Billing and Refund Policy

1. Plans and billing intervals

Pro and Ultimate are recurring subscriptions. Available intervals may include one, three, six, or twelve months. A multi-month plan is generally charged in full at the beginning of each interval. A twelve-month plan is charged as one twelve-month payment, not twelve monthly installments, unless checkout expressly states otherwise.

2. Automatic renewal

Your paid subscription continues and automatically renews for the same interval until you cancel it. By confirming checkout, you authorize TaroPrep and Stripe to charge the payment method for the amount and frequency shown, plus applicable taxes. The first charge occurs when checkout is completed. Each later charge occurs at the start of the next renewal period.

3. Clear purchase consent

Before checkout opens, you must affirmatively accept the current Terms and this Policy, confirm that you are 18 or have permission from a parent or guardian, and review the recurring price and interval. We retain the acceptance version, time, account, plan, quoted total, and Stripe checkout reference as a transaction record.

4. Pricing and reference amounts

The amount charged is the amount displayed by Stripe before you confirm payment. Marketing pages may also display a standard monthly reference price, term savings, campaign savings, or a monthly equivalent for a prepaid term. A reference amount is a comparison basis, not a statement that every user previously paid that price. Savings percentages are calculated from the values displayed for the selected plan and interval.

5. Promotions

Promotions may be limited by time, account, plan, or redemption count. Checkout will show whether a discount applies only to the first invoice or continues on renewal. Unless checkout states an introductory period or a future renewal price, the charged promotional subscription renews at the displayed checkout price. Complimentary Pro is separate from paid subscription discounts.

6. Complimentary access

Site-wide complimentary access does not require a card, does not start a subscription, and does not create a future charge. We may change or end complimentary access. A separately purchased plan remains active under its own billing schedule even while complimentary access is available.

7. Cancellation

You can cancel automatic renewal from Settings by selecting Manage billing and completing cancellation in the secure Stripe portal. Cancellation is effective at the end of the current paid period unless the portal expressly states otherwise. You retain paid access through that date. Cancel before the renewal date to prevent the next charge.

If the portal is unavailable, submit the contact form using the email on the paid account and choose a billing topic. We will process a valid cancellation request as of the time it was received. Uninstalling an app, abandoning an account, deleting browser data, leaving Discord, or not using TaroPrep does not cancel billing.

8. Confirmations and renewal notices

Stripe or TaroPrep provides a transaction confirmation after purchase. We provide cancellation confirmation and renewal or price-change notices where required by applicable law. Keep your account and billing email addresses current, and check spam filtering. Failure to read a properly sent notice does not itself cancel a subscription.

9. Refund policy

Except where required by law or expressly stated at checkout, payments are final and non-refundable. We do not provide automatic prorated refunds or credits for unused time, unused AI allowances, score outcomes, school decisions, account inactivity, a forgotten renewal, or a change of mind. Cancellation prevents future renewal but normally does not reverse the current charge.

Contact us promptly about duplicate charges, an incorrect amount, or an unauthorized purchase. We may request information reasonably needed to verify the account and payment. Nothing in this Policy limits a refund, withdrawal, cooling-off, or cancellation right that applicable law does not allow you to waive.

10. Failed and disputed payments

If payment fails, Stripe may retry the payment method and send recovery notices. Access may remain available briefly during recovery. We may restrict paid features if the subscription becomes unpaid, incomplete, paused, canceled, or fraudulent. You remain responsible for valid amounts incurred before cancellation.

Contact us before filing a chargeback so we can investigate. This does not restrict a lawful right to dispute an unauthorized or incorrect charge. Knowingly submitting a false payment dispute may result in account suspension and recovery of costs where permitted by law.

11. Taxes and payment processing

Stripe processes card and wallet details. TaroPrep does not store full card numbers or card security codes. You authorize Stripe to retain and use a payment method for subscription renewals. Taxes may be added when required based on the information available to us and the payment processor. You are responsible for accurate billing information.

12. Plan changes

The billing portal may allow a plan or interval change. The portal shows the effective date, any credit, proration, and amount due before confirmation. If self-service changes are unavailable, cancel renewal and purchase the desired plan after the current period, or contact us. We will not move a subscription to a more expensive plan without affirmative consent.

13. Price changes

We may change future prices. A price change applies no earlier than a future renewal and only after the notice and consent required by applicable law. You may cancel before the change takes effect. Taxes, payment network adjustments, or legally required charges may be handled as permitted by law.

14. Account deletion

Cancel paid renewal before requesting account deletion. A deletion request does not automatically reverse completed charges. We retain transaction, tax, fraud-prevention, and dispute records for legally required or reasonably necessary periods even after study data is deleted.

15. Support

Submit billing questions through the contact form using the email on the paid account. Do not send card numbers or card security codes. Include the plan, approximate date, and Stripe receipt reference if available.