1. Free trial

BullionFolio includes a 30-day free trial that does not require a payment method. During the trial you are not charged. The trial starts when you first sign in to the web app after verifying your email, or on your first OAuth sign-in.

You can add a payment method and choose a plan at any time from Billing. If you do not subscribe before the trial ends, access to the portfolio is gated, but your account and encrypted data remain stored. You can subscribe later and continue where you left off.

2. Paid subscriptions

Paid plans are offered on a subscription basis:

• Monthly — US$9.99 per month, renewing automatically each month until cancelled;
• Annual — US$100 per year, renewing automatically each year until cancelled; and
• Both plans include every feature.

Prices, billing intervals, and applicable taxes are shown at checkout before you confirm payment. Payments are processed by Paddle. Your bank or card issuer may apply currency-conversion or foreign-transaction fees, which are outside our control.

Being on a paid plan never removes your right to cancel future renewals — see Cancellations below.

3. How to request a refund

If you believe a charge was made in error, or you are exercising a statutory right described below, email hello@bullionfolio.com from the address registered to your account, or use the contact form, and include:

• the email address on your account;
• the date and amount of the payment you want refunded; and
• a brief reason (optional — it helps us improve).

Please note we can only accept refund requests for the last payment, and within 30 days of the purchase date. We may ask you to confirm your identity before processing a refund, for your own protection. You do not need to cancel the subscription first, but cancelling future renewals prevents another charge while the request is reviewed.

4. Refund processing

• We aim to approve or reject refund requests within 2 weeks of receiving them;
• Approved refunds are returned to the original payment method only;
• Once issued, funds typically appear within 10–15 business days, depending on your bank or card issuer (this timing is outside our control); and
• We will email you when the refund has been issued.

If we cannot refund to the original payment method (for example, because the card has expired), we will contact you to arrange an alternative.

5. Cancellations

You can cancel future renewals at any time from the Billing screen. Cancelling stops future charges — you will not be charged again.

• Your account and data remain accessible until the end of the period you have already paid for;
• We do not refund the unused part of a billing period, except where required by law;
• Cancelling does not delete your data immediately — see your privacy rights if you would also like your account closed; and
• If you cancel during the trial, there is nothing to refund because no payment was taken.

6. Changes to pricing

We may change prices or introduce new plans. If a change affects your renewal, we will give you at least 30 days’ notice by email. The new price applies from your next renewal; you can cancel before then if you do not accept it.

7. Statutory rights

This policy is intended to be at least as generous as your rights under applicable consumer law. If you are in the European Union, the UK, or another jurisdiction with a statutory cooling-off period or cancellation right, those rights apply and are not limited by this policy.

Nothing in these Terms or this policy excludes rights that cannot be excluded by law. Where a statutory right requires a refund, we will honour it.

8. Chargebacks & disputes

Please contact us first — we would much rather resolve things directly. Filing a chargeback or payment dispute without contacting us may result in temporary restriction of your account while we investigate. Nothing here limits your right to dispute a charge with your payment provider where you genuinely believe it to be unauthorised or incorrect.

9. Contact

Questions about refunds, billing, or cancellations? Email hello@bullionfolio.com or use the contact form. See also our Terms of Service and Privacy Policy.