Refund policy

Short version: if LOKAL is not what you expected, write to us within 14 days of your first payment and we refund it. No form, no phone call.

1. 14-day money back on a first subscription

Your first payment on a LOKAL plan, monthly or annual, is refundable in full for 14 days from the date of that payment. You do not have to justify the request. Having generated market updates in the meantime does not disqualify you: we would rather you tried the thing properly.

2. Renewals

Renewal payments are not automatically refundable, because you were notified and could cancel beforehand. Two exceptions we apply without arguing: a renewal charged after you had already cancelled, and a renewal you tell us about within 7 days having plainly not used the service in the new period.

3. Annual plans

Beyond the first 14 days, an annual plan can be cancelled at any time and runs to the end of the paid year. We do not refund the unused months by default. If your circumstances changed, say you left the profession or your brokerage bought a competing tool, write to us; we settle these case by case and we settle them generously.

4. If we end your subscription

If we stop your subscription for a reason that is not a breach of the terms, such as discontinuing a plan or being unable to keep the data current, we refund the unused part of the period automatically.

5. How to ask, and how long it takes

Email hello@ineya.studio from the address you subscribed with, saying you want a refund. You do not owe us a reason. We answer within 2 business days and issue the refund through Stripe to the original payment method. Stripe typically returns the funds to your bank within 5 to 10 business days; that last leg is your bank's timing, not ours.

6. Consumers in the European Union

If you are a consumer resident in the EU, you have a statutory 14-day right of withdrawal on distance contracts. Where the service starts immediately at your request, that right can lapse in law once performance has begun. We do not rely on that: the 14-day refund in section 1 is granted whether or not you have started using the service.

7. Chargebacks

Please email us before disputing a charge with your bank. A chargeback costs us a fee and freezes the account while it is investigated, and in practice we would have refunded you faster.

Questions about anything on this page: hello@ineya.studio.