Refund Policy

1.1 Renewal and Cancellation. A membership paid by card renews automatically at the end of each monthly or yearly term, at the price shown when you subscribed, until you cancel it. You can cancel at any time in Settings, under Memberships. Cancelling stops the next renewal: you keep access until the end of the term you have already paid for, and you are not charged again.

1.2 No Refunds for Partial Terms. Payments are not refunded for the unused part of a term, whether you cancel, stop using Stock Locker, or the Trader posts fewer calls than you expected.

1.3 When We Refund. We will refund a card payment in full if (a) you were charged for a renewal after you had cancelled; (b) you were charged twice for the same membership and term; (c) you were charged but a fault on our side meant you never received access to the Trader's calls; or (d) you ask within forty-eight (48) hours of being charged for a yearly renewal and have not opened any of the Trader's sealed calls since that renewal. Write to us within thirty (30) days of the charge, except in case (d).

1.4 How Refunds Are Paid. Refunds go back to the card you paid with, through our payment processor. Your bank usually shows them within five (5) to ten (10) business days. Access to the Trader's sealed calls ends when a membership is refunded.

2.1 Final on Payment. A membership paid in SOL, USDC or USDT on the Solana network does not renew automatically; it simply ends when its term runs out. The payment is a single blockchain transaction that pays each share directly to the Trader, any referrer and Stock Locker at the same moment. Blockchain payments cannot be reversed, and Stock Locker never holds the Trader's share, so crypto payments are not refunded except where the law requires it.

2.2 Mistakes. We cannot recover funds sent from the wrong wallet, in the wrong asset or on the wrong network. Check the amount and wallet before you approve a payment.

3.1 Price Changes. A Trader may change their price, and we may change it for Traders on the Leaderboard. A change never affects a term you have already paid for. If the price of a card membership changes, we will email you before your next renewal at the new price, so you can cancel first.

3.2 Chargebacks. Please write to us before disputing a charge with your bank; we can usually resolve a problem faster. While a chargeback is open we may pause the membership it concerns.

3.3 Trader Shares. When a payment is refunded or charged back, the shares paid from it to the Trader and any referrer are reversed or recovered, as set out in Section 9.9 of our Terms of Service.

3.4 Your Statutory Rights. Nothing in this policy limits any right to a refund or to cancel that you have under the consumer law of the place where you live.