💳 Subscription & Refund Policy

Last Updated: 2026 Year 9 Month 8 Day · Version: v1.0
Service Provider: [Hong Kong Company Legal Name, to be supplemented after registration] · These Terms constitute an inseparable part of the Terms of Service
⚠️ Please read these Terms carefully before placing an order and making payment. By completing the subscription payment, you are deemed to have read, understood, and unconditionally agreed to all contents of these Terms.

1. Subscription Cycle and Price

1.1 This service provides the following payment methods (specific prices are subject to those indicated on the subscription page of this website at the time):

1.2 The subscription service takes effect immediately from the date of successful payment. When a free trial user upgrades to a paid user, the used free trial period is not converted into paid duration.

1.3 Cooling-off Period (Full Refund Guarantee):To ensure the experience of new subscribers, from the date of successful payment, monthly subscribers enjoy 7 calendar days, annual subscribers enjoy 14 calendar days cooling-off period. If dissatisfied with the service during the cooling-off period, you may apply for a full refund without providing a reason; after the cooling-off period, refunds are executed according to Article 3 (Monthly) and Article 4 (Annual) of these Terms.

1.4 After the free trial period expires, the Company will not automatically deduct fees or automatically convert to a paid plan; you must actively choose a paid plan and complete payment, and the subscription takes effect from the date of successful payment.

2. Renewal Method (User's Own Choice)

2.1 When subscribing to a paid plan, users may choose one of the following two renewal methods:choose one:

  1. Auto-Renewal: Authorize the Company to automatically deduct the subscription fee for the next billing cycle from the user's designated payment account at the beginning of each billing cycle, and the service remains continuously effective until the user cancels. Users may cancel auto-renewal at any time;
  2. Manual Renewal: Before the expiration of each billing cycle, the user actively confirms and pays the fee for the next billing cycle; if not renewed on time, the service automatically stops after the current period expires.

2.2 Users can view and switch renewal methods at any time in the "Personal Center". Switching from auto-renewal to manual renewal takes effect from the next billing cycle; switching from manual renewal to auto-renewal requires the user to complete payment authorization again.

2.3 The Company will send an expiration reminder (including to auto-renewal users) to the user's registered email before the expiration of each billing cycle, so that users can manage their subscriptions in a timely manner.

2.4 Handling of Auto-Renewal Failure:If the auto-renewal deduction fails, the Company will send a deduction failure reminder via the registered email and provide a reasonable grace period; if payment is not completed within the grace period, this service will be suspended after the current period expires, and users can resume after paying the outstanding amount. If multiple deductions fail, auto-renewal will be canceled and changed to manual renewal, and the Company will notify separately via email.

3. Cancellation for Monthly Subscribers (No Refund Outside Cooling-off Period)

3.1 If monthly subscribers no longer need this service, they only need to stop renewal:

3.2 After cancellation:The paid service for the current period remains valid until the end of the current period, and automatically stops after expiration, with no further charges incurred thereafter.

3.3 The current period fee paid by monthly subscribers is non-refundable. Monthly service is executed on the principle of "use until the end of the current period", and no refund procedure is required or provided.

4. Cancellation and Refund for Annual Subscribers

4.1 Annual subscribers may apply for mid-term cancellation during the subscription period. If cancellation is applied within the cooling-off period (14 calendar days after subscription), a full refund is given according to Article 1.3; if cancellation is applied after the cooling-off period, a partial refund is given according to the following rules.

Refund Amount = Total Annual Fee Paid − Months Used × Normal Monthly Unit Price of the Package

4.2 Calculation of months used:Calculated by calendar month, any crossing of a month counts as 1 month; less than 1 month is counted as 1 month; at least 1 months are counted.

4.3 Recovery of Discount:Refunds deduct the used portion based on the "normal monthly unit price of the package", not the monthly unit price converted from the annual payment. For users who enjoy the annual discount and then cancel early, the used portion is charged at the normal monthly price, and the annual discount is recovered along with the cancellation.

4.4 If the deductible fee calculated according to the above formula ≥ the total annual fee paid, no refund will be given (refund amount is 0).

📌 Example 1 (Refundable):Standard Edition paid annually $429, normal monthly price converted from annual price $35.75/month ($429 ÷ 12). User applies for cancellation after using for 4 months:
Deductible fee = 4 months × $35.75 = $143; Refund amount = $429 − $143 = $286

📌 Example 2 (Non-refundable):For the same package, the user applies for cancellation after 11 full months of use:
Amount to be deducted = 11 months × $35.75 = $393.25 < $429; Amount to be refunded = $429 − $393.25 = $35.75(Close to a full year, only one month's discount is refunded)

5. Refund Application Process

  1. Annual users can view the estimated refund in the "Personal Center", or submit a cancellation request via the customer service email (service1@stkdata.tech);
  2. The Company will, after receiving a valid cancellation request,within 7 business dayscomplete the review and process the refund;
  3. The refund will bereturned via the original routeto the user's original payment account; due to the processing time limits of the payment channel, the actual time the funds arrive shall be subject to the channel's actual processing;
  4. After the refund is completed, the user's account will be downgraded to the free trial status, and the original watchlist configuration will be retained, and the user may resubscribe at any time.

6. Circumstances in Which No Refund Is Given

7. Price Adjustments and Notice

7.1 The Company has the right to adjust subscription prices. Price adjustments do not affect subscription periods already in effect, and renewals (including automatic renewal deductions) shall be executed at the adjusted price.

7.2 For users who have enabled automatic renewal, if the renewal price is adjusted, the Company will notify the user in advance via the registered email, and the user may then choose whether to continue.

8. Governing Law and Jurisdiction

These Terms are governed by and shall be construed in accordance withthe laws of the Hong Kong Special Administrative Region of the People's Republic of China. Any dispute arising from these Terms, if it cannot be resolved through friendly negotiation, shall be submitted toa court with jurisdiction in the Hong Kong Special Administrative Regionfor resolution. These Terms are provided in Chinese and English. If there is any inconsistency or ambiguity between the Chinese and English versions,the Chinese version shall prevail.

💳 Subscription & Refund Policy

Last updated: 8 September 2026 · Version: v1.0
Service Provider: [Legal name of the Hong Kong company, to be supplemented after incorporation] · This Policy forms an integral part of the Terms of Service
⚠️ Please read this Policy carefully before placing an order. By completing a subscription payment, you acknowledge that you have read, understood, and unconditionally agree to all of the terms in this Policy.

1. Subscription Periods and Pricing

1.1 The Service offers the following payment methods (specific prices are subject to the subscription page of the Website as published from time to time):

1.2 The subscription takes effect immediately upon successful payment. When a free trial user upgrades to a paid plan, any free trial period already used will not be converted into paid service time.

1.3 Cooling-off period (full-refund guarantee): To protect the experience of new subscribers, monthly subscribers enjoy a cooling-off period of 7 calendar days and yearly subscribers enjoy a cooling-off period of 14 calendar days from the date of successful payment. If you are not satisfied during the cooling-off period, you may request a full refund without providing any reason; after the cooling-off period, refunds are governed by Section 3 (monthly) and Section 4 (yearly) of this Policy.

1.4 After the free trial period ends, we will not automatically charge you or automatically convert your account to a paid plan; you must actively select a paid plan and complete payment, and the subscription takes effect from the date of successful payment.

2. Renewal Method (Your Choice)

2.1 When subscribing to a paid plan, you may choose one of the following renewal methods:

  1. Auto-renewal: You authorise us to automatically charge the subscription fee for the next billing period from your designated payment account at the start of each billing period. The Service remains continuously active until you cancel. You may cancel auto-renewal at any time;
  2. Manual renewal: Before the end of each billing period, you actively confirm and pay the subscription fee for the next billing period. If you fail to renew on time, the Service will automatically cease after the current period ends.

2.2 You may view and switch your renewal method at any time in your "Account Centre". Switching from auto-renewal to manual renewal takes effect from the next billing period; switching from manual renewal to auto-renewal requires you to complete payment authorisation again.

2.3 We will send an expiry reminder to your registered email before the end of each billing period (including to auto-renewal users) so that you can manage your subscription in a timely manner.

2.4 Failed auto-renewal: If an auto-renewal charge fails, we will send a failed-charge notice to your registered email and allow a reasonable grace period; if payment is not completed within the grace period, the Service will be suspended after the end of the current period and may be restored once payment is made. If charges fail repeatedly, auto-renewal will be cancelled and changed to manual renewal, and we will notify you by email separately.

3. Cancellation by Monthly Subscribers (No Refund Outside the Cooling-off Period)

3.1 If you no longer need the Service as a monthly subscriber, simply stop renewing:

3.2 After cancellation: the paid service for the current period remains valid until the end of that period and will automatically cease afterwards, with no further charges.

3.3 Fees paid by monthly subscribers for the current period are non-refundable. Monthly service operates on a "use until the end of the current period" basis, and no refund procedure is required or provided.

4. Early Termination and Refund for Yearly Subscribers

4.1 Yearly subscribers may request early termination during the subscription period. If the request is made within the cooling-off period (14 calendar days after subscribing), a full refund applies under Section 1.3; if the request is made after the cooling-off period, a partial refund applies under the following rules.

Refund = Total annual fee paid − Months used × Standard monthly price of the plan

4.2 Calculation of months used: calculated on a calendar-month basis; crossing into a new month counts as one (1) full month; a partial month counts as one (1) full month; a minimum of one (1) month applies.

4.3 Recovery of discount: The deduction for the used period is based on the "standard monthly price of the plan", not the monthly-equivalent rate implied by the yearly price. If you cancel early after enjoying a yearly discount, the used period is charged at the standard monthly price and the yearly discount is recovered upon cancellation.

4.4 If the calculated deduction under the above formula is equal to or greater than the total annual fee paid, no refund will be made (refund amount = 0).

📌 Example 1 (refund payable): Standard plan billed yearly at $429, standard monthly rate $35.75/month ($429 ÷ 12). The user requests cancellation after using 4 full months:
Deduction = 4 months × $35.75 = $143; Refund = $429 − $143 = $286

📌 Example 2 (refund minimal): Same plan, the user requests cancellation after using 11 full months:
Deduction = 11 months × $35.75 = $393.25 < $429; Refund = $429 − $393.25 = $35.75 (near full year, only one discounted month refunded)

5. Refund Application Procedure

  1. Yearly subscribers may view a refund estimate in the "Account Centre" or submit a cancellation request via the customer service email (service1@stkdata.tech);
  2. We will review and process the refund within 7 business days after receiving a valid cancellation request;
  3. Refunds will be returned via the original payment method; the actual crediting time depends on the payment channel's processing time;
  4. After the refund is processed, your account will be downgraded to free-trial status. Your existing watchlist configuration will be retained, and you may resubscribe at any time.

6. Circumstances Where No Refund Applies

7. Price Adjustments and Notices

7.1 We reserve the right to adjust subscription prices. Price adjustments do not affect an already-effective subscription period; renewals (including auto-renewal charges) are made at the adjusted price.

7.2 For users with auto-renewal enabled, if the renewal price is adjusted, we will notify you in advance via your registered email, and you may decide whether to continue at that time.

8. Governing Law and Jurisdiction

This Policy is governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region of the People's Republic of China. Any dispute arising from this Policy that cannot be resolved through friendly negotiation shall be submitted to the courts of the Hong Kong Special Administrative Region with jurisdiction. This Policy is provided in both Chinese and English; in the event of any inconsistency or ambiguity between the Chinese and English versions, the Chinese version shall prevail.