Refund Policy

This Refund Policy applies to all paid services offered by Insightoryx, a Canadian company registered at 130 King Street West, Toronto, ON M5X 1A9, Canada (Business ID: 014729803). It covers our AI-powered analytics subscriptions, consulting packages, one-time audit reports, and any additional paid features available through our platform.

We designed this policy to be fair and transparent. Our goal is to ensure that every client feels confident when purchasing our services, knowing that clear options exist if the engagement does not meet expectations. We encourage all prospective clients to review this policy thoroughly before making a purchase.

This policy is governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. All monetary amounts referenced are in Canadian dollars (CAD) unless explicitly stated otherwise. Applicable taxes are handled separately and follow the refund of the base amount proportionally.

By purchasing any Insightoryx service, you acknowledge that you have read and understood this Refund Policy in its entirety. If you have questions before making a purchase, we encourage you to reach out to our team at [email protected] for clarification.

2.1 Monthly Subscriptions

If you subscribe to any of our monthly analytics plans and find that the service does not align with your expectations, you may request a full refund within 30 calendar days of your initial subscription date. This 30-day satisfaction period applies exclusively to new subscribers who have not previously held an active Insightoryx subscription.

To qualify for a full refund under the 30-day period, you must submit your request via email to [email protected] before the end of the 30th day. The email must include your full name, the email address associated with your account, and a brief explanation of why the service did not meet your needs. We use this feedback solely to improve our platform; it does not affect your eligibility for the refund.

After the initial 30-day period, monthly subscriptions are billed on a recurring basis and are non-refundable for the current billing cycle. However, you may cancel at any time to prevent future charges. Your access to the platform will remain active until the end of your current billing period.

2.2 Annual Subscriptions

Annual subscriptions also include a 30-day satisfaction period from the date of purchase. If you request a refund within this window, we will issue a full refund of the annual fee. After the 30-day window closes, annual subscriptions may be eligible for a pro-rated refund based on unused months, at the discretion of our management team. Any promotional discounts applied to the annual rate will be recalculated based on the monthly rate for the months consumed before the refund is processed.

Consulting engagements, custom analytics audits, and bespoke strategy sessions are scoped and priced individually based on the specific needs outlined during the discovery phase. These engagements involve dedicated team resources, and the refund terms differ from standard subscriptions.

3.1 Before Work Begins

If you cancel a consulting engagement before any substantive work has commenced (defined as before the delivery of the first draft deliverable or the first scheduled working session), you are eligible for a full refund of any upfront deposits or fees paid. We will process this refund within 10 business days of receiving your written cancellation request.

3.2 After Work Has Commenced

Once work has begun on a consulting engagement, refund eligibility is determined by the proportion of the project completed. We will calculate the value of work already delivered based on the agreed project milestones, and any remaining balance will be refunded. For example, if 40% of the project milestones have been delivered, 60% of the total engagement fee may be refunded, minus any third-party costs already incurred on your behalf.

3.3 Completed Engagements

Once all deliverables have been provided and the engagement is complete, the fees are considered fully earned and are non-refundable. If you are dissatisfied with the quality of a completed deliverable, we encourage you to contact us within 14 calendar days of final delivery. We will review your concerns and, where appropriate, provide revisions or adjustments at no additional cost, subject to the original scope of work.

To cancel your subscription or request a refund, follow these steps:

Cancellation requests submitted by phone or through social media channels cannot be processed. All cancellations must be submitted in writing via email to ensure proper documentation and to protect both parties.

The following items and fees are non-refundable under any circumstances:

In certain situations where a full refund does not apply but there is a legitimate reason for early termination, we may issue pro-rated credits. These credits apply to the unused portion of your subscription term and can be used toward future Insightoryx services or transferred to a different subscription tier.

Pro-rated credits are calculated on a daily basis. For annual plans, we divide the annual fee by 365 to determine the daily rate, then multiply by the number of remaining days in your subscription period. Credits are valid for 12 months from the date of issuance and cannot be exchanged for cash.

Service downgrades (switching from a higher-tier plan to a lower-tier plan) mid-cycle will result in a credit being applied to your account for the price difference, calculated on the same pro-rated daily basis. The credit will be applied to your next billing cycle automatically.

Approved refunds are returned to the original payment method used at the time of purchase. Depending on your payment provider, the refund may take an additional 5 to 15 business days to appear on your statement after we initiate the transaction on our end. We have no control over the processing times of third-party payment processors or your financial institution.

If you do not see the refund in your account after the stated time frame, we recommend first checking with your bank or payment provider. If the issue persists, contact our team and we will provide the transaction reference number and work with the payment processor to resolve the matter.

Currency conversion differences are not covered by Insightoryx. If your original payment was made in a currency other than Canadian dollars, the refunded amount may differ slightly due to exchange rate fluctuations between the date of purchase and the date of refund.

If your refund request is denied and you believe the decision was made in error, you may submit a written appeal to [email protected] with the subject line "Refund Appeal" followed by your account email. Include any supporting documentation or context that may be relevant to your case. Our management team will review the appeal within 10 business days and provide a final written response.

We aim to resolve all refund-related disputes amicably and through direct communication. If a satisfactory resolution cannot be reached, either party may pursue mediation through a mutually agreed-upon mediator in Toronto, Ontario. The costs of mediation will be shared equally between both parties.

Nothing in this policy limits your statutory rights under Canadian consumer protection laws, including the Consumer Protection Act, 2002 (Ontario). If applicable provincial or federal legislation provides stronger refund protections than those described here, the statutory provisions will take precedence.

Insightoryx reserves the right to update this Refund Policy at any time. Any changes will be posted on this page with an updated "Last Updated" date. For material changes that affect existing subscribers, we will provide a minimum of 14 days advance notice via email to the address on file. The version of the policy in effect at the time of your purchase governs the refund terms for that specific transaction.

We encourage you to revisit this page periodically to stay informed about any changes. If you continue to use our services after a policy change takes effect, you are considered to have accepted the updated terms.