Billing & Payment Policy

1. Scope & Applicability

This Billing & Payment Policy ("Policy") explains how billing, payments, trials, renewals, and related matters are handled for subscriptions and other paid services provided via the TraderSign Platform. This Policy forms part of the TraderSign Terms of Service. In case of conflict, this Policy governs issues related specifically to billing and payments.

2. Payment Methods & Authorization

TraderSign uses Stripe (via Laravel Cashier) as the primary payment processor. We accept major credit and debit cards and may support additional methods as made available by Stripe.

• By providing a payment method, you represent and warrant that you are authorized to use the payment method and that the information you provide is true and accurate.
• You authorize TraderSign to charge your payment method for all applicable fees associated with your subscription, including recurring fees, taxes and any other charges described at checkout.
• If your payment method is declined or cannot be processed, we may suspend or restrict access to your account until the issue is resolved.

3. Billing Cycle & Automatic Renewal

TraderSign subscriptions are typically billed on a recurring basis (e.g. monthly or annually) as displayed during signup or plan selection.

• After the applicable free trial (if any), your payment method will be charged for the first billing period.
• Subscriptions automatically renew at the end of each billing period unless you cancel prior to the renewal date.
• You can view your next billing date and manage your subscription from within your account settings.
• If you downgrade or change plans, the change will typically take effect at the end of your current billing period, unless otherwise stated.

4. Free Trial

TraderSign may offer a free trial of certain subscription plans for a limited time (currently 7 days). A valid payment method is required to activate the free trial.

• At the end of the 7-day trial, your payment method will automatically be charged for the full subscription amount unless you cancel before the trial ends.
• We may send a reminder email before your trial expires, but you remain responsible for monitoring the trial period and cancelling in time if you do not wish to continue.
• Free trials are generally limited to one per user, unless explicitly stated otherwise.
• TraderSign reserves the right to modify, shorten, extend, or discontinue free trial offers at any time.

5. No-Refund Policy

Unless otherwise specified in writing or required by applicable law, all fees and charges are non-refundable.

• No refunds or credits are provided for partial subscription periods.
• No refunds are provided if you cancel after a renewal has been processed.
• No refunds are provided for unused features, account inactivity, or failure to cancel before the next billing date.
• In limited cases (e.g. proven technical error on our side), we may issue a refund or credit at our sole discretion. Such decisions are final and do not create a right to future refunds.

6. Statement Descriptor & Invoices

To help reduce confusion and disputes, charges from TraderSign will appear on your card statement using a clear descriptor such as TRADERSIGN or TRADERSIGN SDN BHD (final wording may vary by processor and bank).

• For every successful charge, we will issue an invoice or receipt that is sent to your registered email and may also be accessible in your account.
• Invoices will typically include the billing date, plan name, amount charged, currency and any applicable taxes.
• Please keep your email address and contact information up to date to ensure you receive billing-related notifications.

7. Notifications & Reminders

We aim to provide transparent communication around billing events, including:

• Trial start and upcoming trial expiry notices (where applicable);
• Subscription renewal reminders (where applicable);
• Payment success and failure notifications;
• Important changes to pricing or this Policy.

However, the absence of a notification (for example, due to email delivery issues) does not waive your responsibility to manage your subscription, including cancellations and payment details.

8. Failed Payments & Delinquent Accounts

If a charge to your payment method fails, Stripe may automatically attempt to reprocess the payment using its built-in retry logic.

• During this period, we may notify you and request that you update your payment information to avoid interruption.
• If payment remains unsuccessful after retries, we may suspend, restrict, or downgrade your access to the Platform until the outstanding balance is cleared.
• We reserve the right to terminate your subscription or take steps to collect unpaid amounts, including referring the matter to a collection agency or pursuing legal action, where appropriate.

9. Disputes & Chargebacks

If you believe a charge is incorrect or unauthorized, we encourage you to contact us first at contact@tradersign.com so we can investigate and, if appropriate, resolve the issue directly.

• Initiating a chargeback with your bank or card issuer without first contacting us may delay resolution and could result in suspension of your account.
• In the event of a chargeback, we may provide Stripe and the card issuer with evidence such as invoices, login logs, usage data, communication records, and acceptance of this Policy.
• If a chargeback is resolved in our favor, we may reinstate the charge to your account and you may be responsible for any related chargeback fees.
• Repeated or abusive chargebacks may result in permanent account termination.

10. Evidence & Records Retention

To help prevent fraud and resolve disputes, TraderSign may retain the following records for a reasonable period (e.g. up to seven years or as required by law):

• Transaction records and Stripe charge IDs;
• Invoices, receipts and plan details;
• Login and usage logs tied to your account;
• Communication records between you and TraderSign (e.g. support emails, cancellation requests);
• Copies of your acceptance of the Terms of Service and this Billing & Payment Policy.

These records may be used to demonstrate that services were provided, charges were authorized, and that you agreed to the terms of your subscription.

11. Modifications to This Policy

We may update this Billing & Payment Policy from time to time. If we make material changes, we will provide you with reasonable notice (for example, by email or in-app notice) before the effective date of the updated Policy.

Your continued use of the Platform after the effective date of the updated Policy constitutes your acceptance of the changes. If you do not agree to the updated Policy, you should cancel your subscription and stop using the Platform before the changes take effect.

12. Interpretation & Enforceability

This Policy is intended to be interpreted together with the TraderSign Terms of Service and any other applicable policies. If any part of this Policy is determined to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

To the extent permissible under applicable law, this Policy shall be interpreted to promote fairness, transparency and predictable billing practices for both TraderSign and its customers.

13. Contact Information

If you have any questions or concerns regarding this Billing & Payment Policy, please contact us:

TraderSign Sdn. Bhd. (202501012050)
Email: contact@tradersign.com