Legal
Refund Policy
Last Updated: March 2026
Moni subscriptions are sold through Paddle, our Merchant of Record. This policy explains how refunds work, who handles them, how to request one, and what your rights are.
Our Merchant of Record
All payments for Moni subscriptions are processed by Paddle.com, who acts as our Merchant of Record. Paddle is the entity that appears on your bank or card statement, issues your invoices, calculates and remits all applicable taxes (VAT, GST, sales tax), and manages refunds and returns on our behalf.
This means that refund requests for Moni are evaluated and processed by Paddle — not directly by FinentLabs. Paddle handles all payment-related customer support in accordance with their policies and applicable consumer protection laws.
How Refunds Work
Because Paddle is the Merchant of Record and the legal seller in the transaction between you and Moni, refund eligibility and decisions are made by Paddle at their sole discretion on a case-by-case basis.
When Paddle may issue a refund
Paddle may grant a refund in situations including but not limited to: you were charged in error (duplicate charge, incorrect amount, or charge after successful cancellation); the service was materially different from what was described at the time of purchase; persistent technical issues prevented you from accessing the service you paid for; or you are a consumer exercising a statutory right under applicable law.
Timeframe
Refund requests must be submitted within 60 days of the original transaction date. Requests received after 60 days will not be processed. For subscription renewals, the 60-day window applies from the date of the most recent renewal charge.
Paddle's discretion
Paddle reserves the right to refuse a refund request if they find evidence of fraud, refund abuse, or other manipulative behavior. Paddle may also issue refunds proactively to prevent chargebacks or to comply with applicable law, even without a request from you or from FinentLabs.
EU and UK Consumer Rights
If you are a consumer in the European Union or the United Kingdom, you may have a statutory right of withdrawal under the Consumer Rights Directive or equivalent local legislation.
Right of withdrawal
EU and UK consumers generally have a 14-day cooling-off period from the date of a digital purchase during which they may withdraw without giving any reason.
Immediate access and waiver
When you subscribe to Moni, the service is made available to you immediately — you receive instant access to all paid features upon successful payment. By completing your purchase and beginning to use the service, you expressly consent to immediate performance and acknowledge that you may lose your right of withdrawal once access to the digital service has been provided.
Your statutory rights are preserved
Nothing in this policy overrides your mandatory consumer rights under the laws of your country of residence. If the service is faulty, not as described, or not fit for purpose, your statutory rights to a remedy — including a refund — remain fully protected regardless of anything stated here.
How to Request a Refund
There are two ways to submit a refund request:
Option 1 — Through Paddle directly
Visit paddle.net — this is Paddle's buyer support portal. Locate your transaction using the email address you used at checkout or the order number from your Paddle confirmation email. Follow the prompts to submit your refund request with a reason.
Option 2 — Through us
Email hello@getmoni.tech with the subject line "Refund Request." Include the email address you used at checkout and a brief description of why you are requesting a refund. We will forward your request to Paddle and follow up with you on the outcome.
Processing time
Once a refund is approved by Paddle, it is returned to the original payment method you used. Processing times vary depending on your bank or card issuer but typically take 5–10 business days to appear on your statement.
Refund Amounts
The amount refunded to you may differ from the original amount you paid. This can occur for the following reasons:
- Tax adjustments — taxes collected at the time of purchase are recalculated at the time of refund, and changes in applicable tax rates or rules may affect the refund amount.
- Currency fluctuations — if your payment was converted from a non-USD currency, exchange rate changes between the time of purchase and the time of refund may alter the amount you receive.
- Partial refunds — Paddle may issue a partial refund if you used the service for a portion of the billing period, or if only part of the transaction is eligible for a refund.
Subscription Cancellations vs. Refunds
Cancelling your subscription and requesting a refund are separate actions with different effects.
Cancellation
Cancelling your subscription stops future charges. You retain access to paid features until the end of your current billing period. No refund is issued for the unused portion of a billing cycle you have already paid for — you simply continue using the service until the period ends. To cancel, use the billing portal link in your Paddle confirmation email, visit paddle.net, or email hello@getmoni.tech.
Refund
A refund returns money you have already paid. If you want a refund in addition to cancelling, you must submit a separate refund request through Paddle as described in Section 4. Cancellation alone does not trigger a refund.
After cancellation
When your subscription ends, your account reverts to the Free plan. Your data is not deleted — you can access it under the free tier's limitations and re-subscribe at any time.
Chargebacks
A chargeback is when you ask your bank or card issuer to reverse a charge instead of requesting a refund through Paddle. We strongly encourage you to contact Paddle or us first before initiating a chargeback.
Contact us first
Most billing concerns can be resolved quickly by contacting Paddle at paddle.net or reaching us at hello@getmoni.tech. We want to resolve issues fairly and are committed to working with you.
Consequences of unjustified chargebacks
Filing a chargeback without first contacting Paddle is a violation of Paddle's Buyer Terms. If a chargeback is filed without merit or legitimate reason, Paddle reserves the right to dispute it through your bank, provide evidence to refute the claim, and restrict your ability to make future purchases through their platform.
Chargeback fees
Chargebacks incur fees from payment networks that are charged to the merchant. Unjustified chargebacks cause real financial harm. If you have a legitimate billing concern, the refund process described in Section 4 is faster, simpler, and better for everyone.
Terminated Accounts
If your access to Moni is terminated by FinentLabs due to a violation of our Terms of Service — including but not limited to abuse, spam, prohibited conduct, or fraudulent activity — you are not entitled to a refund for any remaining subscription period or any previous billing period.
If you believe your termination was made in error, contact hello@getmoni.tech. We will review your case, and if the termination was a mistake, we will restore your access and work with Paddle to remedy any billing impact.
Free Tier
Moni's free tier does not involve any payment. No refund applies. If you are on the free tier and reach your usage limits, you will see an option to upgrade — no charge is made without your explicit action at checkout through Paddle.
Service Discontinuation
If FinentLabs permanently discontinues the Moni service while you have an active paid subscription, we will work with our payment processor to issue a prorated refund for the unused portion of your current billing period. This is the sole remedy available in the event of service discontinuation.
This section does not apply to temporary service interruptions, maintenance periods, outages caused by third-party providers, or any suspension of your individual access due to a violation of our Terms of Service.
Payment Processor Changes
FinentLabs may change its payment processor or merchant of record at any time. In the event that our relationship with Paddle or any successor payment processor is terminated, we will make reasonable efforts to ensure continuity of service and to ensure that active subscribers are not charged without receiving the service they paid for. If we are unable to arrange continuity through an alternative payment processor, the remedies described in Section 10 (Service Discontinuation) shall apply.
Paddle's Buyer Terms
Your purchase through Paddle is also subject to Paddle's Buyer Terms, available at paddle.com/legal/buyer-terms. In the event of any conflict between this Refund Policy and Paddle's Buyer Terms regarding refund eligibility or process, Paddle's Buyer Terms shall prevail, as Paddle is the legal seller in the transaction.
Changes to This Policy
We may update this Refund Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. The policy in effect at the time of your purchase governs refund eligibility for that specific transaction.
Contact
For refund requests, billing questions, or payment-related concerns:
- Paddle buyer support: paddle.net
- Email: hello@getmoni.tech
- Website: getmoni.tech
We aim to respond to all inquiries within one business day. For the fastest resolution on payment matters, contacting Paddle directly at paddle.net is recommended.
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