Cancellation and Refunds Policy

All payments made to Lumexpay for OpenCredit subscriptions and ad-hoc charges are final. We do not offer refunds, whether full or partial, for any amount already paid — including for unused time remaining in a billing period after cancellation.

You can cancel your subscription at any time from your account settings, or by contacting us. Cancelling stops future auto-renewal — it does not trigger a refund for the current billing period.

Your paid plan remains active until the end of the billing period you've already paid for. After that, your account moves to the Free tier automatically. Cancelling and downgrading never deletes your data — it only changes which features you have access to going forward, per our Terms of Service.

If you believe you were charged in error (e.g. a duplicate charge or a charge after you'd already cancelled), contact us and we'll investigate. This policy governs ordinary cancellations and does not limit any rights you may have under applicable law for billing errors.