{
  "description": "Source URLs for each vendor's refund policy. Used by scheduled policy-check workflows to detect changes.",
  "last_checked": "2026-02-01",
  "vendors": {
    "1password": {
      "url": "https://support.1password.com/refund-policy/",
      "notes": "Non-refundable; case-by-case exceptions at discretion",
      "backup_urls": [
        "https://support.1password.com/billing/",
        "https://1password.com/legal/"
      ]
    },
    "adobe": {
      "url": "https://www.adobe.com/legal/subscription-terms.html",
      "notes": "14-day refund window for annual/monthly plans"
    },
    "amazon_music_unlimited": {
      "url": "https://www.amazon.com/music/unlimited",
      "notes": "Digital subscription charges are generally non-refundable after billing.",
      "backup_urls": [
        "https://www.amazon.com/gp/help/customer/display.html?nodeId=201380010",
        "https://www.amazon.com/music/unlimited"
      ]
    },
    "amazon_prime": {
      "url": "https://www.amazon.com/gp/help/customer/display.html?nodeId=G2B9L3YR7LR8J4XP",
      "notes": "Full refund within 3 days if no benefits used",
      "backup_urls": [
        "https://www.amazon.com/amazonprime",
        "https://www.amazon.com/gp/help/customer/display.html?nodeId=G34LFXNSFP2S7HPC"
      ],
      "confirm_runs": 3
    },
    "apple_app_store": {
      "url": "https://support.apple.com/en-us/118223",
      "notes": "14-day refund request window"
    },
    "apple_arcade": {
      "url": "https://www.apple.com/apple-arcade/",
      "notes": "Purchases through Apple may allow refund requests in supported regions/time windows.",
      "backup_urls": [
        "https://www.apple.com/legal/internet-services/itunes/us/terms.html",
        "https://support.apple.com/en-us/118428"
      ]
    },
    "apple_music": {
      "url": "https://support.apple.com/en-us/118223",
      "notes": "All sales final per Apple Media Services terms"
    },
    "apple_tv_plus": {
      "url": "https://support.apple.com/en-us/118223",
      "notes": "All sales final per Apple Media Services terms"
    },
    "audible": {
      "url": "https://www.audible.com/legal/conditions-of-use",
      "notes": "Membership fees non-refundable",
      "backup_urls": [
        "https://www.audible.com/legal/conditions-of-use",
        "https://help.audible.com/s/topic/0TO4N0000004kQZWAY/membership"
      ]
    },
    "bitwarden": {
      "url": "https://bitwarden.com/help/cancel-a-subscription/",
      "notes": "30-day refund window from subscription creation"
    },
    "bumble": {
      "url": "https://bumble.com/en-us/terms",
      "notes": "Non-refundable; no prorated refunds"
    },
    "calm": {
      "url": "https://support.calm.com/hc/en-us/articles/360008240974-Receiving-a-Refund",
      "notes": "30-day refund window for yearly premium via calm.com",
      "backup_urls": [
        "https://support.calm.com/hc/en-us",
        "https://www.calm.com/terms"
      ]
    },
    "canva": {
      "url": "https://www.canva.com/policies/terms-of-use/",
      "notes": "No refunds",
      "backup_urls": [
        "https://www.canva.com/policies/terms-of-use/",
        "https://www.canva.com/help/"
      ]
    },
    "chatgpt_plus": {
      "url": "https://help.openai.com/en/articles/7232895-how-do-i-request-a-refund-for-my-chatgpt-subscription",
      "notes": "Non-refundable; 14-day window for accidental purchases only",
      "backup_urls": [
        "https://help.openai.com/en/articles/6950777-what-is-chatgpt-plus",
        "https://openai.com/chatgpt/pricing/"
      ]
    },
    "claude_pro": {
      "url": "https://support.claude.com/en/articles/12386328-requesting-a-refund-for-a-paid-claude-plan",
      "notes": "Non-refundable except as required by law",
      "backup_urls": [
        "https://support.anthropic.com/en/articles/9579605-how-do-i-cancel-my-plan",
        "https://www.anthropic.com/pricing"
      ]
    },
    "coursera_plus": {
      "url": "https://www.coursera.support/s/article/208280266-Refund-policies",
      "notes": "14-day refund window for annual plan"
    },
    "crunchyroll": {
      "url": "https://help.crunchyroll.com/hc/en-us/sections/21770446775956-Policies",
      "notes": "Non-refundable; digital memberships excluded from returns",
      "backup_urls": [
        "https://help.crunchyroll.com/hc/en-us/articles/4963792118804-How-do-I-cancel-my-Premium-subscription",
        "https://help.crunchyroll.com/hc/en-us/sections/21770446775956-Policies"
      ]
    },
    "deezer": {
      "url": "https://www.deezer.com/legal/cgu",
      "notes": "Non-refundable in US; 14-day window if service unused"
    },
    "discord_nitro": {
      "url": "https://discord.com/nitro",
      "notes": "Nitro purchases are generally non-refundable except where required by law.",
      "backup_urls": [
        "https://discord.com/terms",
        "https://discord.com/nitro"
      ]
    },
    "disney_plus": {
      "url": "https://help.disneyplus.com/article/disneyplus-refund",
      "notes": "No refunds; access continues until end of billing cycle"
    },
    "doordash_dashpass": {
      "url": "https://help.doordash.com/consumers/s/article/How-do-I-cancel-my-Dashpass-subscription",
      "notes": "Non-refundable; benefits continue until end of billing cycle"
    },
    "dropbox_us": {
      "url": "https://www.dropbox.com/terms",
      "notes": "No refunds",
      "backup_urls": [
        "https://www.dropbox.com/plans",
        "https://www.dropbox.com/terms"
      ]
    },
    "duolingo": {
      "url": "https://www.duolingo.com/help/how-do-I-request-a-refund",
      "notes": "All payments non-refundable"
    },
    "espn_plus": {
      "url": "https://www.espn.com/espnplus/",
      "notes": "ESPN+ charges are generally non-refundable after billing.",
      "backup_urls": [
        "https://www.espn.com/subscribe/espnplus/",
        "https://www.disneyplus.com/legal/subscriber-agreement"
      ]
    },
    "evernote": {
      "url": "https://help.evernote.com/hc/en-us/articles/115010561808-Evernote-Refund-Policy",
      "notes": "20-day window for monthly, 60-day for annual subscriptions",
      "backup_urls": [
        "https://evernote.com/compare-plans",
        "https://evernote.com/legal/terms-of-service"
      ]
    },
    "expressvpn": {
      "url": "https://www.expressvpn.com/support/manage-account/what-is-expressvpns-refund-policy/",
      "notes": "30-day money-back guarantee for first-time users",
      "backup_urls": [
        "https://www.expressvpn.com/support/manage-account/cancel-subscription/",
        "https://www.expressvpn.com/support/manage-account/what-is-expressvpns-refund-policy/"
      ]
    },
    "figma": {
      "url": "https://www.figma.com/legal/renewal-and-cancellation/",
      "notes": "Non-refundable; exceptions for price changes or service discontinuation"
    },
    "fubo_tv": {
      "url": "https://support.fubo.tv/hc/en-us/articles/360004457571-What-Is-Fubo-s-Cancellation-Policy",
      "notes": "Non-refundable; no partial month refunds",
      "backup_urls": [
        "https://www.fubo.tv/welcome",
        "https://support.fubo.tv/hc/en-us"
      ]
    },
    "github_pro": {
      "url": "https://docs.github.com/en/billing/managing-the-plan-for-your-github-account/downgrading-your-accounts-plan",
      "notes": "No standard refund policy; case-by-case via support"
    },
    "google_one": {
      "url": "https://one.google.com/about/plans",
      "notes": "Google subscriptions are generally non-refundable unless required by law.",
      "backup_urls": [
        "https://one.google.com/terms-of-service",
        "https://support.google.com/googleone/"
      ]
    },
    "google_play": {
      "url": "https://support.google.com/googleplay/answer/2479637",
      "notes": "48-hour refund window",
      "confirm_runs": 3
    },
    "grammarly": {
      "url": "https://support.grammarly.com/hc/en-us/articles/360049189071-Can-I-get-a-refund",
      "notes": "Non-refundable unless required by law",
      "backup_urls": [
        "https://support.grammarly.com/hc/en-us/articles/115000090191-How-do-I-cancel-my-Grammarly-subscription",
        "https://www.grammarly.com/plans"
      ]
    },
    "headspace": {
      "url": "https://help.headspace.com/hc/en-us/articles/19796788352411-What-is-the-refund-policy",
      "notes": "Non-refundable; case-by-case exceptions via email",
      "backup_urls": [
        "https://help.headspace.com/hc/en-us/articles/19796799989019-How-to-cancel-a-Headspace-subscription",
        "https://www.headspace.com/subscriptions"
      ]
    },
    "hellofresh": {
      "url": "https://hellofreshusa.zendesk.com/hc/en-us/sections/360006738874-Charges-Refunds",
      "notes": "Non-refundable; case-by-case for quality/delivery issues only",
      "backup_urls": [
        "https://www.hellofresh.com/plans",
        "https://www.hellofresh.com/about/faq"
      ]
    },
    "hinge": {
      "url": "https://help.hinge.co/hc/en-us/articles/13198710538515-How-can-I-request-a-refund",
      "notes": "Non-refundable in US; 3-day right-to-cancel in some states",
      "backup_urls": [
        "https://hingeapp.zendesk.com/hc/en-us/articles/360011232034",
        "https://help.hinge.co/hc/en-us"
      ]
    },
    "hulu": {
      "url": "https://www.hulu.com/subscriber_agreement",
      "notes": "No refunds for partial months"
    },
    "icloud_plus": {
      "url": "https://support.apple.com/en-us/118223",
      "notes": "14-day refund window via Apple Report a Problem"
    },
    "instacart_plus": {
      "url": "https://www.instacart.com/help/section/360007797952/4408784716820",
      "notes": "5-day refund window for annual plans if no orders placed",
      "backup_urls": [
        "https://www.instacart.com/store/instacart-plus",
        "https://www.instacart.com/help"
      ]
    },
    "kindle_unlimited": {
      "url": "https://www.amazon.com/kindle-dbs/hz/subscribe/ku",
      "notes": "Membership charges are generally non-refundable after billing.",
      "backup_urls": [
        "https://www.amazon.com/gp/help/customer/display.html?nodeId=201014950",
        "https://www.amazon.com/kindle-dbs/hz/subscribe/ku"
      ]
    },
    "linkedin_premium": {
      "url": "https://www.linkedin.com/legal/l/refund-policy",
      "notes": "Refundable within 7 days without usage"
    },
    "masterclass": {
      "url": "https://www.masterclass.com/help-center/masterclass/answers/requesting-a-refund--id--ffUda_F-TPqkca5o9hJc5g",
      "notes": "30-day satisfaction guarantee for first-time direct purchases",
      "backup_urls": [
        "https://www.masterclass.com/legal/terms",
        "https://www.masterclass.com/"
      ],
      "confirm_runs": 3
    },
    "max": {
      "url": "https://help.hbomax.com/US/Answer/Detail/000002522",
      "notes": "No refunds (formerly HBO Max)"
    },
    "microsoft_365": {
      "url": "https://support.microsoft.com/en-us/account-billing/returning-items-you-bought-from-microsoft-for-exchange-or-refund-81629012-aa4f-f48b-2394-8596f415072b",
      "notes": "30-day refund window",
      "backup_urls": [
        "https://www.microsoft.com/en-us/microsoft-365/try",
        "https://support.microsoft.com/en-us/account-billing"
      ]
    },
    "midjourney": {
      "url": "https://docs.midjourney.com/hc/en-us/articles/25386088618253-Requesting-a-Refund",
      "notes": "Refund only if <20 GPU minutes used lifetime; effectively non-refundable",
      "backup_urls": [
        "https://docs.midjourney.com/hc/en-us/articles/25383543872269-Manage-Your-Subscription-Plan",
        "https://www.midjourney.com/home"
      ]
    },
    "netflix": {
      "url": "https://help.netflix.com/en/node/22",
      "notes": "No refunds"
    },
    "nintendo_switch_online": {
      "url": "https://www.nintendo.com/us/refund-return-policy/digital-products/",
      "notes": "All payments final and non-refundable"
    },
    "noom": {
      "url": "https://www.noom.com/support/faqs/programs/2025/10/noom-refund-policy/",
      "notes": "14-day refund window from first charge; renewals non-refundable"
    },
    "nordvpn": {
      "url": "https://support.nordvpn.com/hc/en-us/articles/19476991311121-What-is-your-refund-policy",
      "notes": "30-day money-back guarantee for first purchase",
      "backup_urls": [
        "https://nordvpn.com/pricing/",
        "https://support.nordvpn.com/hc/en-us"
      ]
    },
    "notion": {
      "url": "https://www.notion.so/pricing",
      "notes": "3-day refund window"
    },
    "paramount_plus": {
      "url": "https://help.paramountplus.com/s/article/PD-What-s-the-refund-policy-for-Paramount",
      "notes": "No refunds"
    },
    "peacock": {
      "url": "https://www.peacocktv.com/help/article/what-is-peacock-s-refund-policy",
      "notes": "Non-refundable at Peacock's discretion",
      "backup_urls": [
        "https://www.peacocktv.com/plans",
        "https://www.peacocktv.com/help"
      ]
    },
    "peloton": {
      "url": "https://www.onepeloton.com/membership-terms",
      "notes": "Non-refundable; no prorated refunds"
    },
    "playstation_plus": {
      "url": "https://www.playstation.com/en-us/legal/playstation-store-cancellation-policy/",
      "notes": "14-day cancellation window, pro-rated refund"
    },
    "proton": {
      "url": "https://proton.me/pricing",
      "notes": "30-day money-back guarantee is commonly advertised for new paid plans.",
      "backup_urls": [
        "https://proton.me/legal/terms",
        "https://proton.me/support"
      ]
    },
    "ring_protect": {
      "url": "https://ring.com/protect-plans",
      "notes": "Ring Protect charges are generally non-refundable once billed.",
      "backup_urls": [
        "https://ring.com/terms",
        "https://ring.com/support"
      ]
    },
    "scribd": {
      "url": "https://support.scribd.com/hc/en-us/articles/210133986-Refunds",
      "notes": "30-day refund window if subscription unused"
    },
    "shutterstock": {
      "url": "https://www.shutterstock.com/help/en/articles/10594851-can-i-get-a-refund-if-i-cancel-my-plan",
      "notes": "Non-refundable; 50% early termination fee on annual plans",
      "backup_urls": [
        "https://www.shutterstock.com/pricing",
        "https://www.shutterstock.com/legal/terms-and-conditions"
      ]
    },
    "slack": {
      "url": "https://slack.com/help/articles/218915077-Slacks-Fair-Billing-Policy",
      "notes": "No refunds for unused time"
    },
    "sling_tv": {
      "url": "https://www.sling.com/help/en/account-questions/account-changes/pause-cancel-subscription",
      "notes": "Non-refundable; no partial month refunds",
      "confirm_runs": 3
    },
    "spotify": {
      "url": "https://www.spotify.com/us/legal/end-user-agreement/",
      "notes": "No refunds"
    },
    "squarespace": {
      "url": "https://support.squarespace.com/hc/en-us/articles/360000623648-Refund-policies",
      "notes": "14-day refund window for annual website plans (first payment only)"
    },
    "strava": {
      "url": "https://www.strava.com/legal/terms",
      "notes": "14-day full refund window from date of purchase"
    },
    "surfshark": {
      "url": "https://support.surfshark.com/hc/en-us/articles/360003103653-What-is-Surfshark-s-refund-policy",
      "notes": "30-day money-back guarantee for initial purchase"
    },
    "tidal": {
      "url": "https://support.tidal.com/hc/en-us/articles/203134791-Refund-Policy",
      "notes": "No refunds in US",
      "backup_urls": [
        "https://tidal.com/pricing",
        "https://support.tidal.com/hc/en-us"
      ]
    },
    "tinder": {
      "url": "https://www.help.tinder.com/hc/en-us/articles/115003521343-Refund-Requests",
      "notes": "Non-refundable in US; 14-day window EU only",
      "backup_urls": [
        "https://www.help.tinder.com/hc/en-us/articles/115003365946-How-do-I-cancel-my-subscription",
        "https://www.help.tinder.com/hc/en-us/articles/115003521343-Refund-Requests"
      ]
    },
    "todoist": {
      "url": "https://www.todoist.com/help/articles/request-a-refund-P1PoqD3J",
      "notes": "30-day refund window for yearly plans; monthly non-refundable"
    },
    "twitch": {
      "url": "https://www.twitch.tv/p/en/legal/terms-of-sale/",
      "notes": "Non-refundable; exceptions at Twitch's discretion"
    },
    "uber_one": {
      "url": "https://www.uber.com/us/en/u/uber-one/",
      "notes": "Membership charges are generally non-refundable once billed.",
      "backup_urls": [
        "https://www.uber.com/legal/en/",
        "https://www.uber.com/legal/en/document/?name=general-terms-of-use&country=united-states&lang=en"
      ]
    },
    "walmart_plus": {
      "url": "https://www.walmart.com/help/article/walmart-terms-of-use/de696dfa1dd4423bb1005668dd19b845",
      "notes": "Non-refundable; benefits continue until end of billing cycle"
    },
    "wix": {
      "url": "https://support.wix.com/en/article/requesting-a-refund-for-a-premium-plan",
      "notes": "14-day money-back guarantee for new Premium/Studio plans"
    },
    "xbox_game_pass": {
      "url": "https://support.xbox.com/en-US/help/subscriptions-billing/manage-subscriptions/cancel-recurring-billing-or-subscription",
      "notes": "30-day refund window from initial purchase"
    },
    "youtube_premium": {
      "url": "https://support.google.com/youtube/answer/12014038",
      "notes": "No refunds for current billing period"
    },
    "youtube_tv": {
      "url": "https://tv.youtube.com/",
      "notes": "Generally non-refundable after billing; see YouTube TV terms/support for exceptions.",
      "backup_urls": [
        "https://www.youtube.com/t/terms_paidservice",
        "https://support.google.com/youtubetv/"
      ]
    },
    "dashlane": {
      "url": "https://support.dashlane.com/hc/en-us/articles/202699201-Cancel-your-subscription",
      "notes": "Dashlane subscription management and billing guidance.",
      "backup_urls": [
        "https://support.dashlane.com/hc/en-us",
        "https://www.dashlane.com/pricing"
      ]
    },
    "lastpass": {
      "url": "https://www.lastpass.com/legal-center/terms-of-service",
      "notes": "Refund terms depend on plan and purchase channel."
    },
    "keeper": {
      "url": "https://www.keepersecurity.com/terms.html",
      "notes": "Refund requests are handled per Keeper billing terms."
    },
    "fitbit_premium": {
      "url": "https://www.fitbit.com/global/us/legal/terms-of-service",
      "notes": "Refund handling can vary by purchase channel (Fitbit, Apple, Google Play)."
    },
    "myfitnesspal_premium": {
      "url": "https://www.myfitnesspal.com/terms-of-use",
      "notes": "Subscription refunds are generally limited and depend on purchase channel."
    },
    "weightwatchers": {
      "url": "https://www.weightwatchers.com/us/terms-and-conditions",
      "notes": "Refund eligibility depends on selected plan and commitment."
    },
    "siriusxm": {
      "url": "https://www.siriusxm.com/customeragreement/",
      "notes": "Customer agreement and billing terms for SiriusXM subscriptions.",
      "backup_urls": [
        "https://www.siriusxm.com/help/manage-or-cancel-service/",
        "https://www.siriusxm.com/help/manage-or-cancel-your-subscription"
      ]
    },
    "patreon": {
      "url": "https://www.patreon.com/policy/legal",
      "notes": "Membership payments are generally non-refundable unless required by law."
    },
    "roblox_premium": {
      "url": "https://en.help.roblox.com/hc/en-us/articles/115004647846-Roblox-Terms-of-Use",
      "notes": "Digital subscription charges are generally non-refundable."
    },
    "ea_play": {
      "url": "https://www.ea.com/legal/user-agreement",
      "notes": "EA Play subscriptions are generally non-refundable after billing."
    },
    "ubisoft_plus": {
      "url": "https://legal.ubi.com/termsofuse/en-US",
      "notes": "Ubisoft+ subscriptions are generally non-refundable after billing."
    },
    "nfl_plus": {
      "url": "https://www.nfl.com/legal/subscriptions_terms",
      "notes": "NFL+ subscriptions are generally non-refundable after billing."
    },
    "mlb_tv": {
      "url": "https://www.mlb.com/official-information/terms-of-use",
      "notes": "MLB terms of use and paid product billing conditions.",
      "backup_urls": [
        "https://www.mlb.com/live-stream-games/help-center",
        "https://www.mlb.com/live-stream-games/subscribe"
      ]
    },
    "new_york_times": {
      "url": "https://www.nytimes.com/subscription/terms-of-sale",
      "notes": "Subscription billing and refund terms for NYT digital products."
    },
    "wall_street_journal": {
      "url": "https://customercenter.wsj.com/help/article?topic=Policies&title=Cancellation%20%26%20Refund%20Policy",
      "notes": "WSJ cancellation and refund policy guidance.",
      "backup_urls": [
        "https://customercenter.wsj.com/contact",
        "https://secure.wsj-asia.com/subscription1/supplementary2.html"
      ]
    },
    "washington_post": {
      "url": "https://helpcenter.washingtonpost.com/hc/en-us/articles/360040497371-Cancel-my-subscription",
      "notes": "Washington Post subscription management and cancellation guidance.",
      "backup_urls": [
        "https://helpcenter.washingtonpost.com/hc/en-us",
        "https://www.washingtonpost.com/subscribe/"
      ]
    },
    "substack": {
      "url": "https://support.substack.com/hc/en-us/articles/360037488271-How-do-I-cancel-a-subscription",
      "notes": "Substack subscription management and cancellation guidance.",
      "backup_urls": [
        "https://substack.com/going-paid",
        "https://substack.com"
      ],
      "confirm_runs": 3
    },
    "snapchat_plus": {
      "url": "https://www.snap.com/terms",
      "notes": "Snap subscription terms and billing conditions."
    },
    "x_premium": {
      "url": "https://help.x.com/en/using-x/x-premium",
      "notes": "X Premium subscription details and billing behavior."
    },
    "reddit_premium": {
      "url": "https://www.reddit.com/premium",
      "notes": "Reddit Premium plan and billing details.",
      "backup_urls": [
        "https://support.reddithelp.com/hc/en-us/articles/360050099112-How-do-I-cancel-Reddit-Premium",
        "https://www.redditinc.com/policies/user-agreement"
      ]
    },
    "telegram_premium": {
      "url": "https://telegram.org/tos",
      "notes": "Telegram terms page covering subscription terms and billing behavior."
    },
    "soundcloud_go": {
      "url": "https://help.soundcloud.com/hc/en-us/articles/115003566468-Canceling-your-SoundCloud-Go-subscription",
      "notes": "SoundCloud Go subscription management and cancellation guidance.",
      "backup_urls": [
        "https://help.soundcloud.com/hc/en-us",
        "https://soundcloud.com/go"
      ],
      "confirm_runs": 3
    },
    "discovery_plus": {
      "url": "https://www.discoveryplus.com/terms",
      "notes": "Discovery+ subscription terms and billing behavior."
    },
    "starz": {
      "url": "https://www.starz.com/us/en/termsofuse",
      "notes": "STARZ subscription terms and billing behavior.",
      "backup_urls": [
        "https://www.starz.com/us/en/legal/terms-of-use",
        "https://www.starz.com/us/en/help"
      ],
      "confirm_runs": 3
    },
    "britbox": {
      "url": "https://www.britbox.com/us/terms-and-conditions",
      "notes": "BritBox subscription terms and billing behavior."
    },
    "amc_plus": {
      "url": "https://www.amcplus.com/terms",
      "notes": "AMC+ subscription terms and billing behavior."
    },
    "zoom": {
      "url": "https://support.zoom.com/hc/en/article?id=zm_kb&sysparm_article=KB0066687",
      "notes": "All subscription fees non-refundable"
    }
  },
  "last_verified_utc": "2026-02-24T18:49:19Z",
  "hash_profile": "focus-v1"
}