The Basic plan includes a 7-day free trial. Other plans may not include a free trial.

• You will not be charged during the trial period
• A valid payment method is required at sign-up to ensure uninterrupted access after the trial ends
• You may cancel at any time during the trial period at no cost
• Free trials are limited to one per user and may not be combined or reused across multiple accounts

If you cancel before the trial ends, you will not be charged.

If you cancel your subscription before the end of the 7-day free trial:

• No charges will be applied
• Access to Basic, Pro, or Premium features will continue until the trial expires
• No refund is necessary, as no payment was collected

Sumart offers the following subscription options:

All subscriptions are billed in advance and renew automatically unless canceled. We reserve the right to modify pricing at any time. Any changes will apply at the next billing cycle.

After the 7-day free trial:

• Your subscription will automatically convert to a paid plan
• You will be charged based on your selected monthly or annual plan
• Subscriptions renew automatically at the end of each billing cycle

By subscribing, you authorize us or our payment processors to charge your payment method. We reserve the right to suspend or limit access to the Service if payment cannot be successfully processed.

The Basic plan includes a 7-day free trial, as described above.

The Premium plan does not include a free trial. By subscribing, you acknowledge that billing begins immediately upon purchase. For subscriptions purchased directly through our website, you may request a refund within 30 days of the initial purchase. Refunds, if granted, may be partial and are determined at our sole discretion. Refund eligibility may take into account factors such as account activity, usage of the service, and connected financial accounts.

To support core features of the Service, including financial account connections, Sumart may incur third-party processing costs when accounts are linked. By connecting financial accounts, you acknowledge that these services are activated and utilized. As a result, refund requests may take into account the number of connected accounts and overall usage when determining eligibility.

If you subscribe through the Apple App Store or Google Play, free trials, billing, and refund eligibility are subject to the respective platform's policies. We do not control or guarantee refunds issued by these platforms.

Subscriptions to Sumart may be purchased through:

• Our website: https://sumartinc.com/
• Apple App Store
• Google Play
• Authorized third-party partners, affiliates, or referral programs

If you subscribe through an authorized third-party partner, affiliate, or referral program, payments and billing may be processed by that third party. Sumart LLC is not responsible for the billing practices of third-party partners.

If you upgrade your subscription, the change may take effect immediately or at the next billing cycle. A prorated charge may apply depending on the platform. The new plan price will apply going forward.

For annual plan subscribers, Sumart will provide a renewal reminder notice at least 30 days prior to the upcoming billing date, delivered via email to the address associated with your account.

If you cancel your annual subscription:

• Before the renewal date — you will not be charged for the next billing cycle
• After the renewal date — your payment will have already been processed and your subscription will continue through the current annual term

No refunds will be issued after renewal, except where required by law or otherwise determined at our sole discretion.

• Downgrades and cancellations take effect at the end of your billing period
• You will retain access until that time
• No partial refunds are provided for unused time

Because Sumart provides digital subscription services, all sales are generally final. Refunds are not guaranteed and are reviewed case-by-case. Refunds may be considered in limited situations such as:

• Billing errors
• Duplicate charges
• Verified technical issues

Requests should be made within 30 days of the charge.

If a technical issue prevents you from using the Service and cannot be resolved, you may be eligible for a pro-rated refund or a service credit. This is determined at our discretion.

Refunds may be denied if:

• There is abuse of free trials or refund requests
• Your account violates our Terms of Service
• Repeated refund requests are made without valid cause

If you believe a charge has been made in error, we encourage you to contact us first at help@sumartinc.com so we can review and resolve the issue promptly.

For subscriptions purchased through the Apple App Store or Google Play, disputes must be handled directly through those platforms.