This Return & Cancellation Policy ("Policy") applies to all purchases and subscriptions made through Prisma Signals ("we," "us," or "our"). By purchasing a subscription or accessing our Service, you agree to the terms of this Policy. If you do not agree, please do not purchase or use the Service.
1. Nature of the Product
Prisma Signals provides digital products and services, including but not limited to:
- Access to a private Discord community and member-only channels
- Educational market analysis, signals, and consultancy content
- Digital reports, alerts, and other subscription-based materials
Because our products are digital and delivered instantly upon purchase, they cannot be returned, exchanged, or resold in the same manner as physical goods. All sales are considered final after the refund window described in Section 2 has expired.
2. Refund Policy
We offer a limited refund window for new subscriptions only.
2.1 Eligibility for Refund
You may request a full refund of your subscription payment if:
- You submit your refund request within 48 hours of the initial subscription purchase, AND
- You have not materially used or benefited from the Service during that period (e.g., accessed significant portions of paid content, downloaded proprietary materials, or participated in live sessions).
Refund eligibility is determined at our sole discretion based on usage logs and account activity. We reserve the right to deny refund requests where there is evidence of substantial use of the Service.
2.2 No Refunds After 48 Hours
No refunds will be issued for any reason after 48 hours from the time of initial subscription purchase. This includes, without limitation:
- Change of mind or no longer wanting the Service
- Failure to use the Service during the subscription period
- Dissatisfaction with the content, signals, or analysis provided
- Technical issues on the user's end (e.g., internet connectivity, device compatibility)
- Market losses or trading outcomes resulting from use of our educational materials
- Account suspension or termination due to violation of our Terms of Service
We do not offer partial refunds, prorated refunds, or credits for unused portions of a subscription term.
2.3 Upgrade and Renewal Payments
Payments made for subscription upgrades, plan changes, or automatic renewals are non-refundable. If you upgrade your subscription, the upgrade fee is final and non-refundable.
3. Cancellation Policy
You may cancel your subscription at any time. Cancellation stops future billing but does not entitle you to a refund for any portion of the current paid term, except as provided in Section 2.1.
3.1 How to Cancel
To cancel your subscription:
- Log in to your Whop account and cancel the recurring subscription through your billing settings, OR
- Contact us at contact@prisma.co.im with your account details and cancellation request.
Cancellations take effect at the end of your current billing period. You must cancel before the next renewal date to avoid being charged for the next term.
3.2 Access After Cancellation
Upon cancellation, you will continue to have full access to the Service and all member benefits until the end of your current paid subscription term. After the term expires, your access will be revoked, including:
- Discord server membership and role-based channel access
- Access to member-only content, signals, and analysis
- Participation in live sessions, calls, or community events
We do not provide refunds or credits for the period between cancellation and the end of the current term, even if you choose not to use the Service during that time.
3.3 Automatic Renewal
Unless you cancel before the renewal date, your subscription will automatically renew for the same term and at the then-current price. You are responsible for canceling before the renewal date if you do not wish to continue. We do not send renewal reminders as a standard practice; it is your responsibility to track your billing dates.
4. Chargebacks and Payment Disputes
If you initiate a chargeback, payment dispute, or similar claim with your bank or payment processor without first contacting us to resolve the issue, we reserve the right to:
- Permanently suspend or terminate your account
- Revoke your access to the Service immediately, regardless of your remaining subscription term
- Report the dispute to relevant platforms (Whop, Discord) and payment processors
- Pursue recovery of fees, costs, and damages associated with the dispute
We encourage you to contact us at contact@prisma.co.im before initiating any payment dispute so we can address your concerns directly.
5. Exceptions and Special Circumstances
In rare cases, we may issue a refund or credit outside of the 48-hour window at our sole discretion. Such exceptions may include:
- Prolonged service outages or technical failures on our end that prevent access for more than 72 consecutive hours
- Material misrepresentation of the Service in our marketing or sales materials
- Duplicate charges or billing errors caused by our payment processor
Any exception granted does not create a precedent or obligation to grant future exceptions.
6. Third-Party Platform Policies
Your purchase and access to Prisma Signals are facilitated through third-party platforms, including Whop (for billing and subscriptions) and Discord (for community access). Their respective refund, cancellation, and billing policies may also apply. We recommend reviewing:
- Whop's Terms of Service and refund policies
- Discord's Terms of Service and community guidelines
We are not responsible for delays, errors, or disputes arising from third-party platforms.
7. Changes to This Policy
We may update this Return & Cancellation Policy from time to time. The "Last updated" date at the top indicates when the policy was most recently revised. Changes take effect when posted. If we make material changes, we will notify you by email or through a prominent notice in the Service. Your continued use of Prisma Signals after an update means you accept the revised Policy.
8. Contact Us
If you have questions about this Policy or need assistance with a cancellation or refund request, contact us at:
Email: contact@prisma.co.im
Discord: Open a ticket in the #support channel
This Return & Cancellation Policy is effective as of the "Last updated" date above.