Refund policy
What BankFees charges, what is final once an operation begins, and the three cases in which money is refunded.
1. Defined terms
- Provider
- After Clinic Solutions Limited (C 116428), , operator of BankFees and the party receiving payment.
- Client
- The account holder who validated an order on https://www.bank-fees.com.
- Trial
- The introductory offer of 48 hours charged at $1.85 including tax on first subscription.
- Flat Rate
- The monthly subscription following the Trial, with no lock-in period: Monthly at $100.94 incl. tax, Professional at $203.94 incl. tax.
- Operation
- Any act performed by BankFees for the Client: detecting a subscription, optimizing a payment, filing a claim, canceling a contract, or issuing proof.
- Period started
- A monthly period that has started, whether the Client has used it or not.
2. Scope
This policy states when an amount paid on https://www.bank-fees.com can be refunded, according to the rules governing cross-border e-commerce. It supplements the general terms and conditions of sale and use of BankFees rather than replacing them. The Supplier is After Clinic Solutions Limited (C 116428), , reachable on billing questions at [email protected].
3. What is Billed and When
| Step | Total amount | Trigger |
|---|---|---|
| 48 Hour Trial | $1.85 | Order Validation |
| Monthly plan | $100.94 per month | Trial End, then Same Day Each Month |
| Professional plan | $203.94 per month | Trial End, then Same Day Each Month |
| Minimum if Trial is cancelled in time | $1.85 | No additional amount is due |
| Minimum if Trial ends on Monthly plan | $102.79 | Trial plus one month |
| Minimum if Trial ends on Professional plan | $205.79 | Trial plus one month |
The Plan has no minimum duration. It renews until the Customer stops it according to clause 7.
4. When an Operation is Considered Performed
An Operation is performed, and thus fully billable, from the moment indicated against it. Access to the Services constitutes in itself the full performance of the Trial.
- Detection: when the account is activated and the list of recurring withdrawals appears.
- Optimization: when comparison and savings figure are transmitted to account.
- Claim: when the claim file is validated and sent to the merchant.
- Cancellation: when the letter is generated or transmitted, whichever occurs first.
- Proof: when the certificate and its timestamp are issued.
5. Final amounts and refundable amounts
| Element | Status |
|---|---|
| 48 hours trial ($1.85) | Final, Non-refundable |
| Period started on one or the other plan | Final, Non-refundable |
| Operation performed or undertaken: AI writing, electronic delivery | Final, Non-refundable |
| Bank fees, transaction fees, currency conversion fees | Final, Non-refundable |
| Double charge, unauthorized transaction, qualified failure | Partially refundable, under clause 8 |
6. Waiver of withdrawal right
By validating the order, the Customer requests that Services begin immediately and, under Article L.221-25 of the Consumer Code (EU), explicitly waives the right of withdrawal. The waiver is what opens the customer account and the mail sending tool immediately rather than after a waiting period.
Once the account is activated, or once a file has been validated for sending, no amount is refunded for withdrawal.
7. Plan Cancellation
- Cancellation is done by the Client from their personal account, at any time.
- It takes effect at the close of the current billing period.
- The started Period remains fully due.
- No refund is issued for a Period already started or for an Operation already performed.
8. The three exceptions
A partial refund may be granted solely at the Provider's discretion, and only if one of the following is established.
- Double charge caused by a technical payment error, proven by the bank statement.
- A fraudulent transaction made without the cardholder's authorization.
- A serious malfunction that blocked all use for more than 72 consecutive hours and attributable solely to BankFees, not to a host, payment provider, or user.
Send the request to [email protected] with supporting documents attached. An incomplete claim or one without supporting documents will be refused.
9. Payment of Approved Refund
When a refund is accepted in writing, payment is made within 14 business days following customer service validation, to the payment method used for the original order and no other.
10. Back-billing
Disputing a bank transfer without cause constitutes a breach of contract. The Provider may then contest the cancellation with the card issuer, pass on the chargebacks fees generated and close the account permanently.
11. Billing Contact
- Department: Billing Service, Bank-Fees.com.
- Email: [email protected].
- Work timezone: GMT+1 (Malta).
- Answer: maximum 5 to 10 business days.