Billing & Payment Policy

1. Scope & Applicability

This Billing & Payment Policy ("Policy") explains how billing, payments, trials, renewals, cancellations, refunds, invoices, and related payment matters are handled for subscriptions and other paid services provided through the TraderSign Platform.

This Policy forms part of the TraderSign Terms of Service. If there is a conflict between this Policy and the Terms of Service, this Policy governs billing and payment matters only.

2. Payment Methods & Authorization

TraderSign uses third-party payment processors, such as Stripe, to process payments. We do not directly store your full card number, CVC, or full payment card details.

• By providing a payment method, you represent that you are authorized to use that payment method and that the billing information you provide is accurate and complete.
• You authorize TraderSign and its payment processors to charge your payment method for all applicable subscription fees, taxes, add-ons, usage-based charges, and other charges presented to you during checkout or account management.
• If your payment method is declined, expired, disputed, or cannot be processed, we may suspend, restrict, downgrade, or terminate access to paid features until the issue is resolved.

3. Billing Cycle & Automatic Renewal

TraderSign subscriptions are billed on the recurring interval shown during signup, checkout, plan selection, or account management.

• After any applicable trial, your payment method will be charged for the first paid billing period unless you cancel before the trial ends.
• Subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date.
• You can view your billing details, next billing date, and subscription status from within your account settings or billing portal, where available.
• Plan upgrades may take effect immediately and may result in prorated charges. Downgrades typically take effect at the end of the current billing period unless stated otherwise during checkout or account management.

4. Free Trial

TraderSign may offer a free trial of certain subscription plans for a limited time. A valid payment method may be required to activate the trial.

• Unless stated otherwise during signup, your selected subscription will automatically convert to a paid subscription at the end of the trial period.
• You must cancel before the trial ends if you do not want to be charged.
• We may send a reminder before your trial expires, but the absence of a reminder does not waive your responsibility to monitor the trial period and cancel in time.
• Free trials are generally limited to one per user, account, payment method, or organization, unless we expressly state otherwise.
• TraderSign may modify, shorten, extend, suspend, or discontinue trial offers at any time, subject to applicable law.

5. Refunds & Credits

Unless required by applicable law or expressly stated by TraderSign in writing, subscription fees are non-refundable once charged.

• No refunds or credits are provided for partial billing periods.
• No refunds are provided if you cancel after a renewal charge has been processed.
• No refunds are provided for unused features, account inactivity, failure to use the Platform, or failure to cancel before the next billing date.
• In limited cases, such as a confirmed billing error or technical issue caused by TraderSign, we may issue a refund or credit at our sole discretion. Any refund or credit granted in one case does not create a right to future refunds or credits.

6. Statement Descriptor & Invoices

To help reduce confusion and disputes, charges from TraderSign may appear on your card statement using a descriptor such as TRADERSIGN or TRADERSIGN SDN BHD. The final wording may vary by payment processor, card network, bank, or region.

• For successful charges, we will issue an invoice, receipt, or payment confirmation to your registered email address or make it available in your account, where supported.
• Invoices may include the billing date, plan name, billing period, amount charged, currency, payment processor reference, and applicable taxes.
• You are responsible for keeping your email address and billing information up to date so that you receive billing-related notices.

7. Billing Notices

We may send billing-related notices, including trial notices, renewal reminders, payment confirmations, failed payment alerts, invoice notices, cancellation confirmations, or notices of important pricing or policy changes.

Email delivery can fail due to spam filters, outdated email addresses, or third-party issues. You remain responsible for managing your subscription, cancellation timing, payment method, and account details even if you do not receive a billing notice.

8. Failed Payments

If a charge to your payment method fails, our payment processor may automatically retry the payment, and we may notify you so you can update your payment method.

• If payment is not successfully completed, we may temporarily suspend, limit, or downgrade access to paid features until the payment issue is resolved.
• You can avoid interruption by keeping your payment method, billing details, and email address up to date.
• We are not responsible for any loss of access, data-sync interruption, missed reminders, reporting delay, or other inconvenience caused by failed, expired, declined, disputed, or outdated payment methods.

9. Disputes & Chargebacks

If you believe a charge is incorrect, please contact us first at support@tradersign.com so we can investigate and try to resolve the issue.

• Filing a chargeback or payment dispute does not automatically cancel your subscription or waive amounts owed.
• If a payment is reversed, disputed, or charged back, we may suspend or terminate access to paid features while the dispute is reviewed.
• We may provide invoices, account activity, acceptance records, usage logs, and related evidence to the payment processor, card network, bank, or relevant authority to respond to the dispute.

10. Evidence & Records Retention

To prevent fraud, comply with legal and tax obligations, and resolve billing disputes, TraderSign may retain billing-related records for a reasonable period, including where required or permitted by law.

• Transaction records and payment processor identifiers;
• Invoices, receipts, subscription status, plan details, and tax records;
• Login, account, and usage logs tied to billing events;
• Communication records between you and TraderSign, such as support emails and cancellation requests;
• Records showing acceptance of the Terms of Service, this Policy, and related policies.

These records may be used to show that services were provided, charges were authorized, notices were sent, subscriptions were active, or policy terms were accepted.

11. Pricing & Policy Changes

We may update our prices, plans, billing features, trial offers, or this Policy from time to time. If we make material changes affecting an active paid subscription, we will provide reasonable notice where required or where commercially reasonable, such as by email, in-app notice, or checkout notice.

Unless stated otherwise, pricing changes for existing subscriptions apply on the next renewal after the effective date. If you do not agree to a pricing or policy change, you should cancel your subscription before the change takes effect.

12. Interpretation & Enforceability

This Policy is intended to be interpreted together with the TraderSign Terms of Service, Privacy Policy, and any checkout terms presented to you. If any part of this Policy is determined to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

To the extent permitted by applicable law, this Policy should be interpreted to support clear, fair, and predictable billing practices for both TraderSign and its customers.

13. Contact Information

If you have any questions or concerns regarding this Billing & Payment Policy, please contact us:

TraderSign Sdn. Bhd. (202501012050)
Email: support@tradersign.com