💳 訂閱與退費條款（Subscription & Refund Policy）

最後更新：2026年9月8日 · 版本：v1.0
服務提供方：【香港公司法定名稱，待註冊完成後補充】 · 本條款構成《服務條款》不可分割的一部分
⚠️ 請在下單付費前仔細閱讀本條款。您完成訂閱支付，即視爲已閱讀、理解並無條件同意本條款的全部內容。

1. 訂閱週期與價格

1.1 本服務提供以下付費方式（具體價格以本網站訂閱頁面屆時標示爲準）：

1.2 訂閱服務自支付成功之日起即時生效。免費體驗用戶升級爲付費用戶時，已使用的免費體驗期不折算爲付費時長。

1.3 冷靜期（全額退款保障）：爲保障新訂閱用戶體驗，自支付成功之日起，月付用戶享有 7個自然日、年付用戶享有 14個自然日 的冷靜期。冷靜期內如對服務不滿意，可申請全額退款、無需說明理由；超出冷靜期後，退款按本條款第3條（月付）與第4條（年付）執行。

1.4 免費體驗期屆滿後，本公司不會自動扣費或自動轉爲付費計劃；您須主動選擇付費計劃並完成支付，訂閱方自支付成功之日起生效。

2. 續費方式（用戶自行選擇）

2.1 用戶訂閱付費計劃時，可在以下兩種續費方式中自行選擇其一：

  1. 自動續費：授權本公司在每個計費週期開始時，從用戶指定的支付賬戶自動扣取下一計費週期的訂閱費用，服務連續有效直至用戶取消。用戶可隨時取消自動續費；
  2. 手動續費：每個計費週期屆滿前，由用戶主動確認並支付下一計費週期的費用；未按時續費的，服務在當期屆滿後自動停止。

2.2 用戶可在「個人中心」隨時查看並切換續費方式。由自動續費切換爲手動續費的，自下一計費週期起生效；由手動續費切換爲自動續費的，需用戶重新完成支付授權。

2.3 本公司將在每個計費週期屆滿前，通過註冊郵箱向用戶發送到期提醒（含自動續費用戶），以便用戶及時管理訂閱。

2.4 自動續費失敗的處理：如自動續費扣款失敗，本公司將通過註冊郵箱發出扣款失敗提醒並給予合理的寬限期；寬限期內未完成支付的，本服務將在當期屆滿後暫停，用戶可在補繳後恢復。若多次扣款失敗，自動續費將被取消，改爲手動續費，本公司將通過郵件另行通知。

3. 月付用戶的取消（冷靜期外無退費）

3.1 月付用戶如不再需要本服務，只需停止續費即可：

3.2 取消後：當期已付費服務繼續有效至當期屆滿，屆滿後自動停止，此後不再產生任何費用。

3.3 月付用戶已支付的當期費用不予退還。月付服務按"用完當期即止"的原則執行，無需也不提供退費手續。

4. 年付用戶的退訂與退費

4.1 年付用戶可在訂閱期內申請中途退訂。冷靜期（訂閱後14個自然日）內申請退訂的，按第1.3條全額退款；冷靜期後申請退訂的，按下列規則獲得部分退款。

應退金額 = 已付年費總額 − 已使用月份 × 該套餐正常月費單價

4.2 已使用月份的計算：按自然月計算，跨月即算作1個月；不足1個月的按1個月計算；至少按1個月計。

4.3 優惠收回：退款按"該套餐正常月費單價"扣減已使用部分，而非按年付折算的月單價。凡享受年付優惠後提前退訂的用戶，其已使用部分按正常月價計費，年付優惠隨退訂一併收回。

4.4 若按上述公式計算出的應扣費用 ≥ 已付年費總額，則不予退款（應退金額爲0）。

📌 舉例一（可退款）：標準版按年付費 $429，正常月價按年價折算 $35.75/月（$429 ÷ 12）。用戶使用滿4個月後申請退訂：
應扣費用 = 4個月 × $35.75 = $143；應退金額 = $429 − $143 = $286

📌 舉例二（不可退款）：同一套餐用戶使用滿11個月後申請退訂：
應扣費用 = 11個月 × $35.75 = $393.25 < $429；應退金額 = $429 − $393.25 = $35.75（接近滿年，僅退一個月折價）

5. 退費申請流程

  1. 年付用戶可在「個人中心」查看退費預估，或通過客服郵箱（service1@stkdata.tech）提交退訂申請；
  2. 本公司將在收到有效退訂申請後7個工作日內完成審覈並辦理退款；
  3. 退款將原路退回至用戶原支付賬戶；因支付渠道處理時限，款項到賬時間以渠道實際爲準；
  4. 退費辦理完成後，用戶賬戶即降級爲免費體驗狀態，原自選股配置將予以保留，用戶可隨時重新訂閱。

6. 不予退款的情形

7. 價格調整與通知

7.1 本公司有權調整訂閱價格。價格調整不影響已生效的訂閱週期，續費（含自動續費扣款）按調整後的價格執行。

7.2 對已開啓自動續費的用戶，若續費價格發生調整，本公司將提前通過註冊郵箱通知用戶，用戶屆時可選擇是否繼續。

8. 適用法律與司法管轄

本條款受中華人民共和國香港特別行政區法律管轄並據其解釋。因本條款產生的任何爭議，經友好協商不成的，提交香港特別行政區有管轄權的法院解決。本條款以中文與英文提供，如中英文版本存在不一致或歧義，以中文版本爲準。
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💳 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.
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