New accounts get one 7-day free trial with full Pro access, whichever paid plan you pick. There is nothing to cancel: we do not collect a payment method for the trial, so it cannot turn into a charge. When the 7 days end your account drops back to Free automatically. To keep Plus or Pro after the trial you go through checkout and pay. One trial per account: once used, it does not reset.

Plans are priced in euros (see pricing) and charged by our payment processor, PremiumPay, which takes cards, crypto, Google Pay and Apple Pay and adds its own processing fee at checkout; PayPal is offered where the checkout shows it. We never see or store your full card number. Receipts come from the processor.

Your plan renews automatically. With PremiumPay we keep a card token and attempt the renewal charge up to 24 hours before your current period ends; we send you a reminder about 2 days before. If the charge is declined we retry up to 4 times over roughly 48 hours and email you each step; if it still has not gone through 48 hours after your period end, your account drops to Free and nothing further is charged. Updating your card or paying again restores the plan. PayPal subscriptions renew through PayPal.

You may cancel your subscription at any time from your Profile settings. Upon cancellation:

• Your subscription remains active until the end of the current billing period
• You will not be charged for the next billing period — cancel at least 24 hours before your period ends, because a PremiumPay renewal can be charged inside that window
• You retain access to paid features until your current period expires
• After expiration, your account reverts to the Free plan

What changes on Free: you lose the Plus/Pro reads and, if you were in the Pro Telegram group, you are removed from it automatically. Your account, favourites, votes, coin balance and bet log stay as they are and come back in full if you subscribe again.

We refund on request in these cases:

Refunds are not available for:

• Any payment older than 7 days, except the outage and unintended-charge cases above
• Unused time on a monthly or annual plan: cancelling stops the next charge and you keep access until the period ends; there is no partial refund
• Forgetting to cancel. The renewal charge can be taken up to 24 hours before your period ends, and we email you about 2 days before it; cancel before that window if you do not want the next period
• Dissatisfaction with prediction accuracy — predictions are probabilistic, not guaranteed, and our published record already shows where they fall short

Coins bought with real money (USD 4.99 to 34.99, paid through PayPal) are added to your balance immediately and are not refundable once delivered, except where the purchase itself failed or was charged twice. Coins have no cash value and cannot be withdrawn or converted back to money. Your coin balance is deleted with your account. Coins staked on a vote are returned to you only if you withdraw the vote within 60 seconds of placing it, or if the match is cancelled or postponed.

Email support@tt-lossbeater.com from the address on your account, with the charge date and amount so we can find it at the processor. We aim to answer within 5 business days and issue the refund through the processor as soon as we approve it; refunds go back to the payment method you used, and how long the money takes to show up after that depends on your bank or wallet.

We may update this policy. The version in force for a charge is the one published on the day that charge was made; the date at the top tells you when it last changed. Material changes are announced in the app or by email at least 14 days before they apply.

For billing and refund inquiries, contact us at support@tt-lossbeater.com.