Legal

Refund Policy

Effective date: July 12, 2026 · Last updated: July 12, 2026

Policy at a glance

15-day free trial · card required · cancel anytime during the trial and you won’t be charged.
You provide a payment method up front, but you are not charged during the trial.
First charge on day 16 unless you cancel during the trial.
Cancel any time during the trial = no charge.
After the first charge, monthly fees are non-refundable for partial periods (no proration). Cancelling stops the next renewal, and you keep access to the end of the month you have already paid for.
One free trial per customer.

In plain English

Try WIPKeep free for 15 days. We collect a payment method up front, but you are not charged during the trial.
Cancel any time before the trial ends and you are never charged — one click, no phone call, no fee.
If you don’t cancel, your first monthly charge happens on day 16, then it renews monthly until you cancel.
Cancel after a charge and you keep access to the end of the month you already paid for; we just stop the next renewal.
Monthly fees aren’t refunded for a partial month — but billing mistakes (like a duplicate charge) are always refunded, and we may grant a goodwill refund if something went wrong.
Stopping payment doesn’t delete your books. Your account goes free / read-only and you can still view and download your reports.
Think a charge is wrong? Email support@wipkeep.com before disputing it with your card company — we can almost always sort it out faster.

1. Who this Policy is from and who it covers

This Refund & Cancellation Policy (“Policy”) applies to free trials and paid subscriptions to WIPKeep (“the Service”), provided by WIPKeep LLC (a Minnesota limited liability company) (“WIPKeep,” “we,” “us,” or “our”).

This Policy is part of, and should be read together with, the WIPKeep Terms of Service and Privacy Policy. If there is a direct conflict about refunds or cancellation, this Policy controls.

The Service is billed through Stripe, our third-party payment processor (Stripe Checkout, the Stripe Customer Portal, and Stripe Tax). WIPKeep does not store your full payment-card number; card data is handled by Stripe.

2. How the free trial works

When you start WIPKeep, you provide a payment method up front through Stripe Checkout. This is required to begin the trial, but you are not charged during the trial.
Your free trial lasts 15 days from sign-up.
Cancel at any time during the trial and you are never charged (see Section 3).
If you do not cancel, your first full monthly charge occurs on day 16 — the day after the trial ends — at the fees shown at checkout.
After the first charge, your subscription renews automatically every month at the fees shown at checkout, until you cancel.
Free trials are limited to one per customer. To prevent abuse of the free trial, we may use information such as your name, billing address, phone number, and payment-method details to detect duplicate or repeat sign-ups. If our system indicates you may already have had an account or trial, we may decline or cancel the new trial and show a message such as: “It looks like you may already be enrolled with another account or email. If you believe this is a mistake, please contact support@wipkeep.com.”

The day of your first charge always equals the trial length plus one day. With a 15-day trial, the first charge is on day 16.

3. How to cancel

You can cancel at any time, in either of these ways:

In the app — open Billing / Subscription settings in WIPKeep at https://app.wipkeep.com and cancel.
In the Stripe Customer Portal — manage or cancel your plan and view invoices there.

Cancellation is one click. There is no phone call, no retention gauntlet, and no cancellation fee.

What happens depends on when you cancel:

Cancel during the 15-day trial → you are never charged. Access continues until the trial end date, then your account moves to the free / read-only state in Section 8.
Cancel after you have been charged → we stop your next renewal. You are not charged again, and your paid access continues to the end of the billing month you have already paid for. You are not cut off mid-month. At the end of that paid month, your account moves to the free / read-only state in Section 8.
There is no proration and no partial-period refund for a mid-month cancellation — you keep the time you paid for through the end of the current period (see Section 4).

Cancelling is the right tool if you simply don’t want to renew. If you believe you were charged in error, see Section 6.

4. Refund stance after a charge

WIPKeep’s policy after a charge is:

Monthly fees are not refundable for partial periods, and there is no proration. Once a monthly charge has been made, fees already paid are not refunded for the unused part of that month. Instead, you cancel and keep access through the end of the period you paid for (Section 3). The 15-day free trial is the no-charge way to evaluate WIPKeep before any money changes hands.

The carve-outs in Section 6 always apply regardless of this stance: genuine billing errors and duplicate charges are refunded, and WIPKeep may issue a discretionary goodwill refund.

This is a goodwill, founder-set policy. It does not limit any non-waivable refund or cancellation rights you may have under applicable consumer-protection law.

To request a refund of a charge: email support@wipkeep.com from the email on your account and we’ll review it.

5. How refunds are issued and how long they take

Approved refunds are issued through Stripe to your original payment method. We cannot refund to a different card, account, or method.
Once we approve and submit a refund in Stripe, it is typically processed on our side within a few business days, and then your bank or card issuer usually posts it to your statement within about 5–10 business days. Actual posting time is controlled by your bank, not WIPKeep.
Refunds are issued as money back to your original payment method. If WIPKeep ever issues a refund as account credit instead of a money-back refund, we will say so clearly at the time.

6. Carve-outs that always apply — billing errors, duplicate charges, and goodwill

These apply regardless of the refund stance in Section 4:

Billing errors and duplicate charges are refunded. If you were charged in error — for example, a duplicate charge, a charge after a confirmed cancellation, a charge during what should have been your free trial, or an incorrect amount — we will correct or refund it as a matter of course once verified.
Discretionary goodwill refunds. WIPKeep may, at its discretion, grant a goodwill refund even where one is not required — for example, if a user is genuinely unhappy after a first charge. Beyond being the right thing to do, resolving a complaint directly is far cheaper than absorbing a card chargeback, so we would rather make it right.

Please report suspected billing errors to support@wipkeep.com with the date and amount so we can match it in Stripe quickly.

7. Required auto-renewal disclosures

Because WIPKeep collects a payment method up front and converts a free trial into a recurring charge, we follow recurring-billing / auto-renewal disclosure practices designed to keep the trial-to-paid transition honest and clear:

Clear pre-charge disclosure at sign-up. Before you confirm the trial, we state plainly — next to the payment step — that “you will be charged on day 16 unless you cancel,” the amount (the fees shown at checkout), and that the subscription renews monthly until cancelled.
Reminder email before the first charge. We send a reminder email about 3 days before your first charge, telling you the trial is ending and the charge that’s coming, with a one-click cancel link.
Emailed receipt after each charge. After every successful charge, Stripe sends you an emailed receipt / invoice, also available in the Stripe Customer Portal.
One-click cancellation is available throughout, in the app and in the Stripe Customer Portal (Section 3) — the same easy path used to sign up.

8. Free / Read-Only tier — a lapsed account is not a refund event

If your trial ends without paying, or you cancel, downgrade, or stop paying, your account does not get deleted. It moves to a free, read-only state:

You can still sign in, view your books, and download your reports at no charge.
You cannot create new entries or use paid features until you re-subscribe.
Your financial data is retained. Re-subscribing restores full access to the data already in your account.

Moving to read-only (whether by your choice, an unconverted trial, or non-payment) is a change in access level, not a refund. It does not, by itself, entitle you to a refund of fees already paid.

If you close or cancel your account, you will have 60 days (2 months) during which you can sign in to view and download your financial records and reports before your data is permanently deleted. You can also export your reports at any time while your account is active — we recommend keeping your own copies.

For account states driven by payment status (Trial → Active → Past Due / grace → Read-Only → Suspended) and our data-retention practices, see the WIPKeep Terms of Service and Privacy Policy. We do not delete your financial records as a dunning step. If an account remains unpaid and suspended, data is retained and is restored when the account is paid. We keep suspended-account data for 6 months before it may be permanently deleted, with a final notice before deletion.

9. Chargebacks and disputes — please contact us first

If something looks wrong with a charge, please email support@wipkeep.com before filing a chargeback or dispute with your bank or card company. In most cases we can resolve a billing issue — including a refund where one is due — faster and more simply than the card-network dispute process.

Being honest about the limits: no policy can fully prevent a cardholder from filing a chargeback with their bank. What this design does is minimize them — the up-front trial disclosure, the pre-charge reminder email, one-click cancellation, prompt error refunds, and discretionary goodwill all remove the usual reasons a first-time payer reaches for a dispute.

Filing a chargeback does not change your obligations or rights under this Policy or the Terms of Service.
We reserve the right to respond to chargebacks with our billing and usage records, and to suspend or limit access to an account with an unresolved or fraudulent dispute.
All disputes remain subject to applicable card-network rules and consumer-protection law.

10. Taxes on refunds

Where sales or use tax was added to a charge via Stripe Tax, any refund of that charge will include the corresponding tax amount, handled through Stripe according to applicable tax rules. WIPKeep does not separately retain or refund tax outside of the Stripe Tax process.

11. Compliance with law and card-network rules

Nothing in this Policy is intended to limit any rights you have that cannot be waived under applicable consumer-protection or other law (including auto-renewal / “click-to-cancel” requirements), or to conflict with applicable payment-card-network rules. Where this Policy and a non-waivable legal right differ, the legal right controls.

12. Changes to this Policy

We may update this Policy from time to time. If we make a material change, we will update the “Last updated” date above and, where appropriate, notify you by email or by an in-app notice. Refund requests are evaluated under the Policy in effect at the time of the charge in question.

13. Contact

Questions about your trial, billing, cancellation, or a refund?