💳 订阅与退费条款（Subscription & Refund Policy）

最后更新：2026年9月8日 · 版本：v1.0
服务提供方：【香港公司法定名称，待注册完成后补充】 · 本条款构成《服务条款》不可分割的一部分
⚠️ 请在下单付费前仔细阅读本条款。您完成订阅支付，即视为已阅读、理解并无条件同意本条款的全部内容。

1. 订阅周期与价格

1.1 本服务提供以下付费方式（具体价格以本网站订阅页面届时标示为准）：

1.2 订阅服务自支付成功之日起即时生效。免费体验用户升级为付费用户时，已使用的免费体验期不折算为付费时长。

1.3 冷静期（全额退款保障）：为保障新订阅用户体验，自支付成功之日起，月付用户享有 7个自然日、年付用户享有 14个自然日 的冷静期。冷静期内如对服务不满意，可申请全额退款、无需说明理由；超出冷静期后，退款按本条款第3条（月付）与第4条（年付）执行。

1.4 免费体验期届满后，本公司不会自动扣费或自动转为付费计划；您须主动选择付费计划并完成支付，订阅方自支付成功之日起生效。

2. 续费方式（用户自行选择）

2.1 用户订阅付费计划时，可在以下两种续费方式中自行选择其一：

  1. 自动续费：授权本公司在每个计费周期开始时，从用户指定的支付账户自动扣取下一计费周期的订阅费用，服务连续有效直至用户取消。用户可随时取消自动续费；
  2. 手动续费：每个计费周期届满前，由用户主动确认并支付下一计费周期的费用；未按时续费的，服务在当期届满后自动停止。

2.2 用户可在「个人中心」随时查看并切换续费方式。由自动续费切换为手动续费的，自下一计费周期起生效；由手动续费切换为自动续费的，需用户重新完成支付授权。

2.3 本公司将在每个计费周期届满前，通过注册邮箱向用户发送到期提醒（含自动续费用户），以便用户及时管理订阅。

2.4 自动续费失败的处理：如自动续费扣款失败，本公司将通过注册邮箱发出扣款失败提醒并给予合理的宽限期；宽限期内未完成支付的，本服务将在当期届满后暂停，用户可在补缴后恢复。若多次扣款失败，自动续费将被取消，改为手动续费，本公司将通过邮件另行通知。

3. 月付用户的取消（冷静期外无退费）

3.1 月付用户如不再需要本服务，只需停止续费即可：

3.2 取消后：当期已付费服务继续有效至当期届满，届满后自动停止，此后不再产生任何费用。

3.3 月付用户已支付的当期费用不予退还。月付服务按"用完当期即止"的原则执行，无需也不提供退费手续。

4. 年付用户的退订与退费

4.1 年付用户可在订阅期内申请中途退订。冷静期（订阅后14个自然日）内申请退订的，按第1.3条全额退款；冷静期后申请退订的，按下列规则获得部分退款。

应退金额 = 已付年费总额 − 已使用月份 × 该套餐正常月费单价

4.2 已使用月份的计算：按自然月计算，跨月即算作1个月；不足1个月的按1个月计算；至少按1个月计。

4.3 优惠收回：退款按"该套餐正常月费单价"扣减已使用部分，而非按年付折算的月单价。凡享受年付优惠后提前退订的用户，其已使用部分按正常月价计费，年付优惠随退订一并收回。

4.4 若按上述公式计算出的应扣费用 ≥ 已付年费总额，则不予退款（应退金额为0）。

📌 举例一（可退款）：标准版按年付费 $429，正常月价按年价折算 $35.75/月（$429 ÷ 12）。用户使用满4个月后申请退订：
应扣费用 = 4个月 × $35.75 = $143；应退金额 = $429 − $143 = $286

📌 举例二（不可退款）：同一套餐用户使用满11个月后申请退订：
应扣费用 = 11个月 × $35.75 = $393.25 < $429；应退金额 = $429 − $393.25 = $35.75（接近满年，仅退一个月折价）

5. 退费申请流程

  1. 年付用户可在「个人中心」查看退费预估，或通过客服邮箱（service1@stkdata.tech）提交退订申请；
  2. 本公司将在收到有效退订申请后7个工作日内完成审核并办理退款；
  3. 退款将原路退回至用户原支付账户；因支付渠道处理时限，款项到账时间以渠道实际为准；
  4. 退费办理完成后，用户账户即降级为免费体验状态，原自选股配置将予以保留，用户可随时重新订阅。

6. 不予退款的情形

7. 价格调整与通知

7.1 本公司有权调整订阅价格。价格调整不影响已生效的订阅周期，续费（含自动续费扣款）按调整后的价格执行。

7.2 对已开启自动续费的用户，若续费价格发生调整，本公司将提前通过注册邮箱通知用户，用户届时可选择是否继续。

8. 适用法律与司法管辖

本条款受中华人民共和国香港特别行政区法律管辖并据其解释。因本条款产生的任何争议，经友好协商不成的，提交香港特别行政区有管辖权的法院解决。本条款以中文与英文提供，如中英文版本存在不一致或歧义，以中文版本为准。
← 返回订阅页

💳 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.
← Back to Subscription
服务条款 Terms · 隐私政策 Privacy · 订阅与退费条款 Refund