions will be posted on www.myplannery.com and become effective upon posting.