Refund Policy

1. Overview

AdvisorHub LLC operates FundReadi (fundreadi.com). This Refund Policy describes the limited circumstances under which we issue refunds for subscription charges. By subscribing, you agree to the terms of this policy.

2. Subscriptions Are Non-Refundable

Subscription payments are non-refundable, except in the specific circumstances described in Section 3 below or where applicable law requires a refund. We do not offer satisfaction-based refunds.

You may cancel your subscription at any time online from the Billing page of your account. Cancellation takes effect at the end of the billing cycle you have already paid for, and you keep access to your reports, analyses and account until then; credit alerts and report refreshes end on the day before the last day of the calendar month in which you cancel. We do not pro-rate refunds for the unused portion of a billing cycle. For any billing question, email info@fundreadi.com.

3. When We Refund

We will issue a refund only in the following situations:

3.1 Monitoring Could Not Be Activated After Payment

Identity verification happens before payment. If you complete payment for a credit-monitoring plan (Standard or Premium) and we are then unable to activate credit monitoring for you, you may request a refund of that charge by contacting support, provided monitoring was not activated successfully afterward.

If identity verification itself does not succeed, that happens before payment, so you are never charged and there is nothing to refund. See our FAQ for what to do if verification does not go through.

3.2 Billing Errors

We will also refund a charge in the following cases:

• Duplicate charges on the same subscription billing cycle
• Unauthorized charges where you can demonstrate the payment method was used without your authorization, subject to verification
• Billing errors attributable to our processing systems

3.3 An Upload Plan Replaced by a Credit-Monitoring Plan

If you subscribe to the Upload plan and then subscribe to a credit-monitoring plan within 30 days of the Upload charge, we refund that Upload charge to your original payment method automatically when the monitoring plan starts. No request is needed. The Upload plan ends at that moment; the monitoring plan is unaffected.

3.4 A FundReadi Report We Could Not Build

If a FundReadi Report your plan includes fails to build because of a problem on our side (your first report, a monthly report, or the full written report on a plan that includes it), we rebuild it at no charge. If it still has not been delivered 7 days after it failed, you may request a refund of the charge for the billing period that report belongs to.

If a report could not be built because the credit data we received for it was incomplete, we will contact you and refund the charge for that billing period. You do not need to ask.

A report that is waiting on your credit file from the bureau, or on answers your business journey still needs, has not failed.

4. What We Do Not Refund

We do not offer trial periods or satisfaction-based money-back guarantees. We encourage you to review the product description, pricing page, and sample analyses before subscribing.

5. Requesting a Refund

To request a refund under Section 3, contact us at info@fundreadi.com with the following:

• Your account email address
• Transaction date and amount
• Last four digits of the payment method used
• The specific Section 3 ground on which you are requesting the refund
• Any supporting documentation (screenshots, error messages, timestamps)

We will review and respond within 3 to 5 business days. Approved refunds are processed to your original payment method within 7 to 10 business days.

6. Chargebacks

If you initiate a chargeback with your bank or card issuer before contacting us:

Please contact us directly before initiating a chargeback. We resolve legitimate billing problems faster and more cleanly than the card-issuer dispute process.

7. Plan Changes and Add-Ons

Upgrades take effect immediately: on the day you upgrade we charge the monthly price difference between your plan and the new plan, and the new price applies from your next billing date. Downgrades take effect at your next billing date. Neither creates a refund or credit for the current billing cycle. Additional business journeys are separate monthly add-ons and follow this policy in the same way.

8. State-Specific Rights

Some states provide consumer-protection rights, including cancellation rights or cooling-off periods, that override the general terms of this policy. Nothing in this policy limits any right you may have under applicable state or federal law.

If you believe you are entitled to a refund under applicable law, contact us with the details and the legal basis for your claim.

9. Changes to This Policy

We may update this Refund Policy. Material changes will be communicated by email or in-product notice. Changes do not affect refund requests submitted before the change takes effect.

10. Contact Information