Refund Policy

1. Free trial before payment

All visitors may read the prior archive for free before subscribing, so you can fully evaluate the format, voice, and cadence of the service.

We recommend reading at least four free issues before upgrading to a paid subscription. Paying a subscription fee is taken as acknowledgement that you have evaluated the product in its actual form.

2. No refund after a successful charge (the rule)

Sunday Letter is an information publication subscription. The fee buys access to the content for the period in question. Once a billing cycle starts and the charge succeeds, the fee for that cycle is considered earned regardless of whether you actually read the content, whether you continue subscribing, or whether you are satisfied with it. No refund is issued.

The following are explicitly not refundable:

• You changed your mind / no longer need the service
• You are dissatisfied with the content, the writing style, or the principal’s views
• You forgot to cancel and rolled into a new renewal cycle
• You did not read the content that was delivered
• Regulatory, tax, or compliance requirements in your jurisdiction have changed
• You traded the names disclosed in the monthly portfolio PDF and incurred losses

3. Three exception cases (pro-rata refund)

Refunds are issued only in the following three objective situations:

3.1 Duplicate charge

If due to a payment-system fault or user error, the same billing cycle has been charged twice or more, the duplicate amount is refunded in full through the original payment channel. Please notify us by email within 60 days of discovering the duplicate charge.

3.2 No content delivered within 30 days

If within 30 days of a successful charge you receive no paid issue of the letter and no portfolio PDF due to our fault (e.g. email-delivery failure, account misconfiguration), and we are unable to remedy the situation within a reasonable time after being notified, you may request a full refund. Non-delivery caused by your own inbox settings or spam filters does not qualify.

3.3 Service shut down entirely

If the service is shut down entirelydue to the principal’s health, regulatory changes, or a company decision, all paid subscribers automatically receive a pro-rata refund based on unused months, without needing to request it.

4. Cancelling your subscription

You may cancel at any time, by either:

• Logging into your timewin.co account dashboard (once available) → “Subscription” → Cancel
• Emailing support@timewin.co with the subject “Cancel subscription + your registered email”

When cancellation takes effect. Cancellation immediately stops the next auto-renewal. You keep access to paid content until the end of the period you have already paid for. The fee for that current period is not refunded (unless one of the three exceptions in section 3 applies).

5. Refund fees and FX

• Refunds are always returned through the original payment channel (card → original card; stablecoin → original wallet address).
• Card channel: any actual refund fee charged by Airwallex (typically ≤ $1) may be deducted.
• Stablecoin channel: on-chain gas and any FX slippage will be deducted.
• Final amount may vary slightly with exchange rates; you bear the difference.
• Refunds are issued in USD, matching the original payment currency.

6. How to request a refund

For exception refunds under section 3, email support@timewin.cowith the subject “Refund request + your registered email” and a brief explanation of which exception applies. We respond within 5 business days and complete approved refunds within 14 calendar days via the original channel.

7. Chargebacks & disputes

If you have any question about a charge, please contact us by email first; we respond within 5 business days. We strongly prefer resolving disputes through direct communication rather than card-network chargebacks, which take longer for everyone.

8. Contact

For refund matters, contact support@timewin.co.