Refund Policy

Effective date: 19 September 2026

This Refund Policy explains how refunds, cancellations, and billing adjustments work for Lara (LaraBot) subscription plans. By subscribing to a paid plan, you agree to this policy. Lara is operated by Stennir Inc., a Delaware (USA) corporation.

Merchant of Record: Paddle.com is the Merchant of Record, under the seller name Lamma. Refunds are processed back through Paddle to your original payment method. Paddle's checkout terms also apply.

1. Free Trial

New accounts receive a 14-day full-Pro trial, counted from the account created_at date. It is not a Plus-only trial. No payment information is required to start. If you do not subscribe before the trial ends, the account reverts to Free (15 expenses per month). You will never be charged without explicitly subscribing.

2. Subscription Plans

Plan	Monthly	Annual	Billing
Free	$0	—	No billing. 15 expenses per month after trial.
Plus	$4.99	$47.88 / year	Auto-renewing
Pro	$9.99	$95.88 / year	Auto-renewing
Family	$14.99	$143.88 / year	Auto-renewing. 6 seats, Pro-equivalent features, shared budget.

All prices are in USD. Subscriptions renew automatically — monthly plans every month and annual plans every year, at the price shown at checkout — until cancelled. The charge on your card or bank statement appears under Paddle's name. Payments are processed by Paddle.com (Merchant of Record, seller name Lamma), who handles tax, billing, and compliance.

Accounts created before 12 May 2026 keep free Pro access (grandfathered beta). That access is not a paid charge, so it is not refundable.

3. Cancellation

You may cancel your subscription at any time by sending cancel (or billing) to Lara in your chat. Lara replies with a link to your Paddle subscription portal, where you can cancel, change your card, or download invoices. You can also cancel by contacting support@larabot.co.

When you cancel:

You retain access to paid features until the end of your current billing period
The account reverts to Free when the billing period ends
Your data is not deleted by a cancel — you keep expense history, budgets, and goals
You can re-subscribe at any time

Deleting your data is a separate flow: type yes, delete everything after Lara asks you to confirm. That cancels billing on a best-effort basis, unlinks Family, and resets the account. It does not by itself issue a refund. Ask support@larabot.co if you also want a refund.

4. Refund Policy

14-day refund. If you subscribed and you are not satisfied, you may request a full refund within 14 days of your first payment.

4.1 14-Day Right of Withdrawal (EU/UK Consumers)

If you are a consumer in the European Economic Area (EEA) or United Kingdom, you have a statutory 14-day right of withdrawal from the date of your first subscription payment, in accordance with the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 (UK) and Directive 2011/83/EU. During this period, you may cancel for any reason and receive a full refund.

To exercise this right, contact us at support@larabot.co within 14 days of your first payment. We will process your refund within 14 days of receiving your request.

4.2 All Users — 14-Day Refund

Regardless of your location, if you subscribed to a paid plan (Plus, Pro, or Family) and are not satisfied, you may request a full refund within 14 days of your first payment. Contact support@larabot.co.

4.3 After 14 Days

After the initial 14-day window, we generally do not offer refunds for partial billing periods. We review later requests case by case and may refund in the following situations:

Service outage: If Lara was unavailable for an extended period (more than 48 consecutive hours) during your billing cycle
Billing error: If you were charged incorrectly or charged after cancelling
Duplicate charge: If you were charged more than once for the same billing period

4.4 How to Request a Refund

Email support@larabot.co with:

The phone number or Telegram account associated with Lara
The date of the charge
The reason for your refund request

We aim to respond to all refund requests within 3 business days.

4.5 Refund Method

Approved refunds are processed by Paddle back to the original payment method. Depending on your bank or card issuer, it may take 5–10 business days for the refund to appear on your statement.

5. Plan Changes

If you downgrade (for example Pro to Plus, Family to Pro, or a paid plan to Free):

The change takes effect at the end of your current billing period
You are not charged for the new (lower) plan until the next billing cycle
No refund is issued for remaining time on the higher plan — you keep those features until the period ends

If you upgrade mid-cycle (for example Plus to Pro, or Pro to Family), the new plan takes effect when Paddle confirms payment. The charge is the price of the plan you selected (Pro $9.99/mo or $95.88/yr; Family $14.99/mo or $143.88/yr).

6. Chargebacks

If you have a billing concern, please contact us before initiating a chargeback with your bank. We are happy to resolve billing issues directly. Unwarranted chargebacks may result in suspension of your account.

7. Changes to This Policy

We may update this Refund Policy from time to time. If we make material changes, we will notify active subscribers via WhatsApp or Telegram at least 14 days before the changes take effect. The "Effective date" at the top of this page indicates when this policy was last revised.

8. Contact Us

If you have questions about billing, cancellations, or refunds:

Email: support@larabot.co

Email is our support channel. If Lara offers a support command in your chat, you can use that too. In your chat, paysupport shows these billing options.