Refund Policy

The 14-day trial

Every new account gets full Pro access for 14 days. No card is collected, so no payment can be taken during the trial or when it ends. On the final day your account moves to the Free plan and keeps the Overview, Budget and Debts tabs, the Australian tax estimator and all the data you entered. You subscribe only if and when you decide to.

Because nothing is charged automatically, there is no cancellation deadline to miss.

14-day satisfaction guarantee

If you subscribe and Funance doesn't work out, request a refund within 14 days of your first payment and we'll process a full refund. You don't need to give a reason. This applies to both billing periods — monthly and annual. Refunds are processed within 5 business days; the return to your card depends on your bank, typically 3–10 business days.

After the first 14 days

• Monthly: no refund for the current month, but you can cancel any time and won't be billed again. We don't pro-rate partial months.
• Annual: no refund for the current year, but you can cancel and won't be billed when it next renews.
• Either way, cancelling drops you to the Free plan rather than locking you out. Your data stays.

How to request a refund

Use the "Request refund" button in your dashboard settings. It checks eligibility — within 14 days of payment, with an active or recent subscription — and processes automatically if eligible. Anything outside the standard policy is flagged for manual review and we'll email you within 2 business days.

You can also use Contact us in the dashboard, or email help@funance.com.au from the address on your account.

Service-fault refunds

If Funance is unusable due to our fault for more than 7 consecutive days, paying customers can request a pro-rated refund for that month — even outside the 14-day window. Email us with the affected dates.

Non-refundable situations

• You didn't use the service after paying
• You changed your mind after the 14-day window has passed
• Charges resulting from misuse or violations of our Terms of Service

Disputes and chargebacks

Please request a refund through the in-app button, or email us, before initiating a chargeback with your bank. We'd much rather solve a problem directly than fight it via Stripe — chargebacks cost us money even when we win, and we'd rather give you the refund than spend it on dispute fees.

Australian Consumer Law

Nothing in this policy limits your rights under Australian Consumer Law. If you believe Funance has a fault that breaches a consumer guarantee — fitness for purpose or acceptable quality, for example — you may be entitled to a refund or replacement under the law regardless of the timing rules above.