{
  "schema_version": 1,
  "source": "scripts/generate-vendors-catalog.js",
  "generated_at": "2026-03-03T14:44:48.172Z",
  "last_updated": "2026-03-03T14:44:48.172Z",
  "last_policy_check": "2026-03-03",
  "vendor_count": 100,
  "policy_types": [
    {
      "id": "refund",
      "label": "Refund",
      "source": "/rules/policy-sources.json",
      "vendor_count": 100,
      "last_checked": "2026-03-03",
      "last_verified_utc": "2026-02-24T18:49:19Z",
      "hash_profile": "focus-v1",
      "description": "Source URLs for each vendor's refund policy. Used by scheduled policy-check workflows to detect changes."
    },
    {
      "id": "cancel",
      "label": "Cancel",
      "source": "/rules/cancel-policy-sources.json",
      "vendor_count": 100,
      "last_checked": "2026-03-03",
      "last_verified_utc": "2026-02-24T18:55:01Z",
      "hash_profile": "focus-v1",
      "description": "Source URLs for each vendor's cancellation policy. Used by scheduled policy-check workflows to detect changes."
    },
    {
      "id": "return",
      "label": "Return",
      "source": "/rules/return-policy-sources.json",
      "vendor_count": 100,
      "last_checked": "2026-03-03",
      "last_verified_utc": "2026-02-24T18:58:17Z",
      "hash_profile": "focus-v1",
      "description": "Source URLs for each vendor's return/reversal policy. Used by scheduled policy-check workflows to detect changes."
    },
    {
      "id": "trial",
      "label": "Trial",
      "source": "/rules/trial-policy-sources.json",
      "vendor_count": 100,
      "last_checked": "2026-03-03",
      "last_verified_utc": "2026-02-24T19:02:21Z",
      "hash_profile": "focus-v1",
      "description": "Source URLs for each vendor's free trial terms. Used by scheduled policy-check workflows to detect changes."
    }
  ],
  "vendors": [
    {
      "slug": "1password",
      "name": "1Password",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://support.1password.com/refund-policy/",
          "notes": "Non-refundable; case-by-case exceptions at discretion"
        },
        "cancel": {
          "url": "https://support.1password.com/cancel-subscription/",
          "notes": "Cancel anytime; access until end of billing cycle"
        },
        "return": {
          "url": "https://support.1password.com/refund-policy/",
          "notes": "Non-refundable; case-by-case exceptions"
        },
        "trial": {
          "url": "https://1password.com/sign-up",
          "notes": "14-day free trial; no card required"
        }
      }
    },
    {
      "slug": "adobe",
      "name": "Adobe",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.adobe.com/legal/subscription-terms.html",
          "notes": "14-day refund window for annual/monthly plans"
        },
        "cancel": {
          "url": "https://www.adobe.com/legal/subscription-terms.html",
          "notes": "Annual plan: 50% ETF; monthly: cancel anytime"
        },
        "return": {
          "url": "https://www.adobe.com/legal/subscription-terms.html",
          "notes": "14-day return window for full refund"
        },
        "trial": {
          "url": "https://www.adobe.com/creativecloud/plans.html",
          "notes": "7-day Creative Cloud trial; card required"
        }
      }
    },
    {
      "slug": "amazon_music_unlimited",
      "name": "Amazon Music Unlimited",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.amazon.com/music/unlimited",
          "notes": "Digital subscription charges are generally non-refundable after billing."
        },
        "cancel": {
          "url": "https://www.amazon.com/music/unlimited",
          "notes": "Cancel anytime; access continues until end of billing period."
        },
        "return": {
          "url": "https://www.amazon.com/music/unlimited",
          "notes": "Digital subscription; no physical return process."
        },
        "trial": {
          "url": "https://www.amazon.com/music/unlimited",
          "notes": "Free-trial length varies by eligibility and promotion."
        }
      }
    },
    {
      "slug": "amazon_prime",
      "name": "Amazon Prime",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.amazon.com/gp/help/customer/display.html?nodeId=G2B9L3YR7LR8J4XP",
          "notes": "Full refund within 3 days if no benefits used"
        },
        "cancel": {
          "url": "https://www.amazon.com/gp/help/customer/display.html?nodeId=G2B9L3YR7LR8J4XP",
          "notes": "Cancel anytime; partial refund if no benefits used"
        },
        "return": {
          "url": "https://www.amazon.com/gp/help/customer/display.html?nodeId=G2B9L3YR7LR8J4XP",
          "notes": "3-day return if no benefits used"
        },
        "trial": {
          "url": "https://www.amazon.com/gp/help/customer/display.html?nodeId=G34LFXNSFP2S7HPC",
          "notes": "30-day free trial; card required"
        }
      }
    },
    {
      "slug": "amc_plus",
      "name": "Amc Plus",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.amcplus.com/terms",
          "notes": "AMC+ subscription terms and billing behavior."
        },
        "cancel": {
          "url": "https://support.amcplus.com/en/support/solutions/articles/11000126475-how-do-i-cancel-my-amc-subscription",
          "notes": "AMC+ cancellation instructions and renewal behavior."
        },
        "return": {
          "url": "https://www.amcplus.com/terms",
          "notes": "AMC+ subscription terms and billing behavior."
        },
        "trial": {
          "url": "https://www.amcplus.com/",
          "notes": "Trial availability and duration can vary by promotion."
        }
      }
    },
    {
      "slug": "apple_app_store",
      "name": "Apple App Store",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://support.apple.com/en-us/118223",
          "notes": "14-day refund request window"
        },
        "cancel": {
          "url": "https://support.apple.com/en-us/118223",
          "notes": "Cancel via Settings; access until end of period"
        },
        "return": {
          "url": "https://support.apple.com/en-us/118223",
          "notes": "14-day return via Report a Problem"
        },
        "trial": {
          "url": "https://support.apple.com/en-us/118223",
          "notes": "No platform-level trial"
        }
      }
    },
    {
      "slug": "apple_arcade",
      "name": "Apple Arcade",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.apple.com/apple-arcade/",
          "notes": "Purchases through Apple may allow refund requests in supported regions/time windows."
        },
        "cancel": {
          "url": "https://www.apple.com/apple-arcade/",
          "notes": "Cancel anytime via Apple subscriptions; access continues until period end."
        },
        "return": {
          "url": "https://www.apple.com/apple-arcade/",
          "notes": "Digital subscription; no physical return process."
        },
        "trial": {
          "url": "https://www.apple.com/apple-arcade/",
          "notes": "Typically includes a 1-month free trial for eligible users."
        }
      }
    },
    {
      "slug": "apple_music",
      "name": "Apple Music",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://support.apple.com/en-us/118223",
          "notes": "All sales final per Apple Media Services terms"
        },
        "cancel": {
          "url": "https://support.apple.com/en-us/118223",
          "notes": "Cancel anytime; access until end of billing period"
        },
        "return": {
          "url": "https://support.apple.com/en-us/118223",
          "notes": "All sales final"
        },
        "trial": {
          "url": "https://www.apple.com/apple-music/",
          "notes": "1-month free trial for new subscribers"
        }
      }
    },
    {
      "slug": "apple_tv_plus",
      "name": "Apple TV Plus",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://support.apple.com/en-us/118223",
          "notes": "All sales final per Apple Media Services terms"
        },
        "cancel": {
          "url": "https://support.apple.com/en-us/118223",
          "notes": "Cancel anytime; access until end of billing period"
        },
        "return": {
          "url": "https://support.apple.com/en-us/118223",
          "notes": "All sales final"
        },
        "trial": {
          "url": "https://www.apple.com/apple-tv-plus/",
          "notes": "7-day trial; 3 months with new device"
        }
      }
    },
    {
      "slug": "audible",
      "name": "Audible",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.audible.com/legal/conditions-of-use",
          "notes": "Membership fees non-refundable"
        },
        "cancel": {
          "url": "https://help.audible.com/s/article/how-do-i-cancel-my-audible-membership",
          "notes": "Cancel anytime; unused credits retained 12 months"
        },
        "return": {
          "url": "https://www.audible.com/legal/conditions-of-use",
          "notes": "Membership fees non-refundable"
        },
        "trial": {
          "url": "https://www.audible.com/ep/freetrial",
          "notes": "30-day free trial with 1 credit"
        }
      }
    },
    {
      "slug": "bitwarden",
      "name": "Bitwarden",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://bitwarden.com/help/cancel-a-subscription/",
          "notes": "30-day refund window from subscription creation"
        },
        "cancel": {
          "url": "https://bitwarden.com/help/cancel-a-subscription/",
          "notes": "Cancel anytime; reverts to free tier"
        },
        "return": {
          "url": "https://bitwarden.com/help/cancel-a-subscription/",
          "notes": "30-day return window"
        },
        "trial": {
          "url": "https://bitwarden.com/pricing/",
          "notes": "7-day premium trial"
        }
      }
    },
    {
      "slug": "britbox",
      "name": "Britbox",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.britbox.com/us/terms-and-conditions",
          "notes": "BritBox subscription terms and billing behavior."
        },
        "cancel": {
          "url": "https://help.britbox.com/hc/en-us/articles/360042761294-How-do-I-cancel",
          "notes": "BritBox cancellation instructions and renewal behavior."
        },
        "return": {
          "url": "https://www.britbox.com/us/terms-and-conditions",
          "notes": "BritBox subscription terms and billing behavior."
        },
        "trial": {
          "url": "https://www.britbox.com/us/",
          "notes": "Trial availability and duration can vary by promotion."
        }
      }
    },
    {
      "slug": "bumble",
      "name": "Bumble",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://bumble.com/en-us/terms",
          "notes": "Non-refundable; no prorated refunds"
        },
        "cancel": {
          "url": "https://bumble.com/en-us/terms",
          "notes": "Cancel anytime; no prorated refunds"
        },
        "return": {
          "url": "https://bumble.com/en-us/terms",
          "notes": "Non-refundable"
        },
        "trial": {
          "url": "https://bumble.com/en-us/the-buzz/bumble-premium",
          "notes": "7-day Premium trial"
        }
      }
    },
    {
      "slug": "calm",
      "name": "Calm",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://support.calm.com/hc/en-us/articles/360008240974-Receiving-a-Refund",
          "notes": "30-day refund window for yearly premium via calm.com"
        },
        "cancel": {
          "url": "https://support.calm.com/hc/en-us/articles/360008240974-Receiving-a-Refund",
          "notes": "Cancel anytime; access until end of billing period"
        },
        "return": {
          "url": "https://support.calm.com/hc/en-us/articles/360008240974-Receiving-a-Refund",
          "notes": "30-day return for yearly premium via calm.com"
        },
        "trial": {
          "url": "https://www.calm.com/subscribe",
          "notes": "7-day free trial"
        }
      }
    },
    {
      "slug": "canva",
      "name": "Canva",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.canva.com/policies/terms-of-use/",
          "notes": "No refunds"
        },
        "cancel": {
          "url": "https://www.canva.com/help/cancellation/",
          "notes": "Cancel anytime; reverts to free tier"
        },
        "return": {
          "url": "https://www.canva.com/policies/terms-of-use/",
          "notes": "No returns"
        },
        "trial": {
          "url": "https://www.canva.com/pro/",
          "notes": "30-day Canva Pro trial"
        }
      }
    },
    {
      "slug": "chatgpt_plus",
      "name": "ChatGPT Plus",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "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"
        },
        "cancel": {
          "url": "https://help.openai.com/en/articles/7232895-how-do-i-request-a-refund-for-my-chatgpt-subscription",
          "notes": "Cancel anytime; access until end of billing period"
        },
        "return": {
          "url": "https://help.openai.com/en/articles/7232895-how-do-i-request-a-refund-for-my-chatgpt-subscription",
          "notes": "Non-refundable; 14-day accidental purchase only"
        },
        "trial": {
          "url": "https://openai.com/chatgpt/pricing/",
          "notes": "No free trial for Plus"
        }
      }
    },
    {
      "slug": "claude_pro",
      "name": "Claude Pro",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://support.claude.com/en/articles/12386328-requesting-a-refund-for-a-paid-claude-plan",
          "notes": "Non-refundable except as required by law"
        },
        "cancel": {
          "url": "https://support.anthropic.com/en/articles/9579605-how-do-i-cancel-my-plan",
          "notes": "Cancel anytime; access until end of billing period"
        },
        "return": {
          "url": "https://support.claude.com/en/articles/12386328-requesting-a-refund-for-a-paid-claude-plan",
          "notes": "Non-refundable except by law"
        },
        "trial": {
          "url": "https://claude.ai/upgrade",
          "notes": "No free trial for Pro"
        }
      }
    },
    {
      "slug": "coursera_plus",
      "name": "Coursera Plus",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.coursera.support/s/article/208280266-Refund-policies",
          "notes": "14-day refund window for annual plan"
        },
        "cancel": {
          "url": "https://www.coursera.support/s/article/208280266-Refund-policies",
          "notes": "Cancel anytime; annual plan non-refundable but access continues"
        },
        "return": {
          "url": "https://www.coursera.support/s/article/208280266-Refund-policies",
          "notes": "14-day return for annual plan"
        },
        "trial": {
          "url": "https://www.coursera.org/courseraplus",
          "notes": "7-day free trial"
        }
      }
    },
    {
      "slug": "crunchyroll",
      "name": "Crunchyroll",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://help.crunchyroll.com/hc/en-us/sections/21770446775956-Policies",
          "notes": "Non-refundable; digital memberships excluded from returns"
        },
        "cancel": {
          "url": "https://help.crunchyroll.com/hc/en-us/articles/4963792118804-How-do-I-cancel-my-Premium-subscription",
          "notes": "Cancel anytime; access until end of billing period"
        },
        "return": {
          "url": "https://help.crunchyroll.com/hc/en-us/sections/21770446775956-Policies",
          "notes": "Non-refundable"
        },
        "trial": {
          "url": "https://www.crunchyroll.com/welcome",
          "notes": "7-day Premium trial"
        }
      }
    },
    {
      "slug": "dashlane",
      "name": "Dashlane",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://support.dashlane.com/hc/en-us/articles/202699201-Cancel-your-subscription",
          "notes": "Dashlane subscription management and billing guidance."
        },
        "cancel": {
          "url": "https://support.dashlane.com/hc/en-us/articles/202699201-Cancel-your-subscription",
          "notes": "Cancel anytime; access continues through current term."
        },
        "return": {
          "url": "https://support.dashlane.com/hc/en-us/articles/202699201-Cancel-your-subscription",
          "notes": "Dashlane subscription management and billing guidance."
        },
        "trial": {
          "url": "https://www.dashlane.com/pricing",
          "notes": "Free-trial availability can vary by plan and promotion."
        }
      }
    },
    {
      "slug": "deezer",
      "name": "Deezer",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.deezer.com/legal/cgu",
          "notes": "Non-refundable in US; 14-day window if service unused"
        },
        "cancel": {
          "url": "https://www.deezer.com/legal/cgu",
          "notes": "Cancel anytime; access until end of billing period"
        },
        "return": {
          "url": "https://www.deezer.com/legal/cgu",
          "notes": "Non-refundable in US"
        },
        "trial": {
          "url": "https://www.deezer.com/en/offers",
          "notes": "1-month free trial"
        }
      }
    },
    {
      "slug": "discord_nitro",
      "name": "Discord Nitro",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://discord.com/nitro",
          "notes": "Nitro purchases are generally non-refundable except where required by law."
        },
        "cancel": {
          "url": "https://discord.com/nitro",
          "notes": "Cancel anytime; perks remain until end of billing period."
        },
        "return": {
          "url": "https://discord.com/nitro",
          "notes": "Digital subscription; no physical return process."
        },
        "trial": {
          "url": "https://discord.com/nitro",
          "notes": "No standing free trial in US; occasional promotions may appear."
        }
      }
    },
    {
      "slug": "discovery_plus",
      "name": "Discovery Plus",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.discoveryplus.com/terms",
          "notes": "Discovery+ subscription terms and billing behavior."
        },
        "cancel": {
          "url": "https://help.discoveryplus.com/hc/en-us",
          "notes": "Discovery+ support center for cancellation and subscription management."
        },
        "return": {
          "url": "https://www.discoveryplus.com/terms",
          "notes": "Discovery+ subscription terms and billing behavior."
        },
        "trial": {
          "url": "https://www.discoveryplus.com/",
          "notes": "Trial availability and duration can vary by promotion."
        }
      }
    },
    {
      "slug": "disney_plus",
      "name": "Disney Plus",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://help.disneyplus.com/article/disneyplus-refund",
          "notes": "No refunds; access continues until end of billing cycle"
        },
        "cancel": {
          "url": "https://help.disneyplus.com/article/disneyplus-cancel-subscription",
          "notes": "Cancel anytime; no partial refunds"
        },
        "return": {
          "url": "https://help.disneyplus.com/article/disneyplus-refund",
          "notes": "No returns"
        },
        "trial": {
          "url": "https://www.disneyplus.com/",
          "notes": "No free trial in US"
        }
      }
    },
    {
      "slug": "doordash_dashpass",
      "name": "DoorDash DashPass",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "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"
        },
        "cancel": {
          "url": "https://help.doordash.com/consumers/s/article/How-do-I-cancel-my-Dashpass-subscription",
          "notes": "Cancel anytime; benefits until end of cycle"
        },
        "return": {
          "url": "https://help.doordash.com/consumers/s/article/How-do-I-cancel-my-Dashpass-subscription",
          "notes": "Non-refundable"
        },
        "trial": {
          "url": "https://help.doordash.com/consumers/s/article/How-do-I-cancel-my-Dashpass-subscription",
          "notes": "DashPass membership help and cancellation terms (includes trial and renewal context)."
        }
      }
    },
    {
      "slug": "dropbox_us",
      "name": "Dropbox US",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.dropbox.com/terms",
          "notes": "No refunds"
        },
        "cancel": {
          "url": "https://help.dropbox.com/plans/cancel-plan",
          "notes": "Cancel anytime; files retained 90 days"
        },
        "return": {
          "url": "https://www.dropbox.com/terms",
          "notes": "No returns"
        },
        "trial": {
          "url": "https://www.dropbox.com/plans",
          "notes": "30-day trial for paid plans"
        }
      }
    },
    {
      "slug": "duolingo",
      "name": "Duolingo",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.duolingo.com/help/how-do-I-request-a-refund",
          "notes": "All payments non-refundable"
        },
        "cancel": {
          "url": "https://support.duolingo.com/hc/en-us/articles/360030236551-How-do-I-cancel-my-Super-Duolingo-subscription",
          "notes": "Cancel anytime; reverts to free tier"
        },
        "return": {
          "url": "https://www.duolingo.com/help/how-do-I-request-a-refund",
          "notes": "Non-refundable"
        },
        "trial": {
          "url": "https://www.duolingo.com/super",
          "notes": "14-day Super trial"
        }
      }
    },
    {
      "slug": "ea_play",
      "name": "Ea Play",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.ea.com/legal/user-agreement",
          "notes": "EA Play subscriptions are generally non-refundable after billing."
        },
        "cancel": {
          "url": "https://help.ea.com/en/help/account/manage-your-ea-play-membership/",
          "notes": "Cancel auto-renewal anytime; access remains through paid term."
        },
        "return": {
          "url": "https://www.ea.com/legal/user-agreement",
          "notes": "Subscription charges are generally non-refundable after billing."
        },
        "trial": {
          "url": "https://www.ea.com/ea-play",
          "notes": "No standing free trial; promotions vary by platform and period."
        }
      }
    },
    {
      "slug": "espn_plus",
      "name": "Espn Plus",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.espn.com/espnplus/",
          "notes": "ESPN+ charges are generally non-refundable after billing."
        },
        "cancel": {
          "url": "https://www.espn.com/espnplus/",
          "notes": "Cancel anytime; access continues until end of billing period."
        },
        "return": {
          "url": "https://www.espn.com/espnplus/",
          "notes": "Digital subscription; no physical return process."
        },
        "trial": {
          "url": "https://www.espn.com/espnplus/",
          "notes": "No standing free trial in US; promotions may vary."
        }
      }
    },
    {
      "slug": "evernote",
      "name": "Evernote",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://help.evernote.com/hc/en-us/articles/115010561808-Evernote-Refund-Policy",
          "notes": "20-day window for monthly, 60-day for annual subscriptions"
        },
        "cancel": {
          "url": "https://help.evernote.com/hc/en-us/articles/115010561808-Evernote-Refund-Policy",
          "notes": "Cancel anytime; reverts to free tier"
        },
        "return": {
          "url": "https://help.evernote.com/hc/en-us/articles/115010561808-Evernote-Refund-Policy",
          "notes": "20-day monthly / 60-day annual return window"
        },
        "trial": {
          "url": "https://evernote.com/compare-plans",
          "notes": "14-day trial"
        }
      }
    },
    {
      "slug": "expressvpn",
      "name": "Expressvpn",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.expressvpn.com/support/manage-account/what-is-expressvpns-refund-policy/",
          "notes": "30-day money-back guarantee for first-time users"
        },
        "cancel": {
          "url": "https://www.expressvpn.com/support/manage-account/cancel-subscription/",
          "notes": "Cancel anytime; 30-day MBG on first purchase"
        },
        "return": {
          "url": "https://www.expressvpn.com/support/manage-account/what-is-expressvpns-refund-policy/",
          "notes": "30-day MBG first purchase"
        },
        "trial": {
          "url": "https://www.expressvpn.com/order",
          "notes": "7-day mobile trial; 30-day MBG"
        }
      }
    },
    {
      "slug": "figma",
      "name": "Figma",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.figma.com/legal/renewal-and-cancellation/",
          "notes": "Non-refundable; exceptions for price changes or service discontinuation"
        },
        "cancel": {
          "url": "https://www.figma.com/legal/renewal-and-cancellation/",
          "notes": "Cancel anytime; annual plans non-refundable"
        },
        "return": {
          "url": "https://www.figma.com/legal/renewal-and-cancellation/",
          "notes": "Non-refundable"
        },
        "trial": {
          "url": "https://www.figma.com/pricing/",
          "notes": "Free starter plan; Professional trial"
        }
      }
    },
    {
      "slug": "fitbit_premium",
      "name": "Fitbit Premium",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.fitbit.com/global/us/legal/terms-of-service",
          "notes": "Refund handling can vary by purchase channel (Fitbit, Apple, Google Play)."
        },
        "cancel": {
          "url": "https://support.google.com/fitbit/",
          "notes": "Cancel via account purchase channel; access continues through current term."
        },
        "return": {
          "url": "https://www.fitbit.com/global/us/legal/terms-of-service",
          "notes": "Refund handling depends on purchase channel and platform policies."
        },
        "trial": {
          "url": "https://www.fitbit.com/global/us/products/services/premium",
          "notes": "Trial availability and duration vary by account and promotion."
        }
      }
    },
    {
      "slug": "fubo_tv",
      "name": "FuboTV",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://support.fubo.tv/hc/en-us/articles/360004457571-What-Is-Fubo-s-Cancellation-Policy",
          "notes": "Non-refundable; no partial month refunds"
        },
        "cancel": {
          "url": "https://support.fubo.tv/hc/en-us/articles/360004457571-What-Is-Fubo-s-Cancellation-Policy",
          "notes": "Cancel anytime; no partial month refunds"
        },
        "return": {
          "url": "https://support.fubo.tv/hc/en-us/articles/360004457571-What-Is-Fubo-s-Cancellation-Policy",
          "notes": "Non-refundable"
        },
        "trial": {
          "url": "https://www.fubo.tv/welcome",
          "notes": "7-day free trial"
        }
      }
    },
    {
      "slug": "github_pro",
      "name": "GitHub Pro",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "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"
        },
        "cancel": {
          "url": "https://docs.github.com/en/billing/managing-the-plan-for-your-github-account/downgrading-your-accounts-plan",
          "notes": "Cancel anytime; access until end of billing period"
        },
        "return": {
          "url": "https://docs.github.com/en/billing/managing-the-plan-for-your-github-account/downgrading-your-accounts-plan",
          "notes": "Case-by-case via support"
        },
        "trial": {
          "url": "https://github.com/pricing",
          "notes": "No trial; free tier available"
        }
      }
    },
    {
      "slug": "google_one",
      "name": "Google One",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://one.google.com/about/plans",
          "notes": "Google subscriptions are generally non-refundable unless required by law."
        },
        "cancel": {
          "url": "https://one.google.com/about/plans",
          "notes": "Cancel anytime; plan remains active until end of billing period."
        },
        "return": {
          "url": "https://one.google.com/about/plans",
          "notes": "Digital membership; no physical return process."
        },
        "trial": {
          "url": "https://one.google.com/about/plans",
          "notes": "No universal free trial; promotional offers may vary by account/product."
        }
      }
    },
    {
      "slug": "google_play",
      "name": "Google Play",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://support.google.com/googleplay/answer/2479637",
          "notes": "48-hour refund window"
        },
        "cancel": {
          "url": "https://support.google.com/googleplay/answer/7018481",
          "notes": "Cancel via Play Store; access until end of period"
        },
        "return": {
          "url": "https://support.google.com/googleplay/answer/2479637",
          "notes": "48-hour return window"
        },
        "trial": {
          "url": "https://support.google.com/googleplay/answer/7018481",
          "notes": "No platform-level trial"
        }
      }
    },
    {
      "slug": "grammarly",
      "name": "Grammarly",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://support.grammarly.com/hc/en-us/articles/360049189071-Can-I-get-a-refund",
          "notes": "Non-refundable unless required by law"
        },
        "cancel": {
          "url": "https://support.grammarly.com/hc/en-us/articles/115000090191-How-do-I-cancel-my-Grammarly-subscription",
          "notes": "Cancel anytime; reverts to free tier"
        },
        "return": {
          "url": "https://support.grammarly.com/hc/en-us/articles/360049189071-Can-I-get-a-refund",
          "notes": "Non-refundable"
        },
        "trial": {
          "url": "https://www.grammarly.com/plans",
          "notes": "7-day Premium trial"
        }
      }
    },
    {
      "slug": "headspace",
      "name": "Headspace",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://help.headspace.com/hc/en-us/articles/19796788352411-What-is-the-refund-policy",
          "notes": "Non-refundable; case-by-case exceptions via email"
        },
        "cancel": {
          "url": "https://help.headspace.com/hc/en-us/articles/19796799989019-How-to-cancel-a-Headspace-subscription",
          "notes": "Cancel anytime; access until end of billing period"
        },
        "return": {
          "url": "https://help.headspace.com/hc/en-us/articles/19796788352411-What-is-the-refund-policy",
          "notes": "Non-refundable"
        },
        "trial": {
          "url": "https://www.headspace.com/subscriptions",
          "notes": "7-day free trial"
        }
      }
    },
    {
      "slug": "hellofresh",
      "name": "Hellofresh",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://hellofreshusa.zendesk.com/hc/en-us/sections/360006738874-Charges-Refunds",
          "notes": "Non-refundable; case-by-case for quality/delivery issues only"
        },
        "cancel": {
          "url": "https://www.hellofresh.com/about/faq",
          "notes": "Cancel 5 days before next delivery"
        },
        "return": {
          "url": "https://hellofreshusa.zendesk.com/hc/en-us/sections/360006738874-Charges-Refunds",
          "notes": "Non-refundable; quality issues only"
        },
        "trial": {
          "url": "https://www.hellofresh.com/plans",
          "notes": "No trial; first-box discounts"
        }
      }
    },
    {
      "slug": "hinge",
      "name": "Hinge",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "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"
        },
        "cancel": {
          "url": "https://help.hinge.co/hc/en-us/articles/13198710538515-How-can-I-request-a-refund",
          "notes": "Cancel anytime; access until end of billing period"
        },
        "return": {
          "url": "https://help.hinge.co/hc/en-us/articles/13198710538515-How-can-I-request-a-refund",
          "notes": "Non-refundable in US"
        },
        "trial": {
          "url": "https://hingeapp.zendesk.com/hc/en-us/articles/360011232034",
          "notes": "Occasional 7-day HingeX trial"
        }
      }
    },
    {
      "slug": "hulu",
      "name": "Hulu",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.hulu.com/subscriber_agreement",
          "notes": "No refunds for partial months"
        },
        "cancel": {
          "url": "https://help.hulu.com/article/cancel-subscription",
          "notes": "Cancel anytime; no partial month refunds"
        },
        "return": {
          "url": "https://www.hulu.com/subscriber_agreement",
          "notes": "No returns"
        },
        "trial": {
          "url": "https://www.hulu.com/start",
          "notes": "30-day free trial"
        }
      }
    },
    {
      "slug": "icloud_plus",
      "name": "iCloud+",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://support.apple.com/en-us/118223",
          "notes": "14-day refund window via Apple Report a Problem"
        },
        "cancel": {
          "url": "https://support.apple.com/en-us/108052",
          "notes": "Cancel anytime; storage downgrades at end of period"
        },
        "return": {
          "url": "https://support.apple.com/en-us/118223",
          "notes": "14-day return via Apple Report a Problem"
        },
        "trial": {
          "url": "https://support.apple.com/en-us/108052",
          "notes": "No trial; 5GB free tier"
        }
      }
    },
    {
      "slug": "instacart_plus",
      "name": "Instacart Plus",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.instacart.com/help/section/360007797952/4408784716820",
          "notes": "5-day refund window for annual plans if no orders placed"
        },
        "cancel": {
          "url": "https://www.instacart.com/help/section/360007797952/4408784716820",
          "notes": "Cancel anytime; annual refundable within 5 days if no orders"
        },
        "return": {
          "url": "https://www.instacart.com/help/section/360007797952/4408784716820",
          "notes": "5-day return if no orders placed"
        },
        "trial": {
          "url": "https://www.instacart.com/store/instacart-plus",
          "notes": "14-day trial"
        }
      }
    },
    {
      "slug": "keeper",
      "name": "Keeper",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.keepersecurity.com/terms.html",
          "notes": "Refund requests are handled per Keeper billing terms."
        },
        "cancel": {
          "url": "https://docs.keeper.io/user-guides/keeper-subscriptions-and-billing",
          "notes": "Cancel anytime; service remains active through current billing period."
        },
        "return": {
          "url": "https://www.keepersecurity.com/terms.html",
          "notes": "Refund requests may be available for recent purchases."
        },
        "trial": {
          "url": "https://www.keepersecurity.com/pricing/personal-and-family.html",
          "notes": "Free-trial availability can vary by plan and promotion."
        }
      }
    },
    {
      "slug": "kindle_unlimited",
      "name": "Kindle Unlimited",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.amazon.com/kindle-dbs/hz/subscribe/ku",
          "notes": "Membership charges are generally non-refundable after billing."
        },
        "cancel": {
          "url": "https://www.amazon.com/kindle-dbs/hz/subscribe/ku",
          "notes": "Cancel anytime; access continues until end of billing period."
        },
        "return": {
          "url": "https://www.amazon.com/kindle-dbs/hz/subscribe/ku",
          "notes": "Digital subscription; no physical return process."
        },
        "trial": {
          "url": "https://www.amazon.com/kindle-dbs/hz/subscribe/ku",
          "notes": "Typically offers a 30-day free trial for eligible users."
        }
      }
    },
    {
      "slug": "lastpass",
      "name": "Lastpass",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.lastpass.com/legal-center/terms-of-service",
          "notes": "Refund terms depend on plan and purchase channel."
        },
        "cancel": {
          "url": "https://support.lastpass.com/help/cancel-a-lastpass-subscription",
          "notes": "Cancel anytime; service remains active through current billing period."
        },
        "return": {
          "url": "https://www.lastpass.com/legal-center/terms-of-service",
          "notes": "Refund/return handling depends on purchase channel and plan."
        },
        "trial": {
          "url": "https://www.lastpass.com/pricing",
          "notes": "Free-trial availability can vary by plan and promotion."
        }
      }
    },
    {
      "slug": "linkedin_premium",
      "name": "Linkedin Premium",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.linkedin.com/legal/l/refund-policy",
          "notes": "Refundable within 7 days without usage"
        },
        "cancel": {
          "url": "https://www.linkedin.com/help/linkedin/answer/a545555",
          "notes": "Cancel anytime; access until end of billing period"
        },
        "return": {
          "url": "https://www.linkedin.com/legal/l/refund-policy",
          "notes": "7-day return if unused"
        },
        "trial": {
          "url": "https://premium.linkedin.com/",
          "notes": "1-month free trial"
        }
      }
    },
    {
      "slug": "masterclass",
      "name": "Masterclass",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "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"
        },
        "cancel": {
          "url": "https://www.masterclass.com/help-center/masterclass/answers/requesting-a-refund--id--ffUda_F-TPqkca5o9hJc5g",
          "notes": "Cancel anytime; annual plan access until end of period"
        },
        "return": {
          "url": "https://www.masterclass.com/help-center/masterclass/answers/requesting-a-refund--id--ffUda_F-TPqkca5o9hJc5g",
          "notes": "30-day guarantee first purchase"
        },
        "trial": {
          "url": "https://www.masterclass.com/legal/terms",
          "notes": "No trial; 30-day guarantee"
        }
      }
    },
    {
      "slug": "max",
      "name": "Max",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://help.hbomax.com/US/Answer/Detail/000002522",
          "notes": "No refunds (formerly HBO Max)"
        },
        "cancel": {
          "url": "https://help.max.com/US/Answer/Detail/000002536",
          "notes": "Cancel anytime; access until end of billing period"
        },
        "return": {
          "url": "https://help.hbomax.com/US/Answer/Detail/000002522",
          "notes": "No returns"
        },
        "trial": {
          "url": "https://www.max.com/",
          "notes": "No free trial in US"
        }
      }
    },
    {
      "slug": "microsoft_365",
      "name": "Microsoft 365",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "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"
        },
        "cancel": {
          "url": "https://support.microsoft.com/en-us/office/cancel-a-microsoft-365-subscription-46e2634a-c64d-4c57-820c-3aa8e525e4e0",
          "notes": "Cancel anytime; prorated refund within 30 days"
        },
        "return": {
          "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 return window"
        },
        "trial": {
          "url": "https://www.microsoft.com/en-us/microsoft-365/try",
          "notes": "1-month free trial"
        }
      }
    },
    {
      "slug": "midjourney",
      "name": "Midjourney",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "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"
        },
        "cancel": {
          "url": "https://docs.midjourney.com/hc/en-us/articles/25383543872269-Manage-Your-Subscription-Plan",
          "notes": "Cancel anytime; access until end of billing period"
        },
        "return": {
          "url": "https://docs.midjourney.com/hc/en-us/articles/25386088618253-Requesting-a-Refund",
          "notes": "Only if <20 GPU minutes used"
        },
        "trial": {
          "url": "https://www.midjourney.com/home",
          "notes": "No trial currently"
        }
      }
    },
    {
      "slug": "mlb_tv",
      "name": "Mlb TV",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.mlb.com/official-information/terms-of-use",
          "notes": "MLB terms of use and paid product billing conditions."
        },
        "cancel": {
          "url": "https://www.mlb.com/live-stream-games/help-center",
          "notes": "Cancel auto-renewal anytime; access remains through paid term."
        },
        "return": {
          "url": "https://www.mlb.com/official-information/terms-of-use",
          "notes": "MLB terms of use and paid product billing conditions."
        },
        "trial": {
          "url": "https://www.mlb.com/live-stream-games/subscribe",
          "notes": "No standing free trial; promotions may vary seasonally."
        }
      }
    },
    {
      "slug": "myfitnesspal_premium",
      "name": "Myfitnesspal Premium",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.myfitnesspal.com/terms-of-use",
          "notes": "Subscription refunds are generally limited and depend on purchase channel."
        },
        "cancel": {
          "url": "https://support.myfitnesspal.com/hc/en-us",
          "notes": "Cancel via web or app-store billing channel; access continues through current term."
        },
        "return": {
          "url": "https://www.myfitnesspal.com/terms-of-use",
          "notes": "Subscription charges are generally non-refundable."
        },
        "trial": {
          "url": "https://www.myfitnesspal.com/premium",
          "notes": "Trial availability and duration vary by account and promotion."
        }
      }
    },
    {
      "slug": "netflix",
      "name": "Netflix",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://help.netflix.com/en/node/22",
          "notes": "No refunds"
        },
        "cancel": {
          "url": "https://help.netflix.com/en/node/407",
          "notes": "Cancel anytime; access until end of billing period; account saved 10 months"
        },
        "return": {
          "url": "https://help.netflix.com/en/node/22",
          "notes": "No returns"
        },
        "trial": {
          "url": "https://www.netflix.com/signup",
          "notes": "No free trial since 2020"
        }
      }
    },
    {
      "slug": "new_york_times",
      "name": "New York Times",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.nytimes.com/subscription/terms-of-sale",
          "notes": "Subscription billing and refund terms for NYT digital products."
        },
        "cancel": {
          "url": "https://help.nytimes.com/hc/en-us/articles/360003499613-Cancel-your-subscription",
          "notes": "NYT cancellation flow and renewal behavior."
        },
        "return": {
          "url": "https://www.nytimes.com/subscription/terms-of-sale",
          "notes": "Subscription billing and refund terms for NYT digital products."
        },
        "trial": {
          "url": "https://www.nytimes.com/subscription",
          "notes": "Trial and promotional access may vary by offer and period."
        }
      }
    },
    {
      "slug": "nfl_plus",
      "name": "Nfl Plus",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.nfl.com/legal/subscriptions_terms",
          "notes": "NFL+ subscriptions are generally non-refundable after billing."
        },
        "cancel": {
          "url": "https://support.nfl.com/hc/en-us/articles/5402041435292-NFL-Subscription-Renewals-Cancellations",
          "notes": "Cancel auto-renewal anytime; access remains through paid term."
        },
        "return": {
          "url": "https://www.nfl.com/legal/subscriptions_terms",
          "notes": "Subscription fees are generally non-refundable after billing."
        },
        "trial": {
          "url": "https://www.nfl.com/plus/",
          "notes": "Free-trial availability and duration can vary by account and promotion."
        }
      }
    },
    {
      "slug": "nintendo_switch_online",
      "name": "Nintendo Switch Online",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.nintendo.com/us/refund-return-policy/digital-products/",
          "notes": "All payments final and non-refundable"
        },
        "cancel": {
          "url": "https://en-americas-support.nintendo.com/app/answers/detail/a_id/41228",
          "notes": "Turn off auto-renewal; access until end of period"
        },
        "return": {
          "url": "https://www.nintendo.com/us/refund-return-policy/digital-products/",
          "notes": "Non-refundable"
        },
        "trial": {
          "url": "https://www.nintendo.com/us/switch/online/",
          "notes": "7-day free trial"
        }
      }
    },
    {
      "slug": "noom",
      "name": "Noom",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.noom.com/support/faqs/programs/2025/10/noom-refund-policy/",
          "notes": "14-day refund window from first charge; renewals non-refundable"
        },
        "cancel": {
          "url": "https://www.noom.com/support/faqs/programs/2025/10/noom-refund-policy/",
          "notes": "Cancel anytime; renewals non-refundable"
        },
        "return": {
          "url": "https://www.noom.com/support/faqs/programs/2025/10/noom-refund-policy/",
          "notes": "14-day return from first charge"
        },
        "trial": {
          "url": "https://www.noom.com/",
          "notes": "7-day free trial"
        }
      }
    },
    {
      "slug": "nordvpn",
      "name": "Nordvpn",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://support.nordvpn.com/hc/en-us/articles/19476991311121-What-is-your-refund-policy",
          "notes": "30-day money-back guarantee for first purchase"
        },
        "cancel": {
          "url": "https://support.nordvpn.com/hc/en-us/articles/19476991311121-What-is-your-refund-policy",
          "notes": "Cancel anytime; 30-day MBG on first purchase"
        },
        "return": {
          "url": "https://support.nordvpn.com/hc/en-us/articles/19476991311121-What-is-your-refund-policy",
          "notes": "30-day MBG first purchase"
        },
        "trial": {
          "url": "https://nordvpn.com/pricing/",
          "notes": "7-day mobile trial; 30-day MBG"
        }
      }
    },
    {
      "slug": "notion",
      "name": "Notion",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.notion.so/pricing",
          "notes": "3-day refund window"
        },
        "cancel": {
          "url": "https://www.notion.com/help/upgrade-or-downgrade-your-plan",
          "notes": "Cancel anytime; reverts to free tier"
        },
        "return": {
          "url": "https://www.notion.so/pricing",
          "notes": "3-day return window"
        },
        "trial": {
          "url": "https://www.notion.so/pricing",
          "notes": "No trial; free plan available"
        }
      }
    },
    {
      "slug": "paramount_plus",
      "name": "Paramount Plus",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://help.paramountplus.com/s/article/PD-What-s-the-refund-policy-for-Paramount",
          "notes": "No refunds"
        },
        "cancel": {
          "url": "https://help.paramountplus.com/s/article/PD-How-do-I-cancel-my-Paramount-subscription",
          "notes": "Cancel anytime; access until end of billing period"
        },
        "return": {
          "url": "https://help.paramountplus.com/s/article/PD-What-s-the-refund-policy-for-Paramount",
          "notes": "No returns"
        },
        "trial": {
          "url": "https://www.paramountplus.com/",
          "notes": "7-day free trial"
        }
      }
    },
    {
      "slug": "patreon",
      "name": "Patreon",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.patreon.com/policy/legal",
          "notes": "Membership payments are generally non-refundable unless required by law."
        },
        "cancel": {
          "url": "https://support.patreon.com/hc/en-us/articles/204606315-How-do-I-cancel-my-membership",
          "notes": "Cancel anytime; benefits continue through paid period."
        },
        "return": {
          "url": "https://www.patreon.com/policy/legal",
          "notes": "Membership payments are generally non-refundable."
        },
        "trial": {
          "url": "https://www.patreon.com/",
          "notes": "No platform-wide trial for memberships; creator-level offers may vary."
        }
      }
    },
    {
      "slug": "peacock",
      "name": "Peacock",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.peacocktv.com/help/article/what-is-peacock-s-refund-policy",
          "notes": "Non-refundable at Peacock's discretion"
        },
        "cancel": {
          "url": "https://www.peacocktv.com/help/article/how-do-i-cancel-my-peacock-premium-plan",
          "notes": "Cancel anytime; reverts to free tier"
        },
        "return": {
          "url": "https://www.peacocktv.com/help/article/what-is-peacock-s-refund-policy",
          "notes": "Non-refundable"
        },
        "trial": {
          "url": "https://www.peacocktv.com/plans",
          "notes": "7-day Premium trial"
        }
      }
    },
    {
      "slug": "peloton",
      "name": "Peloton",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.onepeloton.com/membership-terms",
          "notes": "Non-refundable; no prorated refunds"
        },
        "cancel": {
          "url": "https://www.onepeloton.com/membership-terms",
          "notes": "Cancel anytime; no prorated refunds"
        },
        "return": {
          "url": "https://www.onepeloton.com/membership-terms",
          "notes": "Non-refundable"
        },
        "trial": {
          "url": "https://www.onepeloton.com/app",
          "notes": "30-day App trial"
        }
      }
    },
    {
      "slug": "playstation_plus",
      "name": "PlayStation Plus",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.playstation.com/en-us/legal/playstation-store-cancellation-policy/",
          "notes": "14-day cancellation window, pro-rated refund"
        },
        "cancel": {
          "url": "https://www.playstation.com/en-us/legal/playstation-store-cancellation-policy/",
          "notes": "Cancel auto-renewal; 14-day pro-rated refund window"
        },
        "return": {
          "url": "https://www.playstation.com/en-us/legal/playstation-store-cancellation-policy/",
          "notes": "14-day prorated return"
        },
        "trial": {
          "url": "https://store.playstation.com/en-us/category/ps-plus",
          "notes": "14-day trial"
        }
      }
    },
    {
      "slug": "proton",
      "name": "Proton",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://proton.me/pricing",
          "notes": "30-day money-back guarantee is commonly advertised for new paid plans."
        },
        "cancel": {
          "url": "https://proton.me/pricing",
          "notes": "Cancel anytime; service continues until end of billing period."
        },
        "return": {
          "url": "https://proton.me/pricing",
          "notes": "Digital subscription; no physical return process."
        },
        "trial": {
          "url": "https://proton.me/pricing",
          "notes": "No universal free trial for paid plans; free tier is available."
        }
      }
    },
    {
      "slug": "reddit_premium",
      "name": "Reddit Premium",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.reddit.com/premium",
          "notes": "Reddit Premium plan and billing details."
        },
        "cancel": {
          "url": "https://support.reddithelp.com/hc/en-us/articles/360050099112-How-do-I-cancel-Reddit-Premium",
          "notes": "Reddit Premium cancellation instructions by platform."
        },
        "return": {
          "url": "https://www.reddit.com/premium",
          "notes": "Reddit Premium plan and billing details."
        },
        "trial": {
          "url": "https://www.reddit.com/premium",
          "notes": "No standing free trial; promotional offers may vary."
        }
      }
    },
    {
      "slug": "ring_protect",
      "name": "Ring Protect",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://ring.com/protect-plans",
          "notes": "Ring Protect charges are generally non-refundable once billed."
        },
        "cancel": {
          "url": "https://ring.com/protect-plans",
          "notes": "Cancel anytime; coverage continues until end of billing period."
        },
        "return": {
          "url": "https://ring.com/protect-plans",
          "notes": "Digital service plan; no physical return process."
        },
        "trial": {
          "url": "https://ring.com/protect-plans",
          "notes": "New devices commonly include a limited Ring Protect trial."
        }
      }
    },
    {
      "slug": "roblox_premium",
      "name": "Roblox Premium",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://en.help.roblox.com/hc/en-us/articles/115004647846-Roblox-Terms-of-Use",
          "notes": "Digital subscription charges are generally non-refundable."
        },
        "cancel": {
          "url": "https://en.help.roblox.com/hc/en-us/articles/203312800-How-to-Cancel-Membership",
          "notes": "Cancel auto-renewal anytime; benefits continue through paid term."
        },
        "return": {
          "url": "https://en.help.roblox.com/hc/en-us/articles/115004647846-Roblox-Terms-of-Use",
          "notes": "Digital subscription charges are generally non-refundable."
        },
        "trial": {
          "url": "https://www.roblox.com/premium/membership",
          "notes": "No standard free trial for Roblox Premium."
        }
      }
    },
    {
      "slug": "scribd",
      "name": "Scribd",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://support.scribd.com/hc/en-us/articles/210133986-Refunds",
          "notes": "30-day refund window if subscription unused"
        },
        "cancel": {
          "url": "https://support.scribd.com/hc/en-us/articles/210133466-How-do-I-cancel-my-subscription",
          "notes": "Cancel anytime; access until end of billing period"
        },
        "return": {
          "url": "https://support.scribd.com/hc/en-us/articles/210133986-Refunds",
          "notes": "30-day return if unused"
        },
        "trial": {
          "url": "https://www.scribd.com/subscribe",
          "notes": "30-day free trial"
        }
      }
    },
    {
      "slug": "shutterstock",
      "name": "Shutterstock",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "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"
        },
        "cancel": {
          "url": "https://www.shutterstock.com/help/en/articles/10594851-can-i-get-a-refund-if-i-cancel-my-plan",
          "notes": "Annual plan: 50% ETF; monthly: cancel anytime"
        },
        "return": {
          "url": "https://www.shutterstock.com/help/en/articles/10594851-can-i-get-a-refund-if-i-cancel-my-plan",
          "notes": "Non-refundable; ETF on annual"
        },
        "trial": {
          "url": "https://www.shutterstock.com/pricing",
          "notes": "1-month trial with 10 images"
        }
      }
    },
    {
      "slug": "siriusxm",
      "name": "Siriusxm",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.siriusxm.com/customeragreement/",
          "notes": "Customer agreement and billing terms for SiriusXM subscriptions."
        },
        "cancel": {
          "url": "https://www.siriusxm.com/help/manage-or-cancel-service/",
          "notes": "Cancellation path and billed-term access behavior for SiriusXM subscriptions."
        },
        "return": {
          "url": "https://www.siriusxm.com/customeragreement/",
          "notes": "Customer agreement and billing terms for SiriusXM subscriptions."
        },
        "trial": {
          "url": "https://www.siriusxm.com/offers",
          "notes": "Trial availability and duration vary by account and promotion."
        }
      }
    },
    {
      "slug": "slack",
      "name": "Slack",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://slack.com/help/articles/218915077-Slacks-Fair-Billing-Policy",
          "notes": "No refunds for unused time"
        },
        "cancel": {
          "url": "https://slack.com/help/articles/218915077-Slacks-Fair-Billing-Policy",
          "notes": "Cancel anytime; prorated credit via Fair Billing"
        },
        "return": {
          "url": "https://slack.com/help/articles/218915077-Slacks-Fair-Billing-Policy",
          "notes": "Credit via Fair Billing"
        },
        "trial": {
          "url": "https://slack.com/pricing",
          "notes": "90-day Pro trial for teams"
        }
      }
    },
    {
      "slug": "sling_tv",
      "name": "Sling TV",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.sling.com/help/en/account-questions/account-changes/pause-cancel-subscription",
          "notes": "Non-refundable; no partial month refunds"
        },
        "cancel": {
          "url": "https://www.sling.com/help/en/account-questions/account-changes/pause-cancel-subscription",
          "notes": "Cancel anytime; no partial month refunds"
        },
        "return": {
          "url": "https://www.sling.com/help/en/account-questions/account-changes/pause-cancel-subscription",
          "notes": "Non-refundable"
        },
        "trial": {
          "url": "https://www.sling.com/help/en/account-questions/account-changes/pause-cancel-subscription",
          "notes": "No standard trial"
        }
      }
    },
    {
      "slug": "snapchat_plus",
      "name": "Snapchat Plus",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.snap.com/terms",
          "notes": "Snap subscription terms and billing conditions."
        },
        "cancel": {
          "url": "https://help.snapchat.com/hc/en-us/articles/7012334940948-Snapchat-",
          "notes": "Snapchat+ cancellation is managed through purchase channel settings."
        },
        "return": {
          "url": "https://www.snap.com/terms",
          "notes": "Snap subscription terms and billing conditions."
        },
        "trial": {
          "url": "https://www.snapchat.com/plus",
          "notes": "Trial availability varies by account and purchase channel."
        }
      }
    },
    {
      "slug": "soundcloud_go",
      "name": "Soundcloud Go",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://help.soundcloud.com/hc/en-us/articles/115003566468-Canceling-your-SoundCloud-Go-subscription",
          "notes": "SoundCloud Go subscription management and cancellation guidance."
        },
        "cancel": {
          "url": "https://help.soundcloud.com/hc/en-us/articles/115003566468-Canceling-your-SoundCloud-Go-subscription",
          "notes": "SoundCloud Go cancellation instructions and renewal behavior."
        },
        "return": {
          "url": "https://help.soundcloud.com/hc/en-us/articles/115003566468-Canceling-your-SoundCloud-Go-subscription",
          "notes": "SoundCloud Go subscription management and cancellation guidance."
        },
        "trial": {
          "url": "https://help.soundcloud.com/hc/en-us/articles/115003566468-Canceling-your-SoundCloud-Go-subscription",
          "notes": "Trial availability and duration vary by region and offer."
        }
      }
    },
    {
      "slug": "spotify",
      "name": "Spotify",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.spotify.com/us/legal/end-user-agreement/",
          "notes": "No refunds"
        },
        "cancel": {
          "url": "https://support.spotify.com/us/article/cancel-premium/",
          "notes": "Cancel anytime; reverts to free tier"
        },
        "return": {
          "url": "https://www.spotify.com/us/legal/end-user-agreement/",
          "notes": "No returns"
        },
        "trial": {
          "url": "https://www.spotify.com/us/premium/",
          "notes": "1-month Premium trial"
        }
      }
    },
    {
      "slug": "squarespace",
      "name": "Squarespace",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://support.squarespace.com/hc/en-us/articles/360000623648-Refund-policies",
          "notes": "14-day refund window for annual website plans (first payment only)"
        },
        "cancel": {
          "url": "https://support.squarespace.com/hc/en-us/articles/205815928-Canceling-your-Squarespace-subscription",
          "notes": "Cancel anytime; site goes offline at end of period"
        },
        "return": {
          "url": "https://support.squarespace.com/hc/en-us/articles/360000623648-Refund-policies",
          "notes": "14-day return for new annual plans"
        },
        "trial": {
          "url": "https://www.squarespace.com/pricing",
          "notes": "14-day trial; no card needed"
        }
      }
    },
    {
      "slug": "starz",
      "name": "Starz",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.starz.com/us/en/termsofuse",
          "notes": "STARZ subscription terms and billing behavior."
        },
        "cancel": {
          "url": "https://www.starz.com/us/en/termsofuse",
          "notes": "STARZ subscription cancellation and billing behavior."
        },
        "return": {
          "url": "https://www.starz.com/us/en/termsofuse",
          "notes": "STARZ subscription terms and billing behavior."
        },
        "trial": {
          "url": "https://www.starz.com/us/en/termsofuse",
          "notes": "Trial availability and duration can vary by promotion."
        }
      }
    },
    {
      "slug": "strava",
      "name": "Strava",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.strava.com/legal/terms",
          "notes": "14-day full refund window from date of purchase"
        },
        "cancel": {
          "url": "https://support.strava.com/hc/en-us/articles/216917967-Cancel-Subscription",
          "notes": "Cancel anytime; reverts to free tier"
        },
        "return": {
          "url": "https://www.strava.com/legal/terms",
          "notes": "14-day return"
        },
        "trial": {
          "url": "https://www.strava.com/subscribe",
          "notes": "30-day subscription trial"
        }
      }
    },
    {
      "slug": "substack",
      "name": "Substack",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://support.substack.com/hc/en-us/articles/360037488271-How-do-I-cancel-a-subscription",
          "notes": "Substack subscription management and cancellation guidance."
        },
        "cancel": {
          "url": "https://support.substack.com/hc/en-us/articles/360037488271-How-do-I-cancel-a-subscription",
          "notes": "Substack cancellation steps for paid subscriptions."
        },
        "return": {
          "url": "https://support.substack.com/hc/en-us/articles/360037488271-How-do-I-cancel-a-subscription",
          "notes": "Substack subscription management and cancellation guidance."
        },
        "trial": {
          "url": "https://support.substack.com/hc/en-us/articles/360037488271-How-do-I-cancel-a-subscription",
          "notes": "No platform-wide trial; creators can configure free or paid offers."
        }
      }
    },
    {
      "slug": "surfshark",
      "name": "Surfshark",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "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"
        },
        "cancel": {
          "url": "https://support.surfshark.com/hc/en-us/articles/360003103653-What-is-Surfshark-s-refund-policy",
          "notes": "Cancel anytime; 30-day MBG on first purchase"
        },
        "return": {
          "url": "https://support.surfshark.com/hc/en-us/articles/360003103653-What-is-Surfshark-s-refund-policy",
          "notes": "30-day MBG initial purchase"
        },
        "trial": {
          "url": "https://surfshark.com/pricing",
          "notes": "7-day mobile trial; 30-day MBG"
        }
      }
    },
    {
      "slug": "telegram_premium",
      "name": "Telegram Premium",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://telegram.org/tos",
          "notes": "Telegram terms page covering subscription terms and billing behavior."
        },
        "cancel": {
          "url": "https://telegram.org/faq",
          "notes": "Telegram Premium cancellation depends on purchase channel."
        },
        "return": {
          "url": "https://telegram.org/tos",
          "notes": "Telegram terms page covering subscription terms and billing behavior."
        },
        "trial": {
          "url": "https://telegram.org/premium",
          "notes": "No standing free trial for Telegram Premium."
        }
      }
    },
    {
      "slug": "tidal",
      "name": "Tidal",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://support.tidal.com/hc/en-us/articles/203134791-Refund-Policy",
          "notes": "No refunds in US"
        },
        "cancel": {
          "url": "https://support.tidal.com/hc/en-us/articles/203134791-Refund-Policy",
          "notes": "Cancel anytime; access until end of billing period"
        },
        "return": {
          "url": "https://support.tidal.com/hc/en-us/articles/203134791-Refund-Policy",
          "notes": "No returns in US"
        },
        "trial": {
          "url": "https://tidal.com/pricing",
          "notes": "30-day free trial"
        }
      }
    },
    {
      "slug": "tinder",
      "name": "Tinder",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.help.tinder.com/hc/en-us/articles/115003521343-Refund-Requests",
          "notes": "Non-refundable in US; 14-day window EU only"
        },
        "cancel": {
          "url": "https://www.help.tinder.com/hc/en-us/articles/115003365946-How-do-I-cancel-my-subscription",
          "notes": "Cancel anytime; access until end of billing period"
        },
        "return": {
          "url": "https://www.help.tinder.com/hc/en-us/articles/115003521343-Refund-Requests",
          "notes": "Non-refundable in US"
        },
        "trial": {
          "url": "https://tinder.com/feature/subscription-tiers",
          "notes": "No trial for paid tiers"
        }
      }
    },
    {
      "slug": "todoist",
      "name": "Todoist",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.todoist.com/help/articles/request-a-refund-P1PoqD3J",
          "notes": "30-day refund window for yearly plans; monthly non-refundable"
        },
        "cancel": {
          "url": "https://www.todoist.com/help/articles/manage-your-plan-or-billing-tRBHzjBBT",
          "notes": "Cancel anytime; reverts to free tier"
        },
        "return": {
          "url": "https://www.todoist.com/help/articles/request-a-refund-P1PoqD3J",
          "notes": "30-day return for yearly plans"
        },
        "trial": {
          "url": "https://todoist.com/pricing",
          "notes": "30-day Pro trial; no card needed"
        }
      }
    },
    {
      "slug": "twitch",
      "name": "Twitch",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.twitch.tv/p/en/legal/terms-of-sale/",
          "notes": "Non-refundable; exceptions at Twitch's discretion"
        },
        "cancel": {
          "url": "https://help.twitch.tv/s/article/cancel-twitch-turbo",
          "notes": "Cancel Turbo anytime; access until end of billing period"
        },
        "return": {
          "url": "https://www.twitch.tv/p/en/legal/terms-of-sale/",
          "notes": "Non-refundable"
        },
        "trial": {
          "url": "https://www.twitch.tv/turbo",
          "notes": "No trial for Turbo"
        }
      }
    },
    {
      "slug": "uber_one",
      "name": "Uber One",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.uber.com/us/en/u/uber-one/",
          "notes": "Membership charges are generally non-refundable once billed."
        },
        "cancel": {
          "url": "https://www.uber.com/us/en/u/uber-one/",
          "notes": "Cancel anytime; benefits continue until end of billing cycle."
        },
        "return": {
          "url": "https://www.uber.com/us/en/u/uber-one/",
          "notes": "Digital membership; no physical return process."
        },
        "trial": {
          "url": "https://www.uber.com/us/en/u/uber-one/",
          "notes": "No universal free trial; promotional offers may vary by account."
        }
      }
    },
    {
      "slug": "ubisoft_plus",
      "name": "Ubisoft Plus",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://legal.ubi.com/termsofuse/en-US",
          "notes": "Ubisoft+ subscriptions are generally non-refundable after billing."
        },
        "cancel": {
          "url": "https://www.ubisoft.com/help/article/canceling-a-ubisoft-subscription/000064975",
          "notes": "Cancel auto-renewal anytime; access remains through paid term."
        },
        "return": {
          "url": "https://legal.ubi.com/termsofuse/en-US",
          "notes": "Subscription charges are generally non-refundable after billing."
        },
        "trial": {
          "url": "https://store.ubisoft.com/us/ubisoftplus",
          "notes": "No standing free trial; promotions vary by region and period."
        }
      }
    },
    {
      "slug": "wall_street_journal",
      "name": "Wall Street Journal",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://customercenter.wsj.com/help/article?topic=Policies&title=Cancellation%20%26%20Refund%20Policy",
          "notes": "WSJ cancellation and refund policy guidance."
        },
        "cancel": {
          "url": "https://customercenter.wsj.com/help/article?topic=Policies&title=Cancellation%20%26%20Refund%20Policy",
          "notes": "WSJ cancellation and refund policy guidance."
        },
        "return": {
          "url": "https://customercenter.wsj.com/help/article?topic=Policies&title=Cancellation%20%26%20Refund%20Policy",
          "notes": "WSJ cancellation and refund policy guidance."
        },
        "trial": {
          "url": "https://www.wsj.com/subscribe",
          "notes": "Trial and promotional access may vary by offer and period."
        }
      }
    },
    {
      "slug": "walmart_plus",
      "name": "Walmart Plus",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.walmart.com/help/article/walmart-terms-of-use/de696dfa1dd4423bb1005668dd19b845",
          "notes": "Non-refundable; benefits continue until end of billing cycle"
        },
        "cancel": {
          "url": "https://www.walmart.com/help/article/walmart-plus-cancellation/eacb97cd44a84d0c877d5e7f2b7e39c4",
          "notes": "Cancel anytime; benefits until end of billing cycle"
        },
        "return": {
          "url": "https://www.walmart.com/help/article/walmart-terms-of-use/de696dfa1dd4423bb1005668dd19b845",
          "notes": "Non-refundable"
        },
        "trial": {
          "url": "https://www.walmart.com/plus",
          "notes": "30-day free trial"
        }
      }
    },
    {
      "slug": "washington_post",
      "name": "Washington Post",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://helpcenter.washingtonpost.com/hc/en-us/articles/360040497371-Cancel-my-subscription",
          "notes": "Washington Post subscription management and cancellation guidance."
        },
        "cancel": {
          "url": "https://helpcenter.washingtonpost.com/hc/en-us/articles/360040497371-Cancel-my-subscription",
          "notes": "Washington Post cancellation instructions and renewal behavior."
        },
        "return": {
          "url": "https://helpcenter.washingtonpost.com/hc/en-us/articles/360040497371-Cancel-my-subscription",
          "notes": "Washington Post subscription management and cancellation guidance."
        },
        "trial": {
          "url": "https://www.washingtonpost.com/subscribe/",
          "notes": "Trial and promotional access may vary by offer and period."
        }
      }
    },
    {
      "slug": "weightwatchers",
      "name": "Weightwatchers",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://www.weightwatchers.com/us/terms-and-conditions",
          "notes": "Refund eligibility depends on selected plan and commitment."
        },
        "cancel": {
          "url": "https://www.weightwatchers.com/us/help",
          "notes": "Cancellation terms vary by commitment and plan type."
        },
        "return": {
          "url": "https://www.weightwatchers.com/us/terms-and-conditions",
          "notes": "Refund eligibility depends on selected plan and commitment."
        },
        "trial": {
          "url": "https://www.weightwatchers.com/us/plans",
          "notes": "No standing free trial; promotions vary by period and plan."
        }
      }
    },
    {
      "slug": "wix",
      "name": "Wix",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "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"
        },
        "cancel": {
          "url": "https://support.wix.com/en/article/canceling-a-premium-plan",
          "notes": "Cancel anytime; 14-day refund for new plans"
        },
        "return": {
          "url": "https://support.wix.com/en/article/requesting-a-refund-for-a-premium-plan",
          "notes": "14-day MBG for new plans"
        },
        "trial": {
          "url": "https://www.wix.com/upgrade/website",
          "notes": "14-day MBG; free plan available"
        }
      }
    },
    {
      "slug": "x_premium",
      "name": "X Premium",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://help.x.com/en/using-x/x-premium",
          "notes": "X Premium subscription details and billing behavior."
        },
        "cancel": {
          "url": "https://help.x.com/en/using-x/x-premium",
          "notes": "X Premium cancellation and billing details."
        },
        "return": {
          "url": "https://help.x.com/en/using-x/x-premium",
          "notes": "X Premium subscription details and billing behavior."
        },
        "trial": {
          "url": "https://x.com/i/premium_sign_up",
          "notes": "No standing free trial; promotional offers may vary."
        }
      }
    },
    {
      "slug": "xbox_game_pass",
      "name": "Xbox Game Pass",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "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"
        },
        "cancel": {
          "url": "https://support.xbox.com/en-US/help/subscriptions-billing/manage-subscriptions/cancel-recurring-billing-or-subscription",
          "notes": "Cancel anytime; access until end of billing period"
        },
        "return": {
          "url": "https://support.xbox.com/en-US/help/subscriptions-billing/manage-subscriptions/cancel-recurring-billing-or-subscription",
          "notes": "30-day return from initial purchase"
        },
        "trial": {
          "url": "https://www.xbox.com/en-US/xbox-game-pass",
          "notes": "14-day trial or $1 first month"
        }
      }
    },
    {
      "slug": "youtube_premium",
      "name": "YouTube Premium",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://support.google.com/youtube/answer/12014038",
          "notes": "No refunds for current billing period"
        },
        "cancel": {
          "url": "https://support.google.com/youtube/answer/6308278",
          "notes": "Cancel anytime; reverts to free tier"
        },
        "return": {
          "url": "https://support.google.com/youtube/answer/12014038",
          "notes": "No returns"
        },
        "trial": {
          "url": "https://www.youtube.com/premium",
          "notes": "1-month free trial"
        }
      }
    },
    {
      "slug": "youtube_tv",
      "name": "Youtube TV",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://tv.youtube.com/",
          "notes": "Generally non-refundable after billing; see YouTube TV terms/support for exceptions."
        },
        "cancel": {
          "url": "https://tv.youtube.com/",
          "notes": "Cancel anytime; access continues until end of billing period."
        },
        "return": {
          "url": "https://tv.youtube.com/",
          "notes": "Digital subscription; no physical return process."
        },
        "trial": {
          "url": "https://tv.youtube.com/",
          "notes": "Free-trial availability and length vary by account and promotion."
        }
      }
    },
    {
      "slug": "zoom",
      "name": "Zoom",
      "available_policy_count": 4,
      "policies": {
        "refund": {
          "url": "https://support.zoom.com/hc/en/article?id=zm_kb&sysparm_article=KB0066687",
          "notes": "All subscription fees non-refundable"
        },
        "cancel": {
          "url": "https://support.zoom.com/hc/en/article?id=zm_kb&sysparm_article=KB0060842",
          "notes": "Cancel anytime; annual plans non-refundable"
        },
        "return": {
          "url": "https://support.zoom.com/hc/en/article?id=zm_kb&sysparm_article=KB0066687",
          "notes": "Non-refundable"
        },
        "trial": {
          "url": "https://zoom.us/pricing",
          "notes": "No paid plan trial; free Basic plan"
        }
      }
    }
  ]
}