OQ Market Analytics

Refund Policy

Refund eligibility, request procedures, processing, exceptions, and related billing rules for OQ Market Analytics subscriptions.

Effective Date: 07-31-2026 Last Updated: 07-31-2026 Version: 1.0
Subscription fees are generally non-refundable after they are charged, except where required by law or where an exception described in this policy applies.

This Refund Policy describes the refund practices of OQ MARKET ANALYTICS LLC, a Texas limited liability company ("OQ Market Analytics," "we," "us," or "our").

This Policy applies to purchases of subscriptions and related services offered through:

https://obsessedquant.com https://alerts.obsessedquant.com

This Policy should be read together with our Terms of Service, Subscription and Cancellation Policy, Privacy Policy, Investment Disclaimer, and Risk Disclosure.

By purchasing a subscription, you acknowledge and agree to this Refund Policy.

1. GENERAL REFUND RULE

Except where required by applicable law or expressly stated otherwise, subscription fees are generally non-refundable after they have been charged.

Canceling a subscription normally prevents future renewal charges but does not create a prorated refund for the unused portion of the current billing period.

Customers generally retain access through the end of the paid billing period when a subscription is canceled at the end of the current period.

This policy does not limit any legal rights that cannot be waived.

2. MONTHLY SUBSCRIPTIONS

Monthly subscription charges are generally non-refundable after they are processed.

If you cancel a monthly subscription, the cancellation normally takes effect at the end of the current paid billing period.

You generally retain access until that period ends.

No prorated refund is normally provided for unused days remaining in the monthly billing period.

3. ANNUAL SUBSCRIPTIONS

Annual subscription charges are generally non-refundable after they are processed.

If you cancel an annual subscription, the cancellation normally prevents the next annual renewal charge.

You generally retain access until the end of the current paid annual billing period.

No prorated refund is normally provided for unused months remaining in the annual billing period.

4. PROMOTIONAL AND DISCOUNTED SUBSCRIPTIONS

Subscription fees paid using a promotion, coupon, introductory offer, limited-time discount, or other reduced price are generally subject to the same refund rules as standard-price subscriptions.

The expiration of a promotion, a change in available discounts, or the later availability of a lower price does not ordinarily qualify a previous charge for a refund.

Promotional pricing may apply only to a specific billing period and may renew at the regular price disclosed during checkout.

5. DUPLICATE CHARGES

A refund may be issued when we verify that the same customer was charged more than once for the same intended subscription period.

Possible causes of duplicate charges may include:

Contact us promptly if you believe you were charged more than once.

We may request information such as:

Do not send your complete card number, card security code, password, authentication token, bank-account credentials, or Stripe secret key.

6. BILLING ERRORS

A full or partial refund may be issued when we verify that a charge resulted from a billing error.

Examples may include:

A difference between an expected price and the price clearly disclosed during checkout is not necessarily a billing error.

We may review Stripe records, subscription history, cancellation records, account logs, checkout metadata, webhook records, and customer communications when investigating a billing concern.

7. UNAUTHORIZED CHARGES

Contact us promptly if you believe a charge was unauthorized.

We may require reasonable information to verify the account, payment, and circumstances of the charge.

We may suspend the associated subscription while the matter is investigated.

You may also have rights to dispute unauthorized or incorrect charges with your card issuer or financial institution. The Federal Trade Commission advises consumers to act promptly when disputing charges and to retain relevant records and communications.[1][2]

Nothing in this Policy limits your lawful rights regarding unauthorized transactions or billing errors.

8. FAILURE TO USE THE SERVICE

A refund is not normally provided because a customer:

Subscription fees pay for the availability of access during the applicable billing period, not for a guaranteed level of usage or financial result.

9. INVESTMENT AND TRADING RESULTS

Refunds are not provided based on investment or trading performance.

The Service provides informational and educational market analytics and does not guarantee:

Trading and investing involve risk, including the risk of substantial or complete loss.

A customer's investment gain, loss, missed opportunity, transaction cost, tax consequence, or trading decision does not qualify the subscription fee for a refund.

10. TECHNICAL PROBLEMS

A brief, intermittent, or isolated technical problem does not normally qualify for a refund.

Before requesting a refund for a technical issue, the customer should make reasonable efforts to:

A full or partial refund may be considered when a verified technical failure materially prevented paid access for an extended portion of the billing period and we were unable to provide a reasonable remedy.

11. SERVICE OUTAGES

The Service may occasionally be unavailable because of:

Short-term interruptions do not normally qualify for a refund.

We may consider a refund, service credit, or extension when:

The type and amount of any remedy will depend on the duration, severity, affected features, subscription price, and circumstances of the outage.

12. STALE OR UNAVAILABLE DASHBOARD

We use safeguards intended to prevent a materially stale dashboard from being served.

The dashboard may be temporarily unavailable if its freshness cannot be verified.

A temporary freshness-related interruption does not automatically qualify for a refund.

We may consider a full or partial refund, service credit, or subscription extension when a freshness failure or dashboard-generation failure materially prevents access for an extended portion of the paid period.

13. AUTHENTICATION AND ACCOUNT ISSUES

A refund is not normally provided when access is unavailable because the customer:

We will make reasonable efforts to help verify and restore access when the customer can establish ownership of the relevant account and subscription.

14. ACCOUNT SHARING OR POLICY VIOLATIONS

We may suspend or terminate access for violations of the Terms of Service, including:

A suspension or termination resulting from a violation of our Terms does not ordinarily qualify for a refund.

15. IMMEDIATE CANCELLATION

If an immediate cancellation option is available and the customer selects it, access may end immediately.

An immediate cancellation does not automatically produce a refund.

Before confirming immediate cancellation, the customer should review whether:

Any refund associated with immediate cancellation will be provided only when expressly stated or approved in writing.

16. CANCELLATION AT PERIOD END

When a subscription is canceled at the end of the current billing period:

Stripe supports cancellation at the end of the current billing period and customer management through its hosted customer portal.[3][4]

17. FORGOTTEN CANCELLATIONS

Forgetting to cancel before a renewal date does not automatically qualify the renewal charge for a refund.

We may consider a discretionary refund when:

Approval is not guaranteed.

Any exception for a forgotten cancellation is made at our discretion and does not establish a continuing policy or precedent.

18. REFUND REQUEST DEADLINE

Refund requests should be submitted promptly after the charge or event giving rise to the request.

Unless a longer period is required by law, we recommend submitting a request within 14 calendar days after the charge.

Delays may limit our ability to investigate:

A request submitted after 14 days may still be reviewed, but approval is not guaranteed.

19. HOW TO REQUEST A REFUND

Submit a refund request to:

OQ MARKET ANALYTICS LLC

Email:

Subject:

Include the following information:

Do not include:

20. IDENTITY VERIFICATION

Before issuing a refund, we may verify that the requester is authorized to act for the relevant account.

Verification may include:

We may decline to disclose account information or issue a refund when identity or account ownership cannot be reasonably verified.

21. REFUND REVIEW PROCESS

When reviewing a request, we may consider:

We may approve:

The remedy will depend on the facts and applicable law.

22. REFUND DECISION TIME

We will make reasonable efforts to review refund requests promptly.

Review time may vary depending on:

We may request additional information before making a decision.

23. REFUND PROCESSING TIME

Approved refunds are generally submitted through Stripe to the original payment method.

The time required for the refund to appear depends on Stripe, the card network, the customer's bank, and the payment method.

OQ Market Analytics does not control the time required by a bank or card issuer to post an approved refund.

A refund may appear as:

24. ORIGINAL PAYMENT METHOD

Refunds are ordinarily returned to the original payment method.

We generally cannot:

If the original payment method is no longer available, Stripe and the financial institution may determine how the refund is handled.

25. PARTIAL REFUNDS

A partial refund may be considered when:

A partial refund is not guaranteed and will be calculated using a reasonable method based on the circumstances.

26. SERVICE CREDITS AND EXTENSIONS

Instead of a monetary refund, we may offer:

A customer is not required to accept a credit in place of a refund when applicable law requires a monetary refund.

Any credit or extension may have an expiration date or other reasonable conditions.

27. EFFECT OF A FULL REFUND

When a full refund is issued:

A refund does not automatically delete the customer's Auth0 account or personal information.

28. EFFECT OF A PARTIAL REFUND

When a partial refund is issued:

The applicable outcome will be communicated when the refund is approved.

29. CHARGEBACKS AND PAYMENT DISPUTES

Customers should contact us before initiating a chargeback when they believe a billing error has occurred.

We will make reasonable efforts to investigate legitimate concerns.

If a customer initiates a chargeback or payment dispute:

Relevant records may include:

Nothing in this section limits a customer's lawful right to dispute an unauthorized or incorrect charge.

30. REFUND ABUSE

We may deny a refund request or restrict an account when we reasonably believe there is:

We may retain relevant records as permitted by law to prevent fraud and protect the Service.

31. THIRD-PARTY PURCHASES

This Policy applies to subscriptions purchased directly through the payment methods we provide.

If the Service is later sold through a third-party marketplace, application store, reseller, or other platform, that third party's refund process may apply.

We may not be able to directly refund a payment collected and controlled by another platform.

32. TAXES AND REFUNDS

An approved refund may include applicable taxes that were collected on the refunded amount.

The amount and treatment of refunded taxes may depend on:

Certain taxes, fees, currency-conversion charges, or bank charges may not be refundable by OQ Market Analytics.

33. CURRENCY CONVERSION AND BANK FEES

If a customer's bank converts the subscription charge into another currency, the refunded amount may differ because of:

OQ Market Analytics is not responsible for differences caused by a bank, card issuer, payment network, or currency conversion.

34. LEGALLY REQUIRED REFUNDS

We will provide refunds when required by applicable law.

Nothing in this Policy excludes or limits consumer rights that cannot lawfully be excluded or limited.

Where this Policy conflicts with a mandatory legal requirement, the legal requirement controls.

35. CHANGES TO THIS POLICY

We may update this Refund Policy from time to time.

When we update it, we will revise:

Material changes may be communicated through:

The version in effect when a charge occurs will generally apply to that charge, except where applicable law requires otherwise.

36. RELATIONSHIP TO OTHER POLICIES

This Refund Policy should be read together with:

If a plan-specific refund term clearly displayed during checkout conflicts with a general provision in this Policy, the clearly disclosed plan-specific term controls for that purchase, to the extent permitted by law.

37. CONTACT INFORMATION

OQ MARKET ANALYTICS LLC

Website:

https://obsessedquant.com https://alerts.obsessedquant.com

Support and Refund Email:

Mailing Address:

8106 Whisper Point Dr.

References

[1] Federal Trade Commission, Using Credit Cards and Disputing Charges. https://consumer.ftc.gov/articles/using-credit-cards-and-disputing-charges

[2] Federal Trade Commission, Getting In and Out of Free Trials, Auto-Renewals, and Negative Option Subscriptions. https://consumer.ftc.gov/articles/getting-and-out-free-trials-auto-renewals-and-negative-option-subscriptions

[3] Stripe Documentation, Cancel Subscriptions. https://docs.stripe.com/billing/subscriptions/cancel

[4] Stripe Documentation, Provide a Customer Portal to Your Customers. https://docs.stripe.com/customer-management