Refunds & Cancellations

Cancel anytime. No money-back guarantee. See details below.

Last Updated: 28 January 2026

Subscription Terms Summary (ROSCA Disclosure)

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.
NO REFUNDS: Subscription fees are non-refundable. No refunds for partial periods, unused time, or downgrades.
PRICE CHANGES: We will notify you at least 30 days before any price increases. You may cancel before the new price takes effect.

This policy explains how subscriptions can be cancelled and how charges are handled.
We do not offer a money-back guarantee. Please review your plan carefully before purchasing.
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.

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.

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.

NO REFUNDS: We do not provide refunds for subscriptions, including partial periods, unused time, or plan downgrades.
CREDITS: Pay-as-you-go credits and any pre-purchased API call credits are non-refundable and non-transferable.
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.

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.

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.

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.

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.

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.

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).

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