Refund Policy

Nothing in this policy limits rights you have by law. If you are a consumer in the European Union, you have 14 days to withdraw from the contract without giving a reason. See the withdrawal instruction for how, and for the one case in which the right ends early: if you expressly ask us to start immediately and confirm that you thereby lose it. We ask for that confirmation at checkout and it is optional — decline it and your 14 days run in full, with access beginning afterwards.

If you are buying in a professional capacity, the withdrawal right does not apply to you, and sections 2 onwards govern.

Once the withdrawal right has ended, expired, or does not apply, payments for the Service are non-refundable in whole or in part, except where a refund is required by law or is expressly granted under section 4. This includes partial months, unused access, and periods during which you chose not to use the Service.

The monthly plan commits you to 12 months from your start date. Cancelling during that period schedules your subscription to end on the last day of the committed term. It does not end billing early and does not refund payments already taken. You remain liable for the remaining monthly payments in the committed term.

The annual plan is paid upfront for 12 months. Cancelling stops the next annual renewal; it does not refund the current year.

The billing page shows the exact date any cancellation takes effect before you confirm it.

We will refund you in the following cases:

• Duplicate or erroneous charges — billed twice for the same period, or charged after a cancellation had already taken effect. Refunded in full.
• We discontinue the Service during a period you have paid for. Refunded pro rata for the unused remainder of that period.
• A prolonged outage attributable to us that leaves the terminal unusable for an extended, continuous period within a paid month. Credited or refunded pro rata at our discretion.
• Where consumer law in your jurisdiction requires it — statutory rights are not affected by this policy and override it where they apply.

Outages of upstream third-party data sources, changes or revisions to public data, and a source becoming unavailable and being marked “not connected” are not grounds for a refund, as those are outside our control and disclosed in advance.

The Service is informational. It does not promise performance, returns, accuracy, or any particular relationship between the liquidity index and any asset price. Losses you incur in the market, disagreement with the index construction, or the index not behaving as you expected are not grounds for a refund. Please read the Disclaimer before subscribing.

Email office@bikenzo.com from the address on your account, with the date and amount of the charge and the reason for your request. We aim to respond within 5 business days. Approved refunds are returned to the original payment method via Stripe, and typically take 5–10 business days to appear.

If you publish, share or otherwise make the index or its values available to anyone outside your account, we may terminate immediately and no refund is made — of any amount, for any period, including one you have paid for and not yet used. Amounts still owed under a committed term also remain payable.

The index is the whole product; one subscriber publishing it hands it free to everyone who would otherwise pay. See section 8 and section 9 of the Terms of Service, which set out exactly which acts this covers.

If you believe a charge is wrong, please contact us first — most issues are resolved quickly. Raising a chargeback without contacting us may result in immediate suspension of your account while the dispute is investigated. Amounts properly owed under a committed term remain payable.

Stage Strategy GmbH, Mölln, Germany. office@bikenzo.com