Billing & Cancellation

This is a plain-language summary for convenience. The full, binding terms are in our Terms of Service, Section 6 (Subscription, billing & auto-renewal), Section 7 (Cancellation), and Section 8 (Refunds & guarantee). If anything here differs from the Terms, the Terms control.

We keep this simple, because that is the whole point of Plumb. Here is exactly how billing, free trials, renewals, and cancellation work.

Your free trial

• Plumb starts with a 7-day free trial — exactly seven days (7 × 24 hours) from the moment you start it.
• You add a payment method to start, but you are not charged during the trial.
• Unless you cancel before the trial ends, it automatically turns into a paid subscription at that moment, and we charge your payment method the price of the plan you chose.
• We will tell you the date your trial ends and the exact amount before you start, and we will email you a reminder three days before the trial converts.
• One free trial per person, household, payment method, and device. If you have held a Plumb account before — including a cancelled trial — you are not eligible for another trial.

Your plan and price

• Prices are in U.S. dollars, plus any applicable tax.
• Subscriptions are sold only directly by Plumb at plumbfinance.com — not through app stores.

How renewals work

• Plumb is a subscription, so it automatically renews each month until you cancel, on your billing date.
• Before you ever pay, we show the price, the billing schedule, and the fact that it auto-renews right next to the payment button, and you give a separate "yes" to the recurring charge — it is not buried in the fine print.
• If we ever change your price, we will tell you in advance, and you can cancel before it takes effect.
• Charges appear on your card statement as "Plumb," "Plumb Finance," or "Plumbfinance.com."

Changing tiers

• Moving up happens immediately — we pro-rate the difference for the rest of the billing period.
• Moving down happens on your next billing date; we don't refund or credit the difference for the current period.
• Upgrading to Plumb Premier starts the outcome-guarantee clock on your first Premier billing date. Downgrading from Premier ends guarantee eligibility.

If a payment fails

• We may retry the charge for up to seven days, and may pause your access until it goes through. Paused time isn't credited or refunded.
• A charge that fails and then succeeds on retry within those seven days doesn't count against you — including for the outcome guarantee.
• An account still unpaid 30 days after a failed charge may be closed.

Cancelling — as easy as signing up

• You can cancel anytime, online, in your account settings or the app — in a few clicks. Same easy way you signed up.
• No phone calls. No retention runaround. You can also email us at support@plumbfinance.com.
• Cancel during your free trial and you are never charged.
• Cancel a paid plan and you keep access until the end of the period you already paid for; you will not be billed again.
• After your paid period ends, your plan and reports stay available read-only for 90 days — your archive. Export anything you want to keep before the 90 days end; then the archive is deleted.
• Closing your account is different from cancelling: close it and your personal data is deleted within 30 days, except billing and consent records we're legally required to keep (at least three years).

Refunds

• Outside the free trial and the guarantee below, subscription fees are non-refundable. That means no refunds or credits for: partial billing periods, unused time, unused Counselor deliverables, features you didn't use, downgrades, dissatisfaction with Coach output, or an account closed for breaking the rules. A goodwill refund, when we give one, is a choice — not a precedent.
• Spot a billing error? Tell us within 60 days of the charge. Your Fair Credit Billing Act rights are unaffected either way.
• Ask us before you dispute. If a charge from us does not look right, email support@plumbfinance.com before disputing it with your bank. A refund from us is faster than a chargeback, and we do not argue about honest mistakes. Your legal right to raise a billing-error dispute with your card issuer is unchanged either way.
• One recovery. If your bank reverses a charge, that satisfies any refund we would owe for the same charge — we will not send a duplicate refund on top of it.
• Repeated abuse. An account used to file fraudulent or repeated meritless payment disputes may be closed. Otherwise, if you disagree with a charge, take it up in whatever way works for you — including with your bank.
• Nothing here takes away refund or other rights you have under the law in your state.

The Plumb Premier outcome guarantee

Our top tier, Plumb Premier, comes with an outcome guarantee. It is a real promise with clear conditions — here is the short version:

• Who: Active Plumb Premier subscribers only.
• The promise: At onboarding, you and the Coach set one specific dollar target — your Guarantee Outcome — recorded in your account and measured from your connected accounts (first Premier billing date vs. the last day of month twelve, as shown in the Service). Meet your obligations for the full twelve months, and if the Guarantee Outcome isn't met, you can claim a refund.
• What you do: Keep at least one account connected in each group your plan covers, complete at least 80% of your plan actions by their due date (the Coach's requests for context and feedback count as actions; the in-app record is the record), and keep your subscription in good standing. Then claim by email within 30 days after month twelve ends.
• What you get back: The Premier fees you actually paid during the twelve months — net of any discounts or promotional pricing, excluding taxes — less a service-cost recovery of $5 per paid month (maximum $60). Worked example: twelve months at $34.99 = $419.88; refund = $359.88. Refunds are issued within 30 days of approval, to your original payment method where our processor permits, otherwise by ACH or check.
• What voids it: A chargeback or payment dispute, a request to pause, delay, or cancel, downgrading from Premier, or an account closed for breaking the rules. If something serious outside your control — an accident, a hospital stay — knocked you off course, write to us with reasonable proof: we may extend the qualifying period or prorate the completion threshold, in good faith.
• The full conditions and exclusions are in Section 8.2 of the Terms. Please read them — they all apply.

Questions?

We are happy to help: support@plumbfinance.com · plumbfinance.com.