Effective Date: October 9, 2025
This Refund & Billing Policy ("Policy") sets forth the terms and conditions governing billing, subscription renewals, trial periods, and refunds for all products and services offered by Swing Stock Strategy Group, LLC ("the Company," "we," "our," or "us"). This Policy is designed to ensure transparency and protect both the Company and its customers from billing disputes and misunderstandings.
This Policy is incorporated by reference into and made an integral part of our main Terms & Conditions. By accepting the Terms & Conditions at sign-up, you simultaneously agree to be legally bound by this Refund & Billing Policy. If you do not agree with any part of this Policy, you must not purchase or use our Services.
This Policy applies to all users who purchase a membership, sign up for a free trial, are billed on a recurring basis, or request a refund for any of our Services.
This Policy shall be governed by and construed in accordance with the laws of the State of Iowa. Any refund or billing dispute shall be resolved exclusively through binding arbitration in Harrison County, Iowa, as detailed in our Terms & Conditions.
By completing a purchase, initiating a free trial, or entering your payment information, you acknowledge that you have read and understood this Policy and that your actions constitute your legally valid electronic signature, creating a binding contract under the U.S. E-SIGN Act.
If any provision of this Policy is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
You acknowledge and agree that our Services are digital educational resources delivered immediately upon purchase. Digital access is considered "delivered" once you are granted access to the platform, regardless of your usage.
The Company offers subscription-based memberships, including but not limited to monthly, annual, and promotional Founder's Rate plans as described on our website at the time of purchase.
All prices are listed in U.S. dollars (USD) and are exclusive of any applicable taxes unless otherwise stated.
Promotional rates are temporary and subject to the terms specified in the offer. Unless otherwise stated, promotional pricing applies only to the initial term and standard rates will apply upon renewal.
We reserve the right to modify pricing at any time. Any price changes will be communicated to active members at least fourteen (14) days prior to the effective date. Continued use of the Services after a price change constitutes acceptance of the new terms.
Free trials are available to new users only and are limited to one per individual.
The free trial begins immediately upon sign-up and lasts for three (3) calendar days.
UNLESS YOU CANCEL PRIOR TO THE END OF THE TRIAL PERIOD, YOUR MEMBERSHIP WILL AUTOMATICALLY CONVERT TO A PAID SUBSCRIPTION. Your payment method on file will be charged the standard membership rate on the fourth (4th) day after sign-up.
An email reminder will be sent approximately twenty-four (24) hours prior to the scheduled billing date.
By signing up for the free trial, you provide explicit consent to automatic billing upon the trial's expiration in compliance with FTC and state auto-renewal regulations.
You may cancel at any time during the trial period through your account settings or by contacting support to avoid all charges.
By purchasing a membership, you authorize the Company to charge your designated payment method for all applicable fees, including recurring charges, until your membership is canceled.
You are responsible for maintaining valid and up-to-date billing information. Failure to do so may result in suspension or termination of your membership.
All new memberships are covered by a 30-day money-back guarantee, applicable from the date of the initial paid charge after the free trial concludes.
This guarantee is available only for first-time purchases. Renewals or previously refunded accounts are not eligible.
Refund requests must be submitted in writing to our official support channel within thirty (30) calendar days from the initial charge date.
All refund requests must be made in good faith. Requests determined to be fraudulent or abusive may be denied.
No refunds will be issued under the following circumstances:
Refunds under the 30-day guarantee are limited to a single instance per customer.
We reserve the right to deny refunds and restrict future access to individuals suspected of abusing our policies, including creating multiple accounts to exploit trial periods or submitting fraudulent claims.
Before initiating a chargeback, you must first contact our support team to attempt to resolve the issue directly.
We reserve the right to contest all chargebacks and provide evidence of your agreement to this Policy to the financial institution. Any account associated with a chargeback will be immediately suspended pending resolution.
If a chargeback is found to be invalid, you agree to reimburse the Company for any associated fees and costs incurred in contesting it.
If a payment fails, we will notify you and may automatically retry the payment method. If payment is not resolved, your account will be suspended. Accounts with unresolved failed payments after ten (10) days may be permanently terminated.
You may upgrade or downgrade your plan at any time through your account settings. Downgrades take effect at the end of the current billing period.
You may cancel your membership at any time to avoid future charges. Cancellations become effective at the end of the current billing cycle, and you will retain access until that time. No prorated refunds are issued for partial billing cycles.
All promotional offers are non-transferable, have no cash value, and are subject to the specific terms stated in the offer. Unless otherwise stated, promotional pricing applies only to the initial term, and standard rates will apply upon renewal.
We reserve the right to modify our pricing or this Policy at any time. Active members will receive written notice of any material changes at least fourteen (14) days prior to the effective date. Continued use of the Services after the effective date constitutes acceptance of the new terms.
All transactions are governed by the laws of the State of Iowa, USA, regardless of your location. Prices are listed in USD, and you are responsible for any foreign transaction fees or taxes imposed by your local jurisdiction.
All refund requests must be submitted in writing through our official support channel. Requests submitted through social media or unofficial channels will not be considered valid.
To process a refund, you must provide your full name, the email address associated with the account, and the date of the charge.
All valid refund requests will be reviewed within five (5) business days. Approved refunds will be issued to the original payment method and may take up to ten (10) business days to process.
All refund and billing disputes shall be resolved exclusively through final and binding arbitration as outlined in our Terms & Conditions. You waive your right to a trial by jury.
All claims must be brought in your individual capacity and not as part of a class action.
Any billing dispute must be brought within one (1) year of the date the charge occurred.
If any provision of this Policy is found to be unenforceable, the remaining provisions will continue in full force and effect.
This Policy, together with our Terms & Conditions and other incorporated documents, constitutes the entire agreement between you and the Company regarding billing matters.
