Cancellation and refunds

A new subscription starts with a trial of 7 days. A card is required to start it, and it is authorised rather than charged.

Cancelling during the trial means no payment is ever taken. Your access ends at the end of the trial period rather than at the moment you cancel, so nothing is cut short by deciding early.

The reason a card is required at all is that it is what separates a trial from a free tier, and it is what lets the first payment happen without a second visit. If you would rather look at the product without giving a card, the public monitors are readable with no account and no payment method.

You cancel from your account page, which opens the payment provider's own billing portal. There is no form to fill in, no notice period, no retention call and nothing to email us about. You can also change the card on file or download past invoices from the same place.

A cancellation is a scheduled end, not an immediate switch-off: the subscription is marked to stop at the end of the period you have already paid for, and it does not renew after that. Nothing further is charged.

Access follows the state of the subscription and is recalculated by our servers rather than switched by hand. In practice:

• ·While the subscription is running or in its trial, you have everything the plan covers.
• ·After you cancel, you keep that access until the end of the period you have paid for. On that date it stops.
• ·Only what that subscription granted is removed. If you also hold access to a monitor for some other reason, because it was granted to you directly or came with an older arrangement, that access is untouched. This is enforced by recording where every grant came from, so a cancellation can never take away something a different arrangement gave you.
• ·Your account survives. Cancelling does not delete it. Your assistant history, your notification settings and your linked channels are still there, and resubscribing restores access without setting anything up again. Deleting the account itself is a separate request, described on the privacy page.
• ·Exports you already downloaded stay yours to read, subject to the no-redistribution rule in the terms, which does not end when the subscription does.

A failed renewal does not cut you off on the first attempt. The card issuer and the payment provider retry, we email you, and your access continues meanwhile: an expired card is the ordinary case and locking somebody out of a product they are paying for is the wrong answer to it. If the retries do not succeed, access ends.

The desk processes refund requests manually through the payment provider. A refund is not automatic when you cancel. To stop future renewals, cancel your subscription from your account as well as sending your refund request.

The guarantee covers the first subscription payment. It does not promise refunds for later renewals or for separately quoted custom projects. Any statutory rights are separate from this guarantee.

One case is worth deciding early rather than case by case: [WHAT HAPPENS IF A MONITOR YOUR PLAN COVERS IS RETIRED MID-PERIOD]. Monitors are added and retired by design, and a single-monitor subscription whose monitor is withdrawn is the clearest refund case the product can produce.

What has to be settled, in order:

• ·Whether the buyer is a consumer or a business. This product is sold to funds and to individuals alike, so both happen, and the answer differs for each. [CONSUMER OR BUSINESS: HOW IT IS DETERMINED].
• ·Which country's rules apply, which follows from where Oxon is established and where the buyer is. [APPLICABLE CONSUMER REGIME].
• ·Whether the trial changes the analysis: the first 7 days involve no payment at all, which may make the question moot in practice for most buyers, or may not. [EFFECT OF THE TRIAL ON THE CANCELLATION RIGHT].
• ·Whether the consent-and-acknowledgement mechanism should be added to the checkout. It is a small change to build, it is the standard way this is handled, and it is only worth building if counsel says the right applies here at all. [ADD CONSENT AND ACKNOWLEDGEMENT AT CHECKOUT: YES OR NO].
• ·What the model cancellation form and the statutory information look like, if they are required. [MODEL CANCELLATION FORM AND PRE-CONTRACT INFORMATION].

Until that is answered, a buyer who believes they have a statutory right to cancel should write to us and say so. We will not refuse a request on the basis of a policy this page does not yet contain.

If you do not recognise a charge, write to us before raising it with your bank. It is almost always faster, and a dispute costs both sides more than a refund does.

[WHETHER ACCESS IS SUSPENDED WHILE A DISPUTE IS OPEN], and [WHETHER A DISPUTE FEE IS PASSED ON]. Neither happens automatically in the software today.

Write to info@oxoncapital.co.uk from the address on your account, and say what you subscribed to and what you want to happen. You do not need to cancel first to ask a question about a charge, and you do not need to explain why you are leaving.

What a solicitor still has to answer

Every gap marked in the text above, gathered here. Nothing on this list has been guessed at anywhere on the page.

1. 1.Any additional refund terms for later renewals or custom projects, beyond the confirmed first-payment guarantee.
2. 2.Whether the UK or EU 14-day consumer cancellation right applies to these sales, and to which buyers.
3. 3.Whether the buyer is treated as a consumer or a business, and how that is determined at checkout.
4. 4.Whether express consent to immediate delivery and an acknowledgement of the lost right should be added to the checkout. They are not there today.
5. 5.The model cancellation form and pre-contract information, if either is required.
6. 6.What happens if a monitor covered by a subscription is retired mid-period. This is the clearest refund case the product can generate.
7. 7.The length of the grace period after a failed payment, before access ends.
8. 8.Whether access is suspended while a payment dispute is open, and whether a dispute fee is passed on.
9. 9.A response time commitment for refund and cancellation requests.