The deal on payment.
And how you walk away.

1 — What you pay

All household pricing is inclusive of UK VAT (20%). Business and Practice tiers receive VAT invoices on request.

Plan	Price	What it includes
Households — monthly	£9 / month	Full sonuswealth. First month free. Cancel any time.
Households — annual	£79 / year	Same product, ~27% off. Locked at signup price for 12 months. Pro-rata refund any time.
NHS / public sector — monthly	£4.50 / month	50% off, verified at signup with a work email. Same full product.
NHS / public sector — annual	£39 / year	50% off the annual price. Same terms as standard annual.
Founder cohort (first 50 waitlist)	£0 / 12 months	No card needed. Carry on at the prevailing price after the year, or walk away.

Practice (IFA), Employer, and other B2B tiers are itemised on the pricing page; their billing terms follow the same principles below with customer-specific MSAs where relevant.

2 — Free first month

Every new household subscriber gets the first month free. No card is taken at signup. You confirm payment details at the end of the trial; if you don't, the account pauses and your data is retained for 30 days while you decide.

3 — How billing works

• Monthly: charged on the same calendar date each month. First charge on day 31 of your account (after the free month).
• Annual: charged once at the start of the 12-month period and renews annually unless cancelled. We email a renewal reminder 30 days before renewal.
• Payment processor: Stripe. We do not store your card details — Stripe does. You can update your card at any time from in-app settings.
• Accepted methods: Visa, Mastercard, American Express, Apple Pay, Google Pay. Direct Debit on annual plans for UK households (added Phase 2).
• Receipts & VAT invoices: emailed automatically after every charge. Download-on-demand from in-app billing.
• Currency: billed in pound sterling (GBP).

4 — Cancellation

Cancel from Settings → Billing → Cancel at any time. You choose:

• Immediate — access ends now; pro-rata refund issued for the unused remainder of your current cycle (annual only — monthly cycles aren't pro-rated within the month).
• End of cycle — keep using the service until your next renewal date, then it stops automatically.

There is no exit fee, no clawback, no retention dance. We will not call to "win you back".

5 — Refund policy

30-day money-back guarantee

If sonuswealth isn't for you, request a refund within 30 days of your first paid charge and we'll return the full amount. No questions, no forms beyond an email to billing@sonuswealth.com. Refunds land back on the same card, typically within 5 working days. This is in addition to your statutory consumer rights.

Pro-rata refund on annual plans

If you cancel an annual plan after the 30-day window, we issue a pro-rata refund for the unused complete months. Example: cancel 4 months into a £79 annual plan → refund of 8/12 × £79 = £52.67. Calculated to the day for cleanliness; rounded in your favour where it falls between days.

Monthly plans

Within 30 days: full refund. After 30 days: the current month is not refunded after a cancellation (cancel before your next billing date to stop the next charge).

Public-sector verification expiry

If your work email no longer verifies (career change, retirement), your discount converts to standard pricing at next renewal — never mid-cycle. We email 30 days before the change so you can update or cancel.

6 — Price changes

Your signup price is locked for 12 months from your account start date. If we raise standard pricing, you stay at your existing rate until that 12-month anniversary, then a new 12-month lock starts at the prevailing price. We email 30 days before any change. If the new price doesn't work for you, cancel with a pro-rata refund.

7 — Disputes and chargebacks

If you don't recognise a charge, email billing@sonuswealth.com before raising a chargeback with your bank — we can almost always resolve it faster. Genuine disputes are refunded immediately. Repeated chargebacks for successfully-delivered service may lead to account closure (rare; mentioned only because terms typically do).

8 — Late or failed payments

If a payment fails, we retry over 5 days and email you. After that the account pauses (you keep access to view your data and export it for a further 30 days, but the live engine stops re-modelling). Resume by updating your card from in-app billing; the account picks up where it left off.

9 — Tax

• UK household prices include UK VAT at the standard rate (20%).
• Business customers are billed exclusive of VAT plus VAT at the prevailing rate; VAT invoices issued automatically.
• Non-UK business customers: reverse-charge mechanism applies under HMRC rules.

10 — What happens if sonuswealth shuts down

This is unlikely, but we plan for it:

• You receive at least 90 days' notice by email.
• A full export bundle (CSV + JSON of every account, asset, decision, scenario, note) is automatically generated and emailed to you.
• Outstanding pro-rata refunds for annual subscribers are processed within 14 days of the shutdown announcement.
• Customer data is deleted from our infrastructure within 30 days of the shutdown date, subject to legal retention obligations (Stripe transaction records: 7 years for HMRC).

We don't hold money or assets on your behalf — only the picture of them — so there is nothing to "recover" beyond the data, which you keep.

11 — Statutory consumer rights

Nothing on this page reduces your rights under the Consumer Rights Act 2015, the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, or any other UK consumer protection law. If anything we've written here ever conflicts with those rights, those rights win.

12 — Contact

Billing questions, refund requests, dispute resolution: billing@sonuswealth.com. Founder direct for escalation: mihir@sonuswealth.com.

UK postal: MBKR Limited, 32 Oakfield Avenue, Birstall, Leicester LE4 3DQ.