Refund & Cancellation Policy

Last updated: May 24, 2026

This Refund & Cancellation Policy explains exactly when you can get your money back, how to stop a subscription before it renews, and how we handle disputes. It is incorporated by reference into our Terms of Service. If anything here is unclear, email billing@surgingmarkets.com before you raise a dispute — we read every message.

1. The $3 Ignite Challenge — how the trial works

The $3 Ignite Challenge is a 7-day paid trial, not a free trial. The $3 charge unlocks the full Surging Markets Pro experience for seven days. Because it is a paid evaluation product, the $3 itself is non-refundable — the entire purpose of the $3 is to give you a real, in-platform look at the signals, AI coach, and community before the standard subscription begins.

At 11:59 PM UTC on day 7, the same payment method is automatically enrolled in Surging Markets Pro at $99 per month and continues to renew monthly until you cancel. The renewal price, billing interval, and cancellation method are also shown on the checkout page before you confirm payment, and again in the welcome email.

2. Cancelling before the $99 charge (stops the renewal)

You can cancel the Ignite trial any time during the 7-day window and you will not be charged the $99. Cancellation takes effect immediately for future billing; you keep Pro access through the end of the paid 7 days.

We send a reminder email 48 hours before the trial ends so you always have time to decide. Cancellation requests received before the renewal timestamp are honoured automatically — no questions, no retention call, no friction.

3. 7-day money-back guarantee on the first $99 charge

If the $99 charge goes through and you decide Pro is not for you, you have 7 calendar days from the charge date to request a full refund — no questions asked, no usage cap. Email billing@surgingmarkets.com with the subject line "Refund — Pro" and the email address on the account. Refunds are issued to the original payment method within 5–10 business days.

After the 7-day window, the monthly charge is non-refundable, but you can still cancel at any time to stop the next renewal. You keep Pro access through the end of the paid month.

4. Other plans (Weekly, Monthly, Yearly, Surge Lifetime, DWY, Coaching)

  • Weekly / Monthly subscriptions: 7-day money-back window from the first charge of a new subscription. Subsequent renewals are non-refundable but can be cancelled to stop future charges.
  • Yearly subscriptions: 14-day money-back window from the first charge. Pro-rata refunds outside that window are at our discretion in cases of platform fault.
  • Surge Lifetime: 90-day cash-refund window or the Profitable-or-Free extension — if you complete the Surge programme honestly and are not net-profitable on a journalled demo or live account at month 12, we extend your access indefinitely at no further cost. See your Surge welcome email for terms.
  • Done-With-You (DWY) and Coaching Accelerator: Refundable in full up to 24 hours before your first scheduled session. After the first session is delivered, the engagement is non-refundable, but unused sessions can be transferred to another member or to a future cohort.
  • One-time digital products (PDFs, recorded courses, downloads): Non-refundable once accessed or downloaded, in line with consumer law for digital content supplied with consent.

5. How to cancel any subscription

Cancellation is always self-serve and takes under 30 seconds:

  1. Log in to Surging Markets.
  2. Open /application/user/profile.
  3. Scroll to Subscription and click Cancel renewal.
  4. You will receive an immediate confirmation email. Keep it for your records.

If you cannot access your account, email billing@surgingmarkets.com from any address you can verify and we will cancel manually within one business day.

6. Payments & payment-method support

All payments are processed by Stripe, Inc. Stripe accepts Visa, Mastercard, American Express, Discover, JCB, Diners, Apple Pay, Google Pay, Link, and most regional debit networks. Surging Markets does not see or store your full card number; we only see the brand, last four digits, and country of issue.

Refunds always return to the original payment method — we cannot redirect a refund to a different card, bank, or PayPal/crypto account. If the original card has been closed or replaced, Stripe will route the refund through the issuing bank, which usually credits the replacement card automatically within 10 business days. If your bank does not credit the refund, contact them directly with the Stripe refund ID we provide.

7. Chargebacks & disputes

We almost always say yes to a polite refund request inside the window above. Filing a chargeback with your bank instead of asking us first triggers Stripe's dispute process and locks the account while it runs.

Please email billing@surgingmarkets.com before opening a dispute. In almost every case we can resolve it the same day with a refund or credit. If a chargeback is filed without contacting us first and is then determined to be invalid (for example, the buyer used the service through the refund window and disputes anyway), we reserve the right to:

  • Submit the full dispute evidence package to the card network, including login timestamps, IP, signal-view logs, and the signed Terms acceptance record.
  • Permanently suspend the associated account and ban the email and payment fingerprint from future Surging Markets purchases.
  • Recover the chargeback fee charged by Stripe (currently $15) from any future balance the account holds with us.

None of this applies if you simply ask us first — the support team is empowered to refund any in-window request without escalation.

8. Exceptions we will always honour

  • Duplicate charges caused by a Stripe or platform error — refunded in full, on request, at any time.
  • Unauthorised use of your card by another person — refunded in full once verified, and the account locked.
  • Extended platform outage (more than 24 consecutive hours of degraded signal delivery) — pro-rata credit applied automatically to the next renewal.
  • Bereavement or medical hardship — reach out, we will pause or refund with no proof required beyond your word.

9. Statutory rights

Nothing in this policy limits any non-waivable consumer right you have under the laws of your country of residence — including the UK Consumer Rights Act 2015, the EU Consumer Rights Directive, the Australian Consumer Law, and the US FTC Restore Online Shoppers' Confidence Act (ROSCA). Where local law grants a longer refund window than the one above, the longer window applies.

10. Contact

Surging Markets Ltd
Billing & refunds: billing@surgingmarkets.com
General support: support@surgingmarkets.com
Typical first reply: under 12 hours, 7 days a week.

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