Refund policy

The free tier is the trial

One account and one import a month, free, no card required. Your statements are parsed, merchant names cleaned up, and everything grouped by shop, category and month — enough to know whether Paperflight reads your bank before you pay a cent.

There is no separate trial, no countdown, and no card on file that quietly starts charging you. If Paperflight cannot read your bank’s statements, you will find out before you have paid us anything. Please use the free tier for exactly that.

The subscription

$5 per month, or $50 per year, in USD. Either renews until you cancel. Cancel any time. Cancelling stops the next charge and you keep full access until the end of the period you have already paid for — we do not cut you off the moment you cancel, because you paid for that month.

Refunds

Within 14 days of a charge we will refund it in full, no reason needed. Email support@paperflight.app with the phone number on your account, or message us in the app. We process it within 30 business days. The money goes back to the card that paid.

Outside 14 days we will still refund the current month if the service was substantially unavailable, a bug on our side made it unusable, you were charged after cancelling or charged twice, or a parsing failure meant the service could not do the thing you paid for.

Tell us what happened. We would rather refund a month than argue with someone who did not get what they paid for.

What is not refundable

• Months you used and did not raise a problem about — though see the next section, because we try to prevent that happening at all.
• Charges older than the current billing period, except where the law says otherwise.
• Accounts closed for fraud, abuse, or attacking the service.
• Taxes, where we cannot recover them.
• Dissatisfaction with figures that were parsed correctly. If the numbers are right and you do not like what they say about your spending, that is not a service fault. If you think a figure is wrong, tell us — if it is our error, the grounds above apply.

Forgotten subscriptions

We send a reminder 15 days before each renewal, with a cancel link in it. If you were charged for a month you did not open the app at all, tell us and we will refund it. Charging someone for a service they were not using is not a business we want to be in.

Downgrading to the free tier

When you stop paying, we do not delete your data and we do not hold your history hostage.

• Your data stays. Every transaction, category and account remains yours — nothing is deleted when a subscription ends.
• You can still read what you have. Existing analytics remain viewable.
• What stops is adding new statements beyond the free-tier limit.

Resubscribe and everything picks up where it was. Nothing has to be re-uploaded.

Failed payments

Cards expire. Banks decline things for no discernible reason. That should not cost you access to your own financial records.

1. We message you the same day, telling you what happened and how to fix it.
2. We retry the charge on several occasions over the two weeks after the failure.
3. You get a 14-day grace period with full access.
4. If it is still unpaid, your account goes read-only — not locked, not suspended, not deleted.

Read-only means you can still sign in and see every transaction you have. Importing new statements waits until the payment goes through. We will not lock you out of your own financial history over a declined card.

How to cancel

My profile, then Manage billing, then Cancel subscription — Stripe shows you the exact date access ends before you confirm. No phone call, no retention offer, no maze. Cancelling is as easy as subscribing, deliberately.

Deleting your account is separate: email support@paperflight.app with the phone number on your account. Deletion is permanent.

Your statutory rights

Nothing here takes away a right the law gives you, under Singapore’s Consumer Protection (Fair Trading) Act, India’s Consumer Protection Act 2019, or your US state’s consumer-protection and automatic-renewal laws. Where the law gives you more than this policy does, the law wins.