Subscription and Billing Policy

Every account includes the free plan. Compliance verdicts are always free and unlimited. Full analyses (the reasoning, financial ratios, evidence, purification figures, and pricing behind a verdict) are included up to a monthly allowance of distinct companies or funds. Looking at the same name again in the same month does not use up your allowance.

The allowance resets on the first day of each month. Your settings page always shows the current allowance and how much of it you have used. We may change the allowance for future months as the product evolves; the number shown in your settings is the one that applies.

Pro is a paid monthly subscription. It includes:

• unlimited full analyses, with no monthly allowance;
• full ratings, ratios, and evidence on every result;
• priority data refresh.

The price is shown at checkout and in your settings before you subscribe. Prices may vary by country, and taxes such as VAT may be added where the law requires.

Payments are processed by a third-party payment provider; Xumirah never sees or stores your card number. Pro renews automatically each month and your payment method is charged at the start of each billing period, until you cancel. If a payment fails, the provider retries it; if it still fails, your account moves back to the free plan. Nothing you saved is deleted when that happens.

You can cancel at any time from your settings, with no notice period and no cancellation fee. Cancelling stops future charges. You keep Pro until the end of the period you have already paid for, and then move to the free plan.

Because you can cancel at any time and keep what you paid for, we do not generally refund partial months. We will always put right a billing mistake: if you were double-charged, charged after cancelling, or charged an amount you did not agree to, contact us and we will refund it. Where consumer law where you live gives you stronger rights, such as a statutory cooling-off period, those rights apply and nothing in this policy reduces them.

If we change the price of Pro, the new price applies to your subscription only after we have told you by email at least 30 days before it takes effect. If you do not want to pay the new price, cancel before your next renewal and you will not be charged it.

We add features to both plans over time. If we ever materially reduce what your paid plan includes during a period you have paid for, you can contact us for a pro-rata refund of that period.

Billing questions? Email hello@xumirah.com or use the contact page. Include the email address on your account so we can find your subscription quickly.