Refund & Cancellation Policy

1. Cancellation

You may cancel your paid subscription at any time. Cancellation takes effect at the end of your current billing period. There are no cancellation fees.

After cancellation takes effect, your account reverts to the Free Tier. You retain access to all paid features until the end of the billing period you have already paid for.

2. Refunds

Subscription fees are non-refundable. When you cancel, you are not charged for future billing periods, but no refund is issued for the current period. You retain access to paid features through the end of your current billing period.

For complete subscription terms, see Section 4 of our Terms of Service.

3. Downgrade Behavior

When your account reverts to the Free Tier after cancellation:

• Your data is preserved. All notes, payment history, documents, and other data remain in your account. We never hide loans behind the paywall.
• Premium features pause. Automated payment processing, autopay, escrow analysis, 1098 generation, late letter generation, default management workflow, wrap mortgage structures, non-standard mortgage support, portfolio analytics, and bulk import become unavailable until you re-upgrade.
• Free-tier features remain on every note. Loan tracking, amortization schedules, manual payment recording, basic monthly statements, late-day tracking, borrower portal access, and CSV/PDF data export continue for all notes — no note limit, no UPB cap.

4. How to Cancel

You can cancel your subscription in two ways:

• Account settings: Navigate to Settings in your dashboard and select “Cancel Subscription.”
• Email: Send a cancellation request to support@serveyournote.com. We will process your request within 1 business day.

5. Transaction Fee Refunds

Payment processing fees (0.8% per transaction, capped at $5) are non-refundable. These fees are processed by Stripe, Inc. and are governed by Stripe's terms of service.

6. Contact

If you have questions about cancellation, refunds, or your subscription, contact us:

ServeYourNote, LLC
13320 Morse St, Cedar Lake, IN 46303
Email: support@serveyournote.com