Refund & Cancellation Policy

The Free plan costs nothing and needs no card. The foreclosure case tools are free for anyone facing foreclosure. If a legal aid organization or HUD-approved housing counselor refers you, or if you redeem a promotional code, you may get a paid plan for free for a set time; nothing is charged for it, so there is nothing to refund, and when it ends your account returns to the Free plan unless you choose to pay.

Billing. Paid plans are billed monthly, in advance, at the price shown when you subscribe, plus any sales tax. They renew each month until you cancel. There is no long-term contract.

Cancel anytime. Cancel from your Billing page (“Manage payment methods”). Your plan stays active until the end of the month you already paid for, and it will not renew. After that, your account moves to the Free plan and your information stays in your account. [CONFIRM before publishing: the Stripe Customer Portal is set to cancel at the end of the billing period, not immediately.]

14-day refund. If a paid plan is not right for you, ask for a refund within 14 days after you are charged for it, and we will refund that charge in full — no questions asked.

After 14 days. We do not give partial refunds for unused days in a month, except where the law requires it or where we made a mistake (see below).

Changing plans. If you move to a different plan, the change and any price difference are shown before you confirm.

If you ask us to print and mail a letter (for example, by First Class or Certified Mail), the price for that letter is shown before you confirm. It is charged only after the letter has been accepted for mailing.

Once a letter has been accepted for mailing, it cannot be recalled, and its charge is not refundable.

If a letter was not mailed, was mailed with an error we made (such as a wrong address we entered or a printing defect), or was charged twice, we will refund or credit the charge.

Nothing in advance. The add-on is never charged in advance. After each calendar month ends, it is charged at the monthly price in your agreement only if at least one piece of add-on work was completed for you in that month; otherwise that month is $0.

Free cancellation for 3 business days. You can cancel for any reason until midnight (Central Time) at the end of the 3rd business day after the day you accept the agreement, and nothing is ever charged. See the Credit Health Disclosures for how to cancel, including in writing.

Stopping later. After that window you can stop the add-on at any time on your Billing page. Nothing is charged for any month after the one in which you stop. For the month in which you stop, we look only at work completed before you stopped: if there was any, that month is charged the full monthly price at the end of the month; if there was none, it is $0. The add-on is not prorated.

If you believe an add-on month was charged when no work was completed, tell us and we will review it; if we are wrong, we will refund it.

PRO packages for attorneys and organizations are billed monthly, in advance, and renew until cancelled. The organization’s owner can cancel from the Billing page; the package stays active until the end of the month already paid for. PRO charges are not refunded for partial months, except where the law requires it or where we made a mistake. Legal aid organizations, HUD-approved counselors and courthouse self-help centers that receive PRO access at no charge have nothing to refund. See the PRO Terms.

If we charge you by mistake — a duplicate charge, a wrong amount, or a charge for something you did not receive — we will refund or credit it, whatever the date. We fix mistakes by adding a visible credit or refund line to your Billing history, never by quietly changing an old line.

Email privacy@techoclaro.com from the email on your account, or write to Techoclaro LLC, 1341 W. Mockingbird Lane, Dallas, TX 75247. Tell us which charge (the date and amount on your Billing page is enough).

Approved refunds go back to the card or payment method you used. We start the refund within 5 business days of approving it; your bank may take another 5 to 10 business days to show it. Any sales tax charged is refunded with it.

Please contact us before disputing a charge with your bank — we can usually fix it faster. These rules do not take away any right you have under the law, including any longer cancellation period your state provides.