Refund & Recurrent Payment Policy

For definitions of terms, refer to the Terms of Service.

1. For issues related to payments, contact your account representative or our billing team. To request assistance, email billing@deciphercredit.com.

2. Authorization. By agreeing to this policy, you authorize Decipher Credit Solutions, Inc. to charge your specified default payment method, whether it’s a Visa, Mastercard, or other payment card every 30 days (also referred to as ‘monthly’ or ‘on a month-to-month basis’) or every year (also referred to as ‘annual’ or ‘on a year-to-year basis’), as chosen when subscribing.

3. Payment Processing:

• Payments made via our payment processor will be processed by them. Your relationship with our payment processor is governed by their terms and conditions.

4. Acceptance. By agreeing to this policy, you confirm:

• Prior to each subscription purchase, you will be informed about the payment amount, frequency, and the first payment date.
• You are not under a jurisdiction prohibiting the use of Visa, Mastercard, PayPal, or other payment institutions.
• You provided correct and full payment information to Decipher Credit Solutions.
• You have authorized Decipher Credit Solutions to conduct recurring transactions on your behalf.
• You accept responsibility for all recurring payment obligations until the subscription’s cancellation policy.

5. Payment Method Verification. You confirm that your specified payment method:

• If the payment card is legally owned by you or you have rights to use it on behalf of an entity.
• Has adequate credit/funds.
• Is operational and not compromised.

6. Automatic Charges. Payments will be processed on the due date or within a few days thereafter. Initially, you’ll be notified about upcoming transactions 24 hours in advance.

7. Payment Failures. In case of payment failure due to reasons like insufficient funds, card expiration, or account suspension, we’ll reattempt as follows:

For general payments and payments via our merchant record: We’ll retry after three days.

After three consecutive failed attempts within these time frames, recurring payments will be automatically suspended. Access to the Software’s paid features might require a new subscription for activation.

8. Cancellation. Refer to the Terms of Service.

9. Refunds. No refunds will be issued for the current subscription period, and the final active day will be the day before the next payment date.