Cancellation & Refund Policy

InsureAudit, Inc. ("InsureAudit", "We", "Us", or "Our") operates a high-leverage, multi-tenant cloud software service structured for professional vCISOs and risk management entities. Because our automated evidence harvesting infrastructure immediately provisions dedicated cloud storage clusters, cryptographic hashing queues, and data routing pipelines upon subscription initialization, our cancellation and refund parameters are governed by the following strict definitions:

1. Subscription Autonomy and Cancellations

• Self-Service Execution: You maintain complete, 24/7 control over your software subscription tier. You can modify, downgrade, or cancel your active plan at any time by navigating directly to your vCISO Console → Billing → Manage Subscription.
• Immediate Termination Routing: Upon executing a cancellation request, your access to premium multi-tenant features, white-labeled client portals, and automated email collection loops will remain fully active until the precise expiration timestamp of your current paid billing cycle.
• Renewal Prevention: A valid cancellation stop-order stops all future automated recurring invoicing runs immediately. No further subscription charges will be executed against your registered payment asset once the request clears our billing engine.

2. Billing, Renewals, and Refund Policy

Our payment process is conducted by our online reseller and Merchant of Record, Paddle.com. Paddle handles all transaction processing, local tax compliance, and returns.

While the InsureAudit platform is designed for immediate enterprise deployment, we honor a strict 14-day refund window for initial subscription purchases in compliance with Paddle's Buyer Terms. If you determine the platform does not fit your operational workflow within the first 14 days of your initial transaction, you may request a full refund.

To initiate a refund request, please submit a ticket via your secure in-app Support Form. Our administration team will immediately authorize and process the return through Paddle's dashboard. Alternatively, buyers may contact Paddle directly at paddle.net for transaction or receipt inquiries.

Following the initial 14-day window, all subsequent recurring subscription fees are non-refundable. Downgrades or cancellations will leave your workspace active until the conclusion of your current billing cycle.

3. The Enterprise Discretion Window & Technical Outages

We recognize that enterprise systems operate in dynamic commercial environments. While our baseline rule is strict non-refundability, users may submit an exceptional administrative review request through our secure contact portal under two narrow conditions:

• Severe Infrastructure Failure: If a verified, catastrophic backend platform outage prevents data synchronization or blocks your clients from utilizing the secure portals for more than seventy-two (72) continuous hours, we will evaluate a proportional billing credit.
• Unauthorized Account Compromise: If a malicious third party breaches your account or executes unauthorized transactional tier upgrades, contact our security administration immediately. Verified malicious activity will be corrected, and unauthorized upgrades will be reversed without financial penalty.

4. Merchant of Record Processing Roles

All transaction checkouts, dynamic international tax calculations, and localized invoice generation procedures are managed securely by our authorized Merchant of Record (MoR) partners (Paddle and Stripe Managed Payments). If you initiate an unverified or fraudulent chargeback dispute with your credit card issuing bank prior to submitting an inquiry through our internal support portal, your multi-tenant workspace, associated client directories, and cryptographic evidence archives will be subject to immediate administrative suspension to isolate the data assets during investigation.

5. Contacting Our Billing Desk

To request an exceptional account evaluation, review historical enterprise invoices, or report a subscription configuration discrepancy, do not search for public support emails. Please use our secure, authenticated Billing Inquiries Form located inside your dashboard console, or submit a request through our secure support form. Our risk administration team reviews and responds to all structured support requests within two (2) business days.