Refund Policy

Overview

At fcfos.ai, operated by Swing Trust, we are committed to providing exceptional Fractional CFO and AI consulting services. This Refund Policy outlines the circumstances under which refunds may be issued for our services.

1. General Refund Policy

Due to the nature of our professional consulting services, which involve personalized financial analysis, strategic planning, and custom deliverables, we generally do not offer refunds once services have been rendered or work has commenced. However, we understand that exceptional circumstances may arise, and we will consider refund requests on a case-by-case basis.

2. Initial Consultation Period

3. Monthly Subscription Services

3.1 Cancellation

For monthly subscription-based services:

• Cancellation Notice: You must provide at least one calendar month's written notice to cancel your subscription. Notice must be submitted via email to [email protected] or through your account settings.
• Notice Period Example: If you submit cancellation notice on January 15th, your cancellation will take effect on February 28th (or February 29th in a leap year), and you will be billed for both January and February.
• Access After Cancellation: During the notice period, you will continue to have full access to the Service and will be billed for the notice period month(s).
• No Partial Refunds: We do not provide refunds or credits for partial months of service or for the notice period. All fees paid during the notice period are non-refundable.
• Effective Date: Cancellation will take effect at the end of the calendar month following your notice period, and you will not be billed after that date.

3.2 Non-Use of Services

Refunds will not be provided for periods during which you did not use the Service but maintained an active subscription. It is your responsibility to cancel your subscription if you no longer wish to use our services.

4. Annual Subscription Services

For annual subscription-based services:

• Refund Window: A refund may be requested within 30 days of the initial purchase date, provided that no substantial work has been delivered or services rendered.
• Cancellation Notice: To cancel your annual subscription, you must provide at least one calendar month's written notice via email to [email protected].
• Access After Cancellation: You will continue to have full access to the Service until the end of your paid annual period. The subscription will not auto-renew after the notice period expires.
• Prorated Refunds: After the initial 30-day period, refunds will not be provided for the unused portion of your annual subscription, regardless of when you provide cancellation notice.

5. Custom and Enterprise Engagements

5.1 Custom Service Agreements

For custom engagements, enterprise plans, and project-based work:

• Refund terms will be specified in your individual service agreement or statement of work (SOW)
• Due to the highly customized nature of these services, refund policies will be evaluated on a case-by-case basis
• Any refund requests must be submitted in writing and will be reviewed according to the terms outlined in your service agreement

5.2 Deliverables-Based Work

For project-based engagements with specific deliverables:

• Refunds will not be provided for completed deliverables or milestones
• If you are unsatisfied with a deliverable, we will work with you to revise it according to the originally agreed-upon scope
• Refunds may be considered for uncompleted work if the engagement is terminated early, subject to the terms of your service agreement

6. Service Quality and Satisfaction

6.1 Our Commitment

We are committed to providing high-quality services that meet or exceed your expectations. If you are not satisfied with our services:

• Contact us immediately at [email protected] to discuss your concerns
• We will work with you to address any issues and find a satisfactory resolution
• We may offer additional support, revisions, or alternative solutions at no extra cost

6.2 Dispute Resolution

Before requesting a refund, we ask that you first contact us to discuss your concerns. Many issues can be resolved through open communication, and we are committed to ensuring your satisfaction with our services.

7. Extraordinary Circumstances

We understand that extraordinary circumstances may arise that are beyond your control. In such cases, we will consider refund requests on a case-by-case basis. Examples may include:

• Severe illness or medical emergency
• Company closure or bankruptcy
• Natural disasters or other force majeure events
• Technical issues on our end that prevent service delivery

Documentation may be required to support requests based on extraordinary circumstances.

8. Processing of Refunds

8.1 Refund Request Process

To request a refund:

1. Submit a written request via email to [email protected]
2. Include your account information, invoice number, and reason for the refund request
3. Provide any supporting documentation if applicable
4. Allow up to 10 business days for us to review your request and respond

8.2 Refund Method and Timeline

If your refund request is approved:

• Refunds will be issued to the original payment method used for the purchase
• Please allow 5-10 business days for the refund to appear in your account after approval
• You will receive an email confirmation once the refund has been processed

9. Non-Refundable Items and Services

The following are generally non-refundable:

• Completed deliverables, reports, or analysis
• Services that have already been rendered
• Third-party costs incurred on your behalf (e.g., software licenses, data subscriptions)
• Consulting hours that have been utilized
• Custom development or implementation work that has been completed

10. Payment Disputes and Chargebacks

If you dispute a charge with your credit card company or payment provider (a "chargeback") without first attempting to resolve the issue with us, we reserve the right to:

• Immediately suspend or terminate your access to our services
• Dispute the chargeback with evidence of services rendered
• Report the chargeback as fraudulent if we believe the dispute was made in bad faith

We strongly encourage you to contact us directly to resolve any billing concerns before initiating a chargeback.

11. Consumer Rights

Nothing in this Refund Policy is intended to limit your statutory rights as a consumer under applicable consumer protection laws. If you are a consumer in a jurisdiction that provides additional refund rights, those rights will apply in addition to this policy.

Consumers in certain jurisdictions (such as the European Union, United Kingdom, Australia, and others) may have the right to cancel certain purchases within a specified period (e.g., 14 days). Please refer to your local consumer protection laws for more information.

12. Changes to This Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website. We will notify active subscribers of material changes via email. Your continued use of our services after any changes constitutes acceptance of the modified policy.

13. Questions and Contact Information

If you have any questions about our Refund Policy or wish to request a refund, please contact us: