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
Free trial (30 days)	£0	The full product for 30 days. No card taken at signup; nothing is charged unless you choose to continue.
Sonuswealth (monthly)	£5 / month	Everything included: whole-of-life net worth, unlimited scenarios, full Cashflow / Timeline / Risk depth, entities / trusts, business, NRI DTAA, multi-pension optimiser. Cancel any time.
Founding members (first 100 sign-ups)	£5 / month, locked	A 90-day trial instead of 30, and the £5 price locked for the life of their subscription. No card needed to start.
NHS / public sector	Discount planned	A public-sector discount is planned for launch year, verified with a work email. The exact discount will be announced when it ships.

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 — The free trial

Every account starts with a 30-day free trial (90 days for the first 100 sign-ups), with no card taken at signup. You only enter payment details if and when you choose to continue after the trial. Nothing is charged until you do.

3 — How billing works

• Monthly: charged on the same calendar date each month, from the day your paid subscription starts.
• Annual: an annual option is planned but not available yet. Nobody is charged annually until it exists; its terms will be published here when it ships.
• 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 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. Monthly cycles aren't pro-rated within the month, so cancel before your next billing date to stop the next charge.
• 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.

Annual plans

An annual option is planned but not available yet. When it ships, its pro-rata refund terms will be published here before anyone is charged.

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

A public-sector discount is planned for launch year. Once it ships, 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 before your next billing date. Founding members (the first 100 sign-ups) keep the £5 price for the life of their subscription.

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 refunds for any prepaid, unused period 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.