Payment & Refund Policy
Transparent billing terms designed to protect you. No hidden fees, no auto-renewals, and recognized secure processors.
1. Transparent Billing & No Auto-Renewals
We believe in a fair, pay-as-you-go model that puts you in complete control of your spending.
BankMyBook operates strictly on a credit-based system. There are absolutely no auto-renewing subscriptions, recurring fees, or hidden charges buried in fine print. You only pay when you explicitly choose to top-up your credit balance.
Credits you purchase remain in your account indefinitely and never expire. You are never obligated to maintain a monthly minimum or forced into a long-term contract.
2. Clear Refund & Cancellation Policy
Your satisfaction and confidence in our platform are our top priorities.
- Unused Credits: If you purchase a credit package and change your mind, you may request a full refund for any completely unused credit balance within 14 days of the transaction.
- Technical Failures: If a generation job fails due to a system error or an unsupported PDF structure, the platform will automatically halt and zero credits will be deducted. You are never billed for a failed generation.
- Partial Usage: Because testbank generation consumes significant computational resources, credits that have already been successfully consumed to generate valid testbanks are non-refundable.
- Account Cancellation: You can cancel and permanently delete your account at any time. Any active, unused credit balance at the time of voluntary deletion is non-refundable unless a refund was requested within the 14-day window.
3. Reasonable Dispute Process
If something goes wrong—whether you believe you were overcharged, experienced a billing anomaly, or are unhappy with a specific generation result—we provide a straightforward and human-driven dispute process.
- Direct Support Access: You can open a ticket directly from your dashboard or email our billing department at
[email protected]. - Timely Resolution: We commit to reviewing all billing and quality disputes within 24 to 48 hours.
- Fair Evaluation: If an error occurred on our end (e.g., duplicate charge, platform outage during generation), we will promptly issue a refund or credit compensation to make it right.
We ask that you contact our support team to resolve any issues before initiating a chargeback with your bank, as we are always willing to work toward a fair resolution.
4. Recognized & Secure Payment Processors
To ensure the absolute security of your financial data, BankMyBook does not store, process, or directly handle your credit card numbers or banking secrets.
All checkouts are routed securely through globally recognized, PCI-DSS Level 1 compliant payment gateways:
All data transmitted during the checkout process is encrypted using modern TLS 1.3 cryptographic protocols.