Refund and Renewal Policy

Effective date: [EFFECTIVE DATE] · [LLC LEGAL NAME] d/b/a 4everintouch, [BUSINESS MAILING ADDRESS: PO box or private mailbox]

1. Summary

One refund rule for every plan: Full refund within 30 days of the purchase or of any renewal charge. No prorated refunds after that, except when we shut down (Section 13), make a material change you reject (Section 23), or materially reduce the plan's features. Referral months count once the referred family's plan is past this 30-day window.

If we choose to shut down, we will refund unused prepaid time, prorated by month. If we close because of insolvency or bankruptcy, refunds depend on what that process allows. (Terms §13)

When a 5-year term ends, nothing is deleted and nothing is charged. It does not renew; you'll choose whether to buy again at the then-current price; if you don't, the vault goes read-only. Price increases never affect a prepaid term you've already bought. Prepaid time stays with the vault, not the person: on a handoff, the plan and its paid-through date carry over to the new keeper unchanged. We email the keeper 60, 30 and 7 days before the end date.

2. Checkout disclosure (show right above the pay button, same page, easy to read)

Family (yearly):

Your Family plan renews automatically every year at $39 (plus applicable tax), charged to your card on [RENEWAL DATE] each year, until you cancel. You can cancel anytime online in Account → Billing. Cancel within 30 days of any charge for a full refund. [Terms] · [Refund and Renewal Policy]

Premium (yearly):

Your Premium plan renews automatically every year at $79 (plus applicable tax), charged to your card on [RENEWAL DATE] each year, until you cancel. You can cancel anytime online in Account → Billing. Cancel within 30 days of any charge for a full refund. [Terms] · [Refund and Renewal Policy]

Family 5-Year / Founding (prepaid):

One payment of $149 [or $129 Founding] (plus applicable tax) covers 5 years, through [END DATE]. Family 5-Year and Founding Families plans are paid once and do not renew automatically: when the 5 years end, nothing is charged. Full refund within 30 days. After that, prepaid time is non-refundable except as described in our Terms. It does not renew; you'll choose whether to buy again at the then-current price; if you don't, the vault goes read-only.

If you show a price with a referral bonus or discount, also show the full price that applies at renewal.

3. Consent checkbox (unchecked by default; pay button disabled until checked)

Yearly plans:

☐ I agree that my [Family/Premium] plan will renew automatically every year at $[39/79] plus tax until I cancel, and I agree to the [Terms of Service] and [Refund and Renewal Policy].

Prepaid plans:

☐ I agree to the [Terms of Service] and [Refund and Renewal Policy].

Store with each purchase: user ID, plan, price, the exact disclosure text version, checkbox timestamp, and IP address.

4. Confirmation email (send right after purchase)

Subject: Your 4everintouch [Family/Premium] plan is active

Hi [NAME],

Thank you. Your [Family/Premium] plan for the [VAULT NAME] vault is active.

• Charged today: $[AMOUNT] (including $[TAX] tax) on [CARD BRAND] ending [LAST4]
• Renews automatically: every year on [RENEWAL DATE] at $[39/79] plus tax, until you cancel
• Cancel anytime online: [CANCEL LINK] (Account → Billing → Cancel plan)
• Refunds: cancel within 30 days of any charge for a full refund

If you cancel, your plan stays active until [PAID-THROUGH DATE]. After that, nothing is deleted; your vault becomes read-only.

Terms: [TERMS URL] · Refund and Renewal Policy: [POLICY URL]

4everintouch · [LLC LEGAL NAME] d/b/a 4everintouch · [BUSINESS MAILING ADDRESS: PO box or private mailbox] · [SUPPORT EMAIL]

Prepaid version: replace the renewal bullet with "Covers: [START DATE] to [END DATE]. Family 5-Year and Founding Families plans are paid once and do not renew automatically: when the 5 years end, nothing is charged." and the refund bullet with "Full refund within 30 days. After that, prepaid time is non-refundable except as described in our Terms. (Refund window ends [DATE].)"

5. Renewal reminder emails (sent automatically: yearly plans 30 and 7 days before renewal; 5-year plans 60, 30 and 7 days before the end)

Subject: Your 4everintouch plan renews on [RENEWAL DATE]

Hi [NAME],

Your [Family/Premium] plan for [VAULT NAME] will renew automatically on [RENEWAL DATE] and we'll charge $[AMOUNT] plus tax to your [CARD BRAND] ending [LAST4].

• Want to keep it? No action needed.
• Want to stop? Cancel online in one click: [CANCEL LINK]
• [IF PRICE CHANGED: The price is changing from $[OLD] to $[NEW]. You can cancel before [RENEWAL DATE] to avoid the new price.]

If you're charged and change your mind, you can get a full refund within 30 days of the renewal. If you cancel, nothing is deleted. Your vault becomes read-only after [PAID-THROUGH DATE].

4everintouch · [LLC LEGAL NAME] d/b/a 4everintouch · [BUSINESS MAILING ADDRESS: PO box or private mailbox] · [SUPPORT EMAIL]

Also send a short receipt after each renewal charge, with the amount, the next renewal date, the cancel link, and the 30-day refund window.

Each reminder is sent once per period. They're built into the daily job and stay in dry-run (logged, not sent) until FEATURE_RENEWAL_EMAILS, RESEND_API_KEY and billing are all set up.

6. Online cancel flow (must be as easy as signing up)

1. Account → Billing shows each plan, the price, the next renewal date, and a visible Cancel plan button. No phone call, chat, or email is required.
2. Clicking Cancel plan opens a single confirmation screen:

   Cancel your [Family/Premium] plan? Your plan stays active until [PAID-THROUGH DATE]. After that, nothing is deleted; your vault becomes read-only, and you can still view and download everything. [IF IN REFUND WINDOW: You're within 30 days of your last charge, so you'll get a full refund of $[AMOUNT] and the plan ends today.] [IF OUTSIDE THE WINDOW: There's no refund after 30 days; your plan simply won't renew.] [Cancel plan] [Keep my plan]

3. You may show one optional save offer on that screen, but it can't block or delay cancellation. Don't use guilt-trip wording.
4. Confirmation on screen plus email:

   Subject: Your 4everintouch plan is canceled

   Your [PLAN] plan is canceled and won't renew. [Active until [DATE]. / Refund of $[AMOUNT] issued to [CARD] ending [LAST4]; allow 5–10 business days.] Nothing has been deleted. Changed your mind? Restart anytime: [LINK]

5. Prepaid plans: within 30 days of purchase the same screen offers a full refund and shows the amount before confirming. After 30 days there's no refund; the plan stays active until its end date.
6. Technically: set Stripe cancel_at_period_end (or cancel and refund immediately within the window), and log the cancellation.

7. Failed payments

We retry for up to [NUMBER] days and email the keeper each time. If payment still fails, the plan lapses to read-only. Nothing is deleted.

8. Contact

Questions or refund requests: [SUPPORT EMAIL] · [BUSINESS MAILING ADDRESS: PO box or private mailbox]