Spend Shield

Refund Policy

Clear and transparent guidelines on subscription refunds, transaction reversals, and billing terms.

Last Updated: June 12, 2026 Version 1.0

1Overview

At Spend Shield, we strive to provide a robust multi-tenant Subscription & Expense Tracker platform. We understand that plans change, and you may occasionally need to cancel or request a refund for a billing cycle. This Refund Policy describes the conditions under which you are eligible for a refund, timelines, and the process to claim a reversal.

2Refund Eligibility Window

We provide a validation window for billing refunds based on the timing of your payment:

  • Monthly Subscriptions: You can request a full refund within 14 days of the initial purchase or monthly renewal transaction. Requests made after 14 days are ineligible for refunds.
  • Long-Term Prepayments (1, 2, or 3 Years): Annual or multi-year plans are eligible for partial or full refunds within 30 days of transaction. After 30 days, plans are non-refundable, but standard billing cancellations will apply for subsequent years.

3JazzCash Settlement & Timelines

Because Spend Shield integrates directly with JazzCash for financial gateways, all payments are routed externally:

Any approved refund will be routed back directly to the originating payment source—whether it was a JazzCash Mobile Wallet, credit card, or bank account. Due to clearing procedures, refunds typically require 3 to 5 business days to clear and show up in your account statements after billing validation.

4Downgrades & Usage Limits

If you receive a refund for a paid tier (Standard, Premium, or Team):

  • Your workspace will be immediately downgraded to the Free Plan status.
  • Your database entry limits will immediately drop to the Free Plan restriction of 5 entries.
  • If your workspace currently holds more than 5 entries (e.g. 15 entries from a Standard Plan), all extra entries will become locked or hidden from your workspace until you delete enough files to drop under the 5-entry threshold or buy a paid tier again.

5Non-Refundable Scenarios

Refunds will not be issued in the following circumstances:

  • Abuse of system resources (e.g., automated scripts trying to upload logs above plan boundaries).
  • Workspaces containing users or accounts that were deactivated by Admins due to terms violations or security breaches.
  • Third-party integrations or SMS push notification delays outside the control of our direct FastAPI server stack.

6How to Request a Refund

To initiate a refund request, the Workspace Owner must contact our billing administrators. Please send an email containing the following detail records:

  • Your registered account email.
  • Workspace name or ID (e.g. alpha-workspace).
  • Transaction Reference ID (provided by JazzCash or our dashboard invoice).
  • Date of charge and subscription plan name.
  • Reason for requesting the refund.

All refund request tickets must be emailed to: refunds@expenseshield.com. Our administrators will review the request and logs and respond within 24-48 hours.

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