Refund & Return Policy

1. Overview

FinTrack is a digital Software-as-a-Service (SaaS) product that provides personal finance management tools through a web portal and mobile application. As a digital service, FinTrack does not involve physical goods, so no physical returns are applicable.

This policy outlines the terms under which refunds may be issued for FinTrack subscription payments processed through our payment gateway.

2. Subscription Billing

FinTrack offers subscription-based premium plans billed on a recurring basis (monthly or annually). By subscribing, you authorize us to charge the applicable fee to your chosen payment method at the start of each billing cycle.

• Subscriptions auto-renew unless cancelled before the next billing date
• You will receive an email confirmation for each payment
• All prices are displayed in Pakistani Rupees (PKR) inclusive of applicable taxes

3. Refund Eligibility

We evaluate refund requests on a case-by-case basis. Refunds may be granted in the following circumstances:

• You were charged incorrectly or billed more than once for the same period
• A technical issue on our end prevented you from accessing premium features for a significant portion of your billing cycle
• You cancel within 3 days of your first-ever subscription payment and have not extensively used premium features

4. Non-Refundable Situations

Refunds will generally not be issued in the following cases:

• You simply changed your mind after the 3-day initial window
• You forgot to cancel before your subscription renewed
• You did not use the service during a billing period (unused time is not refundable)
• Your account was suspended or terminated due to violation of our Terms of Service
• Partial-month or partial-period refunds for mid-cycle cancellations

5. Cancellation Policy

You may cancel your subscription at any time through your account settings on the FinTrack web portal. Upon cancellation:

• You will retain access to premium features until the end of your current billing period
• No further charges will be applied after cancellation
• Your account will automatically revert to the free plan at the end of the paid period
• Your data will be preserved and accessible on the free plan

6. How to Request a Refund

To request a refund, please contact our support team with the following information:

• Your registered email address
• Date of the charge in question
• Reason for the refund request
• Any relevant transaction or receipt details

You can reach us at:

• Email: finance@optiwebopz.com
• Contact form: fintrack.pk/contact

We aim to respond to all refund requests within 2–3 business days.

7. Refund Processing

Approved refunds will be processed to the original payment method within 5–10 business days, depending on your bank or payment provider. You will receive an email confirmation once the refund has been initiated.

8. Disputes

If you have a billing dispute, we encourage you to contact us directly before initiating a chargeback with your bank or payment provider. We are committed to resolving issues fairly and promptly.

9. Changes to This Policy

We reserve the right to update this Refund & Return Policy at any time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of FinTrack after changes constitutes acceptance of the revised policy.

10. Contact Us

If you have questions about this policy or need assistance with a refund, please reach out:

• Email: finance@optiwebopz.com
• Phone: +92 331 026 8336
• Address: Karachi, Sindh, Pakistan
• Web: fintrack.pk