Refund & Cancellation Policy

Last Updated: October 10, 2026

1. Free Membership

The free membership costs nothing. You can stop using it, unsubscribe from the newsletter, or ask us to delete your account at any time. See our Privacy Policy for how.

2. Cancelling a Paid Membership

• You can cancel at any time. Log in, open your account page and choose Cancel. You do not need to give a reason or contact us.
• Cancelling stops all future payments. You keep your paid access until the end of the period you have already paid for (the current month or year).
• If you cannot cancel from your account page, email us at contact@moneyjourney.finance and we will do it for you, usually within one business day.

3. 14-Day Money-Back Guarantee

If you are not happy with your paid membership, you can ask for a full refund of your first payment within 14 days of that payment. This applies to both monthly and yearly plans, whether you are a consumer in Portugal, elsewhere in the European Union or anywhere else. It is at least as generous as the 14-day right of withdrawal that EU consumers have by law for distance contracts, and it does not limit your legal rights.

To ask for the refund, email contact@moneyjourney.finance with the subject “Refund request” and the email address of your account. A short sentence such as “I withdraw from my membership” is enough. You can also use this model text: “I hereby withdraw from my contract for the MoneyJourney paid membership. Name: ___ . Account email: ___ . Date of purchase: ___ .”

4. Renewals

Paid memberships renew automatically. If a renewal payment surprises you, write to us within 7 days of the renewal charge and we will refund it, as long as you have not used the paid content in that new period. Cancelling before the renewal date avoids the charge altogether. Where we can, we send a reminder email before a yearly renewal.

5. Other Cases

• Charged by mistake or twice: we refund the extra or wrong charge in full.
• Problems accessing your paid content: tell us first. If we cannot fix it within a reasonable time, we will refund the affected period.
• After the periods above: we do not refund payments for periods in which you had access, unless the law says otherwise. Your statutory rights as a consumer are not affected.

6. How Refunds Are Paid

Refunds go back to the card or payment method you used, through Stripe. We process them within 14 days of agreeing to your request, and it can then take a few more business days for your bank to show the money. When we refund a payment, your paid access ends (and your subscription is cancelled, so no further payments are taken).

7. Please Contact Us Before a Chargeback

If something is wrong with a payment, please write to us before asking your bank for a chargeback. We answer quickly, and a direct refund is usually faster for you.

8. Contact

Questions about cancelling or refunds: contact@moneyjourney.finance, or use our Contact page. These rules are part of our Terms of Service.