Refund, Cancellation, and Billing Policy

REFUND, CANCELLATION, AND BILLING POLICY

Last Updated on August 25, 2026

GENERAL POLICY OVERVIEW

Secure Lifestyle LLC ("Company," "we," "our," or "us") provides access to software, tools, subscriptions, and related services through FinanceNavigator.io (the "Website").

By purchasing, subscribing to, or using our Services, you agree to this Refund, Cancellation, and Billing Policy in addition to our Terms of Service, Privacy Policy, and Financial & General Disclaimer.

This policy is intended to explain how billing, renewals, cancellations, and refunds work. Nothing in this policy is intended to limit any non-waivable rights you may have under applicable law.

SUBSCRIPTION AUTHORIZATION AND RECURRING BILLING

By enrolling in a subscription, you expressly authorize the Company to charge your payment method on a recurring basis until you cancel in accordance with this policy.

You acknowledge and agree that your subscription may renew automatically at the then-current rate unless canceled before renewal, charges may be billed monthly, annually, or as otherwise disclosed at checkout, and your payment method may be charged at the start of each billing cycle without additional authorization.

By completing your purchase, you confirm that you understand and agree to these recurring billing terms.

CANCELLATION POLICY (10-DAY NOTICE REQUESTED)

To help us process cancellations before a renewal is charged, we ask that cancellation requests be submitted at least ten (10) days before the scheduled renewal date.

If a cancellation request is received less than ten (10) days before renewal, the upcoming charge may already be in process or may not be avoidable. In that case, the cancellation will apply to the next billing cycle unless applicable law requires otherwise.

We recommend submitting cancellation requests as early as possible and keeping any confirmation for your records.

HOW TO CANCEL

You may cancel your subscription by emailing membercare@financenavigator.io or by using your account dashboard if that option is available in your account.

Cancellation is not effective until confirmed by the Company or completed through a self-service cancellation method we provide.

MONTHLY SUBSCRIPTIONS

Monthly subscription plans are billed in advance for each monthly billing period.

Unless required by applicable law, monthly subscription charges are non-refundable once processed, no prorated refunds or credits are issued for partial billing periods, and cancellation prevents future renewals only.

If you cancel a monthly plan, your access will generally continue through the end of the current paid billing period.

ANNUAL SUBSCRIPTIONS

Annual subscription plans are billed upfront for the full annual term.

Unless required by applicable law, annual subscription charges are non-refundable once processed, and no prorated refunds or credits are issued for unused portions of the annual term.

If you cancel an annual subscription, your access will generally continue through the end of the paid annual term, and cancellation will prevent renewal for the next term only.

FREE TRIALS AND PROMOTIONAL OFFERS

If we offer a free trial or promotional period, you must cancel before the trial or promotional period ends to avoid being charged.

If not canceled before the applicable deadline, your subscription may automatically convert to a paid plan and be billed using the payment method provided at signup or checkout.

PAYMENT PROCESSING AND THIRD-PARTY PROVIDERS

Payments may be processed through third-party providers such as Stripe or other payment processors we choose to use.

We do not control third-party payment networks, banks, or card issuers. Certain transaction fees, currency conversion charges, or processor-related fees may be non-refundable where permitted by law.

Where a refund is approved, we may deduct non-recoverable third-party processing costs if permitted by law and clearly disclosed at the time of refund.

FAILED PAYMENTS

If a payment is declined, reversed, or otherwise fails, we may retry the charge using your payment method on file.

We may suspend or terminate access to the Services for unpaid balances, and you remain responsible for any amounts properly owed.

REFUNDS, CREDITS, AND EXCEPTIONS

Except where required by applicable law or where we expressly agree otherwise in writing, subscription charges are non-refundable once processed.

We do not typically provide prorated refunds or service credits for unused time, partial billing periods, dissatisfaction with results, or failure to use the Services during an active term.

If you believe you were charged in error or have a billing concern, please contact membercare@financenavigator.io before filing a dispute so we can review the issue and try to help.

NO GUARANTEE OF RESULTS

Purchases, subscriptions, and Services are not contingent on any financial outcome or result.

No refund will be issued solely because of dissatisfaction with results, unmet expectations, financial outcomes, or interpretation of tools, dashboards, reports, projections, or scenarios.

CHARGEBACKS AND PAYMENT DISPUTES

If you believe a charge is incorrect, please contact us before initiating a chargeback or dispute with your payment provider so we have an opportunity to review and address the issue.

Improper or abusive chargebacks may result in account suspension or termination, recovery efforts for unpaid balances, and recovery of additional administrative or processing costs where permitted by law.

We reserve the right to dispute chargebacks and to provide records showing authorization, acceptance of our terms, recurring billing consent, and acknowledgment of this policy.

STATE-SPECIFIC AND LEGALLY REQUIRED DISCLOSURES

California Residents

Where required by California automatic renewal laws, subscription terms, renewal terms, pricing, and cancellation information will be presented before purchase, and a retainable confirmation of the offer will be provided after enrollment.

Texas Residents

This policy is governed by the laws identified in our Terms of Service, subject to any rights that cannot be waived under applicable consumer protection laws.

Other U.S. States and Jurisdictions

Your rights may vary depending on where you live. If applicable law grants you refund, cancellation, or renewal rights that differ from this policy, those rights will control to the extent required by law.

DISPUTE RESOLUTION

All disputes related to billing, refunds, cancellations, or payments are subject to the dispute resolution provisions set forth in the Terms of Service, including arbitration and class action waiver provisions where enforceable.

MODIFICATIONS TO THIS POLICY

We may update this policy from time to time. When we do, we will post the revised version with an updated effective date or last updated date.

Continued use of the Services after the effective date of an updated policy constitutes acceptance of the revised policy, to the extent permitted by law.

CONTACT

Secure Lifestyle LLC
812 West McDermott Ste 1102
Allen, Texas 75013

Email: membercare@financenavigator.io

If you have billing, renewal, cancellation, or refund questions, please reach out and our team will do its best to help.

FINAL ACKNOWLEDGMENT

By purchasing, subscribing to, or using the Services, you acknowledge that you have read, understood, and agreed to this Refund, Cancellation, and Billing Policy, including the recurring billing terms, cancellation timing, and refund limitations described above.