Refund Policy

Credit packs are one-time purchases, not subscriptions. There is no recurring charge: each pack is a single payment for a fixed number of credits, processed by Polar, our Merchant of Record, which acts as the seller of the transaction. Polar's buyer terms apply alongside this policy.

A credit pack is eligible for a full refund if none of the credits granted by that pack have been used in a reconciliation, and the request is made within 30 days of the purchase. Requesting a refund on an unused pack does not affect credits granted by a different, earlier purchase.

Once any credit from a pack has been consumed, that pack is no longer eligible for a refund, in full or in part. We do not prorate refunds based on the number of credits remaining in a partially used pack. If something went wrong on our side (for example, a processing error that consumed credits without delivering a usable result), contact us and we will make it right on a case-by-case basis, including issuing a refund or re-crediting your account through Polar where appropriate.

Purchased credits do not have an expiration date. There is no "use it or lose it" clock on a credit pack; your balance persists until you consume it.

If you are a consumer in the EU/EEA, you have a 14-day statutory right of withdrawal for distance purchases of digital services. By starting to use the Service (including consuming any credit from a purchased pack) within those 14 days, you expressly consent to immediate performance and acknowledge that you thereby lose the right of withdrawal to the extent the pack has been used, consistent with Section 3 above. Withdrawal requests are handled through the Polar checkout flow.

If you are a consumer in Colombia, the statutory right of retracto (Law 1480 of 2011, art. 47) and payment reversal rules (art. 51) apply to the extent the Service has not been used with your consent. By consuming credits from a pack immediately after purchase, you consent to immediate performance. Claims can be sent through our support channel and will be answered within the statutory terms.

Payment disputes are handled by Polar as Merchant of Record. We may suspend accounts that abuse the refund process (for example, consuming credits and then systematically disputing the charge).

Contact us at contacto@finiaerp.com with your order id (from your Polar receipt). We aim to respond within a reasonable time and, where a refund is approved, Polar processes it back to your original payment method.