Refund & Cancellation Policy

Last updated 27 October 2026

Simple version: cancel whenever you like, and if a paid plan isn't for you, ask within 14 days of paying for a full refund.

1. Cancelling

  • You can cancel a paid plan at any time from your account, or by emailing lumivartrading@gmail.com from the address on your account. Cancelling is as easy as signing up.
  • After you cancel, you keep your paid features until the end of the month or year you've already paid for. You won't be charged again.
  • When the paid period ends, your account moves to the free Starter plan. Your journal, trades and notes stay. Nothing is deleted unless you delete your account.

2. 14-day money-back guarantee

  • If you're not happy, email lumivartrading@gmail.com within 14 days of your first payment for a paid plan and we'll refund it in full. You don't need to give a reason.
  • For yearly plans, the same applies within 14 days of each yearly renewal.
  • This goes beyond your legal right to withdraw (under EU law we could deduct the days you used; we don't).

3. Other renewals

Monthly renewals after your first payment aren't refunded for part-used months. Cancel any time before the next renewal date to stop future charges. If you were charged after you tried to cancel, or something went wrong on our side, email us and we'll put it right.

4. Upgrades and downgrades

  • Upgrading (for example Pro to Educational) starts straight away. You're charged the difference for the rest of the current period.
  • Downgrading takes effect at your next renewal, so you keep what you've paid for until then.

5. How refunds are paid

Refunds go back to the original payment method, usually within 5 to 10 working days of approval depending on your bank. We'll confirm by email. Once a plan is refunded, it ends and your account returns to Starter.

6. Your legal rights

This policy doesn't affect your statutory rights as a consumer, including your right to withdraw from a distance contract within 14 days and your rights if the service isn't as described. If a paid feature doesn't work as it should and we can't fix it, you can ask for a refund for the affected period.

Questions about this page? Email lumivartrading@gmail.com.