Subscription & Refund Policy

1. Try before you pay

Before paying, you can use the free plan to browse selected pain points, along with 12 complete Pro analysis samples (including full market-analysis cards and real-discussion sentiment analysis). If you want to experience the full Pro feature set, Pro monthly also comes with a 7-day free trial (see section 2). We believe you should judge the value of the product by experiencing it yourself, which is why we put the trial before payment rather than compensating with refunds afterwards.

2. 7-day free trial (Pro monthly)

Your first Pro monthly subscription comes with a 7-day free trial. A valid credit card is required to start the trial, but you will not be charged anything during it:

• Trial period: 7 calendar days from the moment your subscription is confirmed. You have access to all Pro features during the trial.
• Cancelling during the trial: if you cancel on the “Account” page before the trial ends, you will not be charged at all; your account reverts to the free plan when the trial ends.
• When the trial ends: if you have not cancelled, the first monthly fee of HKD 168 is charged automatically when the trial ends, and the subscription then renews monthly until you cancel.
• No trial on annual: the free trial applies to Pro monthly only. The annual plan is one year paid in advance and has no trial.

The free trial is generally limited to one per account and per credit card. We reserve the right to withdraw trial eligibility or terminate the service where we suspect abuse (for example, repeatedly registering accounts to extend the free trial).

3. Automatic renewal

Your Pro subscription renews automatically until you cancel:

• Monthly (HKD 168/month): the first charge is taken when the 7-day free trial ends, and the subscription renews automatically each month thereafter. No fixed-term commitment; cancel anytime.
• Annual (HKD 1,612/year): one year paid in advance in a single payment (saving about 20% over the full year compared with monthly), renewing automatically at the end of each year and charging the next year's fee.

You can view your next renewal date and cancel at any time on the “Account” page.

All prices are in Hong Kong dollars (HKD). After each successful charge, Stripe sends an electronic receipt to your registered email. If a renewal payment fails (for example, an expired credit card or a declined charge), we may suspend your Pro access until payment succeeds. We may also adjust subscription fees from time to time; any adjustment will only affect the next renewal cycle and will be subject to reasonable advance notice.

4. Cancelling your subscription

You can cancel with one click at any time on the “Account” page. Cancellation only stops renewal for the next billing cycle and does not affect the service already activated for your current period:

• During the free trial: you will not be charged at all; you can keep using Pro until the 7-day trial ends, after which your account reverts to the free plan.
• Monthly: after cancelling, you can keep using the service until the end of the current month's billing cycle, after which your account automatically reverts to a free membership and you will not be charged from the following month.
• Annual: after cancelling, you can keep using the service until the end of that year's billing cycle, after which your account automatically reverts to a free membership and you will not be charged for the following year.

5. Refunds

Pro monthly comes with a 7-day free trial, so you can experience Pro in full and cancel before any charge is taken — that is the risk-free window we provide. Because Pro content is digital information accessible instantly and cannot be returned once viewed, we generally do not provide refunds for a subscription period that has begun and been charged:

• Monthly: the current month's fee, once paid, is non-refundable; you may use the service until the end of the month.
• Annual: the annual fee is prepayment for a one-year service; the annual fee, once paid, is non-refundable; you may use the service until the end of that year.

If you encounter a duplicate charge, a system error or other exceptional circumstances, please email hello@carverhk.com (with “Refund enquiry” in the subject line and your registered email included). We will reply within 3 working days and handle each case individually. Approved refunds will be returned to the original payment method; bank processing typically takes 5 to 10 working days.

6. Abuse

If an account is found to be in breach of the Terms of Use (for example, bulk-scraping platform data for commercial resale, sharing an account among multiple people, or repeatedly registering to reuse the free trial), we reserve the right to terminate the service without a refund.

7. Contact

For any questions about cancellation or refunds, you are welcome to email hello@carverhk.com.