Refund Policy

Last updated: September 10, 2026

This Refund Policy applies to purchases of Retirement Forecaster (the “Service”) from Data Accepted LLC. It is part of our Terms of Service.

1. 30-day, no-questions-asked guarantee

For 30 calendar days after a purchase you are entitled to a full refund of what you paid for it — no reason required and no approval needed. The refund is self-service and takes effect the moment you confirm it.

Every payment has its own 30-day window — including automatic renewals. If an annual subscription renews and you did not want it to, you have a full 30 days from that charge to refund it yourself, with the same two clicks. You do not need to have caught it in advance, and you do not need to explain yourself.

Refunding a renewal returns the money you paid for that renewal. It does not take back time you had already paid for in an earlier term and were not refunded.

Refunds are for the full amount of the purchase being refunded. They are not partial and not pro-rated — within the window you get all of it back, and outside the window the answer is described in section 3.

2. How to get your refund — two clicks

You don’t need to email anyone or wait for us to act. From your account:

1. Click Request a refund.
2. Click Confirm refund.

That’s it. Your access ends and the refund is issued to your original payment method through our payment processor (Stripe). Depending on your bank, it can take several business days for the credit to appear on your statement. Your saved scenarios are not deleted — see the Privacy Policy for how to have your data removed if you’d like it gone.

3. After 30 days

The self-service window closes 30 days after a purchase. After that:

• An annual term is not refundable for its remaining months. Thirty days is enough time to run your real numbers and decide, which is the whole reason the window exists.
• A lifetime purchase is likewise not refundable after 30 days.

We are not going to hide behind that, though. If something exceptional comes up — a billing error, a duplicate charge, a genuine problem with the Service — email [email protected] and we’ll review it case by case and be reasonable. We would rather sort out a fair complaint directly than have you take it to your bank.

A renewal you did not want is still refundable. An annual subscription renews automatically, so the charge that surprises people is the one on the anniversary. That charge gets its own full 30 days like any other — refund it yourself, keep nothing, explain nothing. And turning off automatic renewal takes two clicks in your account settings, so it does not happen twice.

4. Fair-use limits

The 30-day refund is guaranteed and automatic — we won’t second-guess it, and refunding once doesn’t stop you from buying again if you change your mind. What we do reserve is the right to decline further purchases from an identity that repeatedly buys and refunds. This keeps the guarantee fast and generous for everyone acting in good faith.

To be explicit, because a term-based product invites the question: buying an annual term, refunding it inside 30 days, and immediately buying another to reset the clock is the pattern this section is about. Buying a genuine new term after your last one has run its course is not.

5. If we discontinue the Service

We would rather you not lose time you paid for than be refunded for it afterwards, so a shutdown is designed to run terms out rather than cut them short. If we ever decide to retire the Service, this is the order of events:

1. We stop selling lifetime access as soon as retirement is under genuine consideration — before any announcement. Selling an open-ended pass while planning to close would not be honest, whatever the small print allowed.
2. On announcement day, new sign-ups close and automatic renewals are switched off. Nobody is charged for a term that begins after we have said we are closing.
3. Every annual term already paid for runs to its normal end date. You keep the full period you bought. Because we never bill more than a year ahead, this caps the wind-down at roughly twelve months from the announcement.
4. Lifetime access continues at least as long as the last annual term, so lifetime holders are never the first switched off.
5. You can export your saved scenarios throughout, and we may keep an export-only facility open after the interactive Service closes.

If a shutdown is ever too abrupt for that — and we would avoid it — the original commitment stands: if you hold an annual term that has not yet run out, we will refund the unused portion on a pro-rata basis. You paid for months you would not receive, and that money is not ours to keep.

If you hold lifetime access, there is no honest way to pro-rate an open-ended term, so we will not pretend a formula exists. Beyond the run-out period above, we handle these case by case, weighing how long you have had access and what you paid — someone who bought last month and someone who has had four years of use are not in the same position, and treating them identically would be the unfair answer, not the fair one.

This is easy to work out and easy to check because we only ever hold one term of your money at a time — we bill a year at a time, not years in advance.

6. Affiliate commissions on refunded sales

When a purchase is refunded, any affiliate commission associated with that sale is reversed or not paid, as described in the Affiliate Agreement. This does not affect your refund.

7. Contact

Questions about a refund? Contact Data Accepted LLC at [email protected].