This policy explains how billing, cancellation and refunds work for paid Epocra plans. It adds detail to sections 9 and 10 of our Terms of Use.

1. How billing works

• Paid plans are monthly subscriptions. Current plans and prices, in US dollars, are on our pricing page.
• Each billing period is charged in advance, at the start of the period, to the card on your account.
• Your plan renews automatically every month until you cancel.
• If a price changes, we tell you before the new price takes effect.

2. Free trials

A free trial never turns into a paid subscription on its own. You are only charged after you choose a paid plan yourself. If a trial ends and you have not chosen a plan, nothing is charged.

3. How to cancel

You can cancel at any time. Email us to cancel from the email address on your account (the link writes the message for you), or send a message from our contact page with the topic Billing. We confirm every cancellation by email.

A cancellation counts from the moment we receive it, so one sent before your renewal date stops the next charge, even if our confirmation arrives later.

When you cancel:

• You are not charged again.
• Your plan stays active until the end of the billing period you already paid for, and then it ends.
• The payment for that last period is not refunded.

Deleting your account in Settings also ends your subscription, but it closes the account right away, so you lose the rest of the paid period. If you only want to stop paying, cancel instead. Our account deletion page explains what is removed and when.

4. Changing plans

• Upgrades take effect right away. You pay the difference between the two plans for the days left in the current billing period.
• Downgrades take effect at the start of your next billing period. You keep your current plan until then, and the current period is not refunded. You can undo a scheduled downgrade any time before it starts.

5. Refunds

Subscription fees are non-refundable, except where the law requires a refund. That includes partial months, minutes or recording hours you did not use, and the rest of a billing period after you downgrade or cancel.

Charges made in error. If we charged you twice, charged you after you cancelled, or charged the wrong amount, we refund the incorrect amount in full to the card you paid with. Your bank usually shows the refund within 5 to 10 business days.

If we close an account because it broke our Terms, its fees are not refunded, as section 10 of the Terms of Use explains.

6. Questions about a charge

If a charge looks wrong, email info@epocra.com or use our contact page. Support hours are Monday to Friday, 9 AM to 5 PM Hawaii time. We reply the same business day to messages received during those hours, and the next business day to anything sent after hours.

Please contact us before disputing a charge with your bank. While a dispute is open we may suspend the account, as section 9 of the Terms of Use explains.

7. Contact