WHAT YOU ARE PURCHASING: Access to Pearlixa's cryptocurrency prediction API and analytical tools. This is an information service, NOT investment advice.
RECURRING CHARGES: By subscribing, you authorize Pearlixa to charge your payment method on a recurring basis (monthly or annually) until you cancel.
BILLING DESCRIPTOR: Charges will appear on your statement as "PEARLIXA" or "PEARLIXA.COM".
CANCELLATION: You may cancel at any time through your account dashboard or by emailing support@pearlixa.com. Cancellation takes effect at the end of your current billing period.
REFUND POLICY: Subscription fees are generally non-refundable. No refunds for partial periods, unused time, or downgrades — except as required by applicable law (including EU statutory withdrawal rights described below).
PRICE CHANGES: We will notify you at least 30 days before any price increases. You may cancel before the new price takes effect.

Policy Overview

This policy explains how subscriptions can be cancelled and how charges are handled.
We do not offer a voluntary money-back guarantee. EU/EEA consumers retain their statutory 14-day right of withdrawal as described in the EU Consumer Rights section below — this cannot be contractually excluded.
IMPORTANT: Pearlixa is an information service ONLY. Subscription fees are for access to our analytical tools and data, NOT for investment advice or guaranteed returns.
By subscribing, you acknowledge that you have read and agree to these terms.

Billing & Payment

PAYMENT PROCESSOR: All payments are processed securely through Stripe. We do not store your full credit card details.
BILLING DESCRIPTOR: Charges appear on your statement as "PEARLIXA" or "PEARLIXA.COM".
ACCEPTED METHODS: Credit cards (Visa, Mastercard, American Express) and debit cards.
CURRENCY: All prices are in USD. Currency conversion fees may apply if your card is in a different currency.
INVOICES: Invoices are automatically sent to your registered email address after each charge.
TAX: Prices exclude applicable taxes (VAT, sales tax, etc.) which will be added where required by law.

How to Cancel

SELF-SERVICE: Cancel anytime from your account dashboard at Dashboard → Billing → Cancel Subscription.
BY EMAIL: Send a cancellation request to support@pearlixa.com from your registered email address.
EFFECTIVE DATE: Cancellation takes effect at the end of your current billing period. You retain access until then.
NO FUTURE CHARGES: Once cancelled, you will not be charged again unless you reactivate your subscription.
DATA RETENTION: Your account data is retained for 30 days after cancellation to allow reactivation. After 30 days, data may be deleted.
REACTIVATION: You can reactivate your subscription at any time from your account dashboard.

Refund Policy

GENERAL POLICY: We do not provide refunds for subscriptions, including partial periods, unused time, or plan downgrades — except as required by applicable law.
EU/EEA CONSUMERS: Your statutory 14-day right of withdrawal applies to your first purchase unless waived at checkout by requesting immediate service access. See the EU Consumer Rights section below.
PER-CALL FEES: Metered per-call charges already consumed are non-refundable.
ANNUAL PLANS: Annual subscription fees are non-refundable, even if you cancel before the year ends.
EXCEPTIONS: Refunds may be considered only in cases of: (1) Duplicate charges due to technical error, (2) Charges after confirmed cancellation, or (3) Unauthorized charges (fraud). Contact support with evidence.
BILLING ERRORS: If you believe a charge is incorrect, contact support@pearlixa.com within 30 days of the charge.

Chargeback Policy

CONTACT US FIRST: Please contact support@pearlixa.com before initiating a chargeback with your bank. We can often resolve issues faster.
CHARGEBACK CONSEQUENCES: Filing a chargeback may result in immediate account suspension and loss of access to all services.
FRAUDULENT CHARGEBACKS: Chargebacks filed for legitimate charges may result in permanent account termination and collection action for amounts owed.
DISPUTE RESOLUTION: We will provide all transaction evidence to your bank during the dispute process.
REINSTATEMENT: If a chargeback is resolved in your favor, your account will not be automatically reinstated. Contact support to discuss options.

Payment Failures

RETRY SCHEDULE: If a payment fails, we will automatically retry 3 times over 7 days.
NOTIFICATION: You will receive email notifications about failed payments with instructions to update your payment method.
GRACE PERIOD: Your service continues during the retry period. After all retries fail, your subscription is suspended.
SUSPENSION: During suspension, you lose access to API calls but your account data is preserved for 30 days.
REACTIVATION: Update your payment method to reactivate. Outstanding balances must be paid before reactivation.
ACCOUNT CLOSURE: After 30 days of payment failure, your account may be closed and data deleted.

Plan Changes (Upgrades & Downgrades)

UPGRADES: Upgrades take effect immediately. You are charged the prorated difference for the remainder of your billing period.
DOWNGRADES: Downgrades take effect at the start of your next billing period. You retain current plan features until then.
NO REFUND FOR DOWNGRADES: Downgrading does not entitle you to a refund for the current period.
ANNUAL TO MONTHLY: Switching from annual to monthly billing takes effect after your annual term ends.
ENTERPRISE PLANS: Enterprise plan changes may have different terms as specified in your agreement.

Free Trial Terms

TRIAL AVAILABILITY: Free trials may be offered at our discretion for new users.
NO PAYMENT REQUIRED: Free trials do not require a credit card unless otherwise specified.
TRIAL LIMITATIONS: Free trials have limited API calls and feature access as described at signup.
CONVERSION: At trial end, you must actively subscribe to continue. We do not auto-charge without your consent.
ONE TRIAL PER USER: Free trials are limited to one per person/organization. Creating multiple accounts for additional trials is prohibited.

Auto-Renewal Terms

AUTOMATIC RENEWAL: Subscriptions renew automatically at the end of each billing period (monthly or annually) unless cancelled.
RENEWAL PRICE: You will be charged the current subscription price at renewal time.
PRICE CHANGES: We provide at least 30 days notice before price increases. Your next renewal will be at the new price unless you cancel.
RENEWAL CONFIRMATION: You will receive an email confirmation after each successful renewal.
REMINDER EMAILS: We send renewal reminder emails 7 days before annual plan renewals.

Contact & Support

BILLING SUPPORT: support@pearlixa.com
RESPONSE TIME: We respond to billing inquiries within 1-2 business days.
REQUIRED INFORMATION: When contacting support, include your account email, last 4 digits of payment method, and description of the issue.
BUSINESS HOURS: Monday-Friday, 9:00 AM - 6:00 PM PST (excluding US holidays).

EU / EEA Consumer Withdrawal Rights

EU 14-DAY RIGHT OF WITHDRAWAL: Under EU Directive 2011/83/EU (Consumer Rights Directive), EU/EEA consumers normally have a 14-day right to withdraw from distance contracts without giving a reason.
WAIVER FOR DIGITAL SERVICES: By completing your subscription and requesting immediate access to Pearlixa's digital services, you expressly consent to the immediate commencement of performance and acknowledge that you lose your right of withdrawal once the service has been fully performed, in accordance with Article 16(m) of Directive 2011/83/EU.
WHAT THIS MEANS: When you click "Subscribe" and your access is activated immediately, you waive the 14-day withdrawal right. You confirm this acknowledgment during the checkout process.
EXCEPTION — TECHNICAL FAILURE: If you were charged but were unable to access the service due to a technical error on our side, you remain entitled to a full refund regardless of this waiver.
EU REFUND TIMEFRAME: Where a refund is owed (e.g., duplicate charge, technical failure), we will process it within 14 days as required by EU consumer law.
UK CONSUMERS: UK consumers are subject to equivalent provisions under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 (SI 2013/3134). The same digital content waiver applies.
CONTACT FOR EU MATTERS: For EU consumer rights inquiries, contact support@pearlixa.com or write to: Tarik Turhan, Meisenweg 3, 73249 Wernau (Neckar), Germany.

CRITICAL: Investment Disclaimer

Pearlixa is a technology and information service provider ONLY. We are NOT a registered investment adviser, broker-dealer, or financial institution.
We are NOT registered with the SEC, FCA, or any other financial regulatory authority worldwide.
Subscription fees provide access to our analytical tools and data. NO REFUNDS are provided based on investment outcomes or prediction accuracy.
Our predictions MAY BE COMPLETELY WRONG. Past performance does NOT guarantee future results. You may lose ALL of your investment.
REFUNDS ARE NEVER ISSUED FOR TRADING LOSSES or because predictions were inaccurate.
All investment decisions are YOUR sole responsibility. Always consult qualified, licensed financial professionals before making any investment decisions.

For billing questions, email support@pearlixa.com