Refund Policy

1. 14-Day Money-Back Guarantee

We offer a 14-day money-back guarantee on your first purchase of any subscription plan, whether that is Kestrel Pro or one of the 28-Day Insider Challenge plans (1-Week, 4-Week, or 12-Week).

If you are not satisfied with the Service for any reason, you may request a full refund of your initial purchase within 14 calendar days of the original charge date. The 14-day window is measured from the date the payment was successfully processed.

The money-back guarantee applies only to your first paid transaction. It does not apply to renewals, subsequent purchases, or any additional plans purchased after your first one.

2. What Is Not Refundable

Refunds are not available in the following circumstances:

• Renewal charges (any charge after your first payment)
• Purchases older than 14 days from the original transaction date
• Partial usage of a subscription period
• Any second or subsequent purchase, upgrade, or re-subscription
• Accounts that have been suspended or terminated for violation of our Terms of Service
• Discounted or promotional purchases, unless explicitly stated otherwise at the time of purchase

Cancelling a subscription stops future renewal charges but does not automatically trigger a refund of previously paid amounts.

3. How to Request a Refund

To request a refund, email kestrelterminal@gmail.com from the email address associated with your account. Please include:

• Subject line: "Refund Request"
• The email address on your Kestrel account
• The approximate date of purchase
• The last four digits of the card used (if known)
• A brief explanation of the reason for the refund request

We aim to respond to all refund requests within 3 business days.

4. Refund Processing Time

Approved refunds are issued back to the original payment method used for the purchase. Processing typically takes 5 to 10 business days to appear on your statement, depending on your bank or card issuer.

We cannot process refunds to a different card or account than the one originally charged.

5. Chargebacks and Disputed Charges

If you have a billing concern, please contact us at kestrelterminal@gmail.com before filing a chargeback with your bank or card issuer. In most cases we can resolve the issue directly and faster than the chargeback process.

Chargebacks filed without first attempting to contact us may result in your account being suspended or permanently terminated, and any future purchases with the same payment method or email address being blocked.

6. No Refunds for Trading Losses

Kestrel Terminal provides data, analytics, and educational content. It does not provide investment, financial, legal, or tax advice. All trading decisions are made solely by you, and you accept full responsibility for any gains or losses.

We do not offer refunds based on the performance of any trades, missed opportunities, the accuracy of any data or signals, or the outcome of decisions you make while using the Service.

7. Temporary Authorization Holds

At checkout, our payment processor may place a temporary $1.00 authorization hold on your card to verify that the card is valid. This is not a charge and is released automatically, typically within a few business days depending on your bank. If a release does not appear, contact us and we will assist.

8. Changes to This Policy

We may update this Refund Policy from time to time. Material changes will be announced on this page and, where appropriate, communicated by email. The policy applicable to any given purchase is the version in effect on the date of that purchase.

9. Applicable Law

This Refund Policy is governed by the laws of Canada and the province of Ontario, without regard to conflict of law principles.

10. Contact Us

For any questions about refunds or this policy, email us at kestrelterminal@gmail.com.