Cancellation & Refund Policy • Lumnex Financial Intelligence

1. Overview & Policy Objective

At Lumnex (accessible at https://lumnex.click and https://www.lumnex.click), we strive to provide transparent, equitable billing terms for our software-as-a-service (SaaS) subscriptions. This Cancellation and Refund Policy outlines your rights regarding subscription cancellations, renewal management, and refund eligibility.

2. Subscription Cancellation Procedure

You may cancel your paid Lumnex subscription (Monthly Pro or Yearly Pro) at any time directly through your account:

Log into your Lumnex account at lumnex.click.
Navigate to Settings > Subscription & SaaS Plans.
Select Downgrade to Free or manage your active subscription.

        Access Until Period End: When you cancel a paid plan, your Pro benefits remain active until the conclusion of your current billing cycle (month or year). Your account will not be billed again upon expiration of the current paid term.
      

3. 14-Day Money-Back Guarantee (Initial Purchase)

We offer a 14-Day Satisfaction Guarantee on your initial paid subscription purchase:

Eligibility Window: If you are dissatisfied with Lumnex for any reason within fourteen (14) calendar days of your initial subscription purchase (Monthly or Yearly), you may request a full refund.
Application: This guarantee applies exclusively to first-time subscription activations.
No Return of Physical Goods: As Lumnex is a digital cloud software product, there are no physical items to package, return, or ship back.

4. Recurring Billing & Non-Refundable Items

Monthly Plan Renewals: Monthly subscription renewals are generally non-refundable once the monthly billing period has commenced, as services and infrastructure are provisioned immediately upon renewal.
Yearly Plan Proration: Yearly subscription holders requesting a refund after the initial 14-day window may, at our discretion, be eligible for a prorated refund for unused full calendar months remaining on their annual term.
Free Tier: The Free plan carries no monetary charge and is not subject to billing or refunds.

5. How to Request a Refund

To submit a refund request, please email our billing team with your account details:

Email: billing@lumnex.click or support@lumnex.click
Subject Line: Refund Request — [Your Registered Email]
Information Required: Your account email, transaction ID, date of payment, and a brief description of the reason for the request.

Our team reviews all refund requests within 2 business days. Once approved, refunds are credited back to the original payment method (via Safepay or the issuing bank) within 5 to 10 business days, depending on your financial institution.

6. Chargebacks & Payment Disputes

We encourage users to reach out directly to our support team to resolve any billing discrepancies before initiating a bank chargeback. In the event of an unverified chargeback, the associated Lumnex account will be temporarily suspended pending dispute resolution.

7. Modifications to this Policy

Lumnex reserves the right to revise this Cancellation and Refund Policy at any time. Any changes will be published directly on this page with an updated timestamp.

8. Contact Us

For questions regarding your billing status, invoices, or cancellation:

billing@lumnex.click • support@lumnex.click