Refund Policy

1. Seven-day free trial

1. 七天免费试用

PRO includes a 7-day free trial. Cancel through Paddle's customer portal before the trial ends to avoid the first charge. If a charge occurs after a timely cancellation because of a confirmed processing error, contact us for correction.

PRO 提供 7 天免费试用。在试用结束前通过 Paddle 客户门户取消，可以避免首次扣款。如果已及时取消但因确认的处理错误发生扣款，请联系我们处理。

2. First-payment refund

2. 首次付款退款

You may request a full refund within 14 calendar days after your first paid PRO charge. The request must be sent from the account email or include enough information for us and Paddle to identify the purchase.

首次 PRO 付费扣款后的 14 个自然日内，你可以申请全额退款。申请应使用账户邮箱发送，或提供足够信息供我们和 Paddle 识别该笔购买。

3. Renewal refund

3. 续费退款

You may request a refund within 7 calendar days after an automatic monthly or annual renewal charge. After that window, renewal payments are normally non-refundable unless required by law or the service was materially unavailable.

月付或年付自动续费扣款后的 7 个自然日内，你可以申请退款。超过该期限后，续费通常不予退款，但法律另有要求或服务发生重大不可用情况的除外。

4. How to request a refund

4. 如何申请退款

• Email rrrr.zhao@gmail.com with the subject “ParallelFolio refund request.”
• Include your account email and Paddle transaction or invoice number. Never send full card or bank details.
• Tell us whether the request concerns a first payment, renewal, duplicate charge, or technical problem.

• 发送邮件至 rrrr.zhao@gmail.com，主题注明“ParallelFolio 退款申请”。
• 附上账户邮箱以及 Paddle 交易号或发票号。不要发送完整银行卡或银行账户信息。
• 说明申请涉及首次付款、续费、重复扣款还是技术问题。

5. Processing and access

5. 处理方式与权益变化

Approved refunds are returned through Paddle to the original payment method. Bank or card processing times may vary. A full refund may end PRO access, but it does not delete your factual trades, cash flows, or historical decisions; plan limits may pause excess analytical paths.

Nothing in this policy limits refund or cancellation rights that cannot be waived under applicable consumer law. For charge errors or unauthorized payments, contact us promptly so we can coordinate with Paddle.

获批退款由 Paddle 原路退回，银行或卡组织处理时间可能不同。全额退款可能终止 PRO 权益，但不会删除事实交易、现金流或历史决策；超过免费方案上限的分析路径可能暂停。

本政策不限制适用消费者法律下不可放弃的退款或取消权利。如遇扣款错误或未经授权的付款，请及时联系我们，以便与 Paddle 协调处理。