Refund Policy

Last updated: 21 July 2026

1. Scope

This policy explains how the free trial, billing, cancellation, your cooling-off right, and refunds work for Trade By Focus subscriptions. Trade By Focus is a monitoring and management companion app for your existing MetaTrader 5 account.

2. The Short Version

You can cancel at any time, and cancelling stops all future billing. In the first 14 days of your subscription contract you also have a cooling-off right: if you cancel in that window, we refund what you have paid, less a fair charge for the days of paid access you have already had. After the 14 days, payments already made are not refunded, and your access continues to the end of the period you have paid for.

3. Free Trial

Every new Essential or Pro subscription starts with a 7-day free trial. We do not charge you during the trial. If you cancel before the trial ends, you are never charged. If you do not cancel, your subscription begins automatically and payment is taken per the plan you chose. The trial exists so you can evaluate Trade By Focus fully before any money changes hands.

The Max plan is the exception — it does not include a free trial and is billed immediately when you subscribe. If you choose Max while a free trial is in progress, that trial ends and your paid Max plan starts straight away.

4. Your 14-Day Cooling-Off Right

Under the Consumer Contracts Regulations 2013 you have the right to cancel within 14 days of the day your subscription contract starts. For Essential and Pro, that is the day your free trial begins; for Max, it is the day you subscribe.

Because Trade By Focus is a service you use continuously, at checkout you ask us to start supplying it straight away rather than waiting until the 14 days have passed. That does not remove your cooling-off right — it means that if you cancel within the 14 days, you pay a proportionate amount for the paid access you have already received, and we refund the rest of what you have paid.

In practice:

• Essential and Pro: your first 7 days are a free trial, so cancelling in that week costs nothing. If your paid subscription has started and you cancel before day 14, we refund your first payment less a day-rate charge for the paid days you have used.
• Max (and any extra account slots bought with it): if you cancel within 14 days of subscribing, we refund your payment less a day-rate charge for the days you have used.

To cancel within the cooling-off period, use the billing section of your account or email us — no special form is needed.

5. Cancelling Your Subscription

You can cancel at any time from the billing section of your account — no forms, no phone calls. When you cancel:

• All future billing stops — you will not be charged again
• Your access stays active until the end of the period you have already paid for (unless you cancel within the cooling-off period and we refund part of it as described in Section 4, in which case access ends when your cancellation takes effect)
• Your subscription does not renew after that

For help, email james@tradebyfocus.com or use the Messages section in your portal.

6. After the Cooling-Off Period: No Refunds — and Why

Once your 14-day cooling-off period has passed, we do not refund payments already made, in whole or in part, including for unused days within a paid period. Renewal payments work the same way: each renewal is billed for the period ahead, cancellation is available at any time before a renewal is taken, and we supply the access you paid for immediately and in full. This applies equally to the Max plan and to any additional account slots you add — added slots are billed for the period ahead and are not refunded for unused time.

7. Discretionary Refunds

Outside the above, refunds are at our discretion. We will consider a refund in cases of genuine platform failure — for example, a fault on our side that materially prevented you from using the service for a significant part of a paid period — or wherever the law requires one. If we close your account without you having broken our terms, we refund the unused part of your period as described in the Terms of Service. If you believe any of this applies to you, contact us and we will look at it properly.

8. When Your Subscription Ends

• Access to paid features stops at the end of the period you have paid for
• Your account itself remains, and you can resubscribe at any time
• A minimal record is retained for fraud prevention

9. Your Statutory Rights

Nothing in this policy affects any rights you have under applicable law — including under the Consumer Rights Act 2015 — that cannot be excluded or limited. If the service is faulty or not as described, your legal remedies remain available in full. If you live outside the United Kingdom, you may have additional rights under the law of your country that this policy does not take away.

10. Payments

The price shown at checkout is the total amount we charge. Subscriptions are billed in US dollars and managed through our payment provider, Stripe. We do not store your card details. If your card is issued in another currency, your card issuer may apply its own exchange rate or a conversion fee — that is between you and your card issuer.

11. Complaints

If you think we have got a billing or refund decision wrong, our Complaints Policy explains how to raise it and how quickly we will respond.

12. Contact

James Mitchell, trading as Trade By Focus
United Kingdom
james@tradebyfocus.com