Refunds and Cancellation Policy

Last updated: 2026-10-04

This policy forms part of our Terms of Service. The version that applies to your purchase is the one published on the day you bought or last renewed — ask us at support@fin-central.com and we will send you that version.

1. Who you are dealing with, and what you pay

Fin-Central is a trading name of Nikah AI Limited, a company registered in England and Wales (company number 17199968), registered office Office 1216 Fitzrovia, 60 Tottenham Court Road, London, W1T 2EW. Registered with the UK Information Commissioner's Office (ICO), registration number ZC176381.

Contact: privacy@fin-central.com (data protection) · legal@fin-central.com (legal) · support@fin-central.com (support).

Your contract for Fin-Central is with Nikah AI Limited. We are responsible for Fin-Central working, for it matching how we described it, and for your rights as a buyer under UK law. Your card statement shows our company name.

The price you see is the total you pay. Nothing is added at checkout — no set-up fee, no processing fee, no delivery charge, and no per-user charge beyond your plan. Your payment is processed by Stripe, which calculates and accounts for any UK VAT due on the sale; where any is due it is included in the price shown rather than added to it. The figure on the order screen is the figure charged.

Prices are set in pounds sterling. If your card is billed in another currency, the figure shown at checkout is the total you will pay.

Contact us at support@fin-central.com, or use the form at /contact.

2. You have more than one route to a refund

Ask us, and we will deal with it — the routes and the timescales are in section 9.

But you are not limited to us. Your payment is processed by Stripe, and you can take a refund request to Stripe, or to your own bank or card issuer, instead of or as well as coming to us. They can refund you without our agreement, and our answer is not the last word. We would rather tell you that than have you find it out.

In practice:

• Stripe's published terms for this payment method say Stripe can refund a payment within 60 days of the transaction, in certain cases, whether or not we agree with it. (If you saved a card for reuse you may see that wallet called Onelink, which is Stripe's UK brand name for it. It is a payment method, not a different company to deal with.)
• If Stripe asks us for input about your request, we answer within 48 hours. If we do not, Stripe may refund you without our approval.
• You can also ask your bank or card issuer to raise a chargeback. Card disputes on your payment are handled by Stripe, not by us — we do not run that process and we will not pretend to.

3. Your legal rights come first

Nothing on this page takes away or reduces your legal rights. If anything here conflicts with them, your legal rights win. We cannot exclude or restrict the rights described in sections 4 to 6, and we do not try to.

4. If you are a consumer: your 14-day right to change your mind

You are a consumer if you are an individual buying mainly for reasons outside any business, trade, craft or profession. That is an objective test under UK law, not something either of us decides by ticking a box — and a sole trader, a company director, a freelancer or a contractor can be a consumer in some purchases and not in others. If there is a dispute about it, the law puts the burden on us to prove you were not acting outside a business. If you think you bought as a consumer, tell us and we will apply this section.

If you are a consumer you have 14 days from the day you place your order to cancel, under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. The 14 days run from the day of the order, not from the day you first log in or first use anything.

You do not have to use any particular form of words. Any clear statement that you want to cancel counts, sent any way you like — an email to support@fin-central.com, the form at /contact, or a reply to your receipt. If you would prefer a form, there is one at the bottom of this page; you may use it, but you never have to.

What that means for a subscription that has already started

Fin-Central is a service, and it starts as soon as your account is live. A monthly subscription is never "fully performed" inside 14 days, so cancelling inside 14 days is still open to you even though you have been using it.

If you cancel inside the 14 days, we refund what you paid minus a proportionate amount for the days you actually had access, worked out from the price you agreed. The amount is calculated up to the day you tell us, not the day we process it.

If we did not tell you about this cancellation right and about this proportionate charge before you bought — and if you did not ask us to start straight away — then you pay nothing at all for the period you used and the whole payment comes back. That is the law's rule, not our concession.

What that means for reports, board packs and exports you have already downloaded

Separately from the subscription itself, Fin-Central produces digital content you can download: exported reports, board packs, and CSV and XLSX files.

Before we produce anything like that inside your first 14 days, we ask you to tick a box that (a) asks us to supply it straight away and (b) acknowledges that doing so ends your 14-day right to cancel for that item. We then repeat the exact wording you ticked, with its version and the time you agreed it, in a written confirmation you can download and keep.

If all three of those things happened, you cannot cancel and claim your money back for that particular download.

Two limits on that, and they both matter:

• It applies only to the specific item you asked for. It does not end your 14-day right to cancel the subscription itself. If you downloaded a board pack on day 3, you can still cancel the subscription on day 10 under the rule above.
• If any one of the three steps did not happen — you were not asked, or the box did not say you were giving up the right, or we never confirmed it back to you in writing — then the 14-day right survives in full and you pay nothing for what you used.

5. If you are a business customer

If you are buying for purposes relating to your business, trade, craft or profession, the 14-day statutory right above does not apply to you. What you keep is everything else: the contract terms, the quality and description rights in section 6, our own refund promises in section 8, the cancellation route at Settings → Billing, and the Stripe and card-issuer routes in section 2.

6. If Fin-Central is faulty, not as described, or not fit for purpose

Under the Consumer Rights Act 2015 we must supply software of satisfactory quality, fit for its purpose, and as we described it. If it is not, the remedies are, in order:

For the service itself — you can require us to perform it again, to the extent needed to put it right, free, within a reasonable time and without significant inconvenience to you. If that is impossible, or we fail to do it within a reasonable time or without significant inconvenience, you can require a price reduction, which can be up to the whole amount you paid.

For digital content you have downloaded — you can require us to repair or replace it, free, within a reasonable time and without significant inconvenience. If that is impossible or disproportionate, or we fail, you can require a price reduction, again up to the whole amount.

For the first six months after we supply something, if it does not work properly, it is our job to prove it was sound when we supplied it — not yours to prove it was faulty.

If our software damages your device or your other files, and that would not have happened had we taken reasonable care, we will either put the damage right or pay you appropriate compensation. We cannot and do not exclude that.

Anything we owe you under this section we pay within 14 days of agreeing you are entitled to it, to the payment method you used, with no fee. Section 13 of the Terms sets the same rights out as contract terms, and names the provisions that make them impossible for us to exclude.

7. Cancelling your subscription, and what we cannot be asked to refund

In the product: go to Settings → Billing and choose to cancel. It takes effect immediately as an instruction and needs no email, no phone call and no reason. You can also use the billing portal linked from that page, or email support@fin-central.com and we will action it the same working day. There is a short guide at /cancellation.

What cancelling does. Your plan runs to the end of the period you have already paid for, then stops. We take no further payment. We do not refund the unused part of a period you have already paid for, except where the law or this page gives you a refund.

You can undo it. Until the end of that period, the same screen offers Resume. Resuming puts you back on the same plan at the same price with nothing lost.

Cancelling is not the same as deleting your account. Cancelling stops the billing and leaves your data in place until the period ends. Deleting your account is a separate action, and because deleting an account with live billing attached would leave a subscription charging your card with no account left to cancel it from, we stop the billing first and, if we cannot stop it, we do not delete the account and we tell you why.

What we cannot be asked to refund:

• Your own device, operating system or browser does not meet the published requirements.
• A third-party service you supply yourself — for example an accounting connector you hold the account for — stops working, changes its prices, or refuses your account.
• You changed your mind outside the periods on this page and outside your legal rights.

If you bought the wrong plan and have already used it, that is not a refund case in law, but tell us anyway — we will usually move you and settle the difference.

Trials. Your plan can start with a 14-day free trial. We take no card details to start a trial — not on the sign-up page, and not when you start from a plan link on the pricing page. You can cancel at any point during the trial and pay nothing. If no payment method has been added by the time the trial ends, the subscription cancels rather than charging you. If you have subscribed to Fin-Central before, no trial applies and payment is taken when you subscribe.

8. Our own promise, on top of your legal rights

These are commitments we make voluntarily. They sit on top of your legal rights, never in place of them.

• First 14 days of your first paid period: full refund, no reason needed. This applies whether or not you downloaded anything, and whether or not you ticked the box in section 4.
• A renewal you did not want: tell us within 14 days of that charge and we refund it in full, provided you have not made substantial use of the new period.
• Annual plans: we do not refund unused months as a matter of course. If you have barely used it, ask — we would rather settle it than argue.
• We always refund an error, however long ago: a double charge, a charge after you cancelled, or a charge at the wrong amount.

No fees, and always back the way you paid. A refund goes back to the card or payment method you used. We never deduct an administration, processing or handling fee. We never substitute account credit for money unless you ask us to.

9. How to ask us, and how long we take

Email support@fin-central.com or use the form at /contact. The form works entirely on screen and gives you a reference the moment you submit it — it does not depend on us being able to email you back. Put your order or receipt number in if you have it; the email address you bought with is enough if you do not.

We tell you the outcome against your reference in the product, and by email where we can reach you. If we need more information we will say exactly what, once. Going to Stripe or your card issuer can be quicker than waiting for our decision, and you are free to do that at any point.

10. What happens to your data

• Cancelling deletes nothing. You keep access until the end of the period you have paid for.
• Export before you go. You can export your data yourself from your account settings at any time while the account is open.
• Deleting your account stops the billing first, as described above. After that, how long we keep what is set out in our Privacy Policy.
• You can also ask Stripe to delete the information it holds about your purchases. If you do, Stripe will cancel any subscription it is collecting for and delete the related payment records, including the receipts and invoices we rely on to confirm what you are entitled to. So download any receipts you want to keep before you ask.

11. Complaints, and what to do if we say no

About the product, a charge or a refund: email support@fin-central.com or use /contact, and say you are making a complaint so it is routed as one. We acknowledge within 1 working day and give a final answer within 10 working days, or tell you why we need longer.

We are not a member of an alternative dispute resolution (ADR) scheme, and there is no ADR provider we are required or able to refer a complaint to. We say that plainly so you know what is and is not available rather than having to find out.

If you are not satisfied with our final answer, you can:

• ask Stripe for a refund — a separate refund route with its own power to refund you independently of us, and not an ADR scheme;
• ask your bank or card issuer to raise a chargeback;
• get free independent advice from Citizens Advice on 0808 223 1133 or at citizensadvice.org.uk, which can refer the matter to Trading Standards;
• bring a claim in the county court — the small claims track handles claims up to £10,000 and you do not need a solicitor.

Complaints about how we handle your personal data go a different way. You can complain to us directly under section 164A of the Data Protection Act 2018 — write to privacy@fin-central.com, or use /contact and mark it as a data-protection complaint. We will acknowledge it within 30 days. You can also complain to the Information Commissioner's Office at ico.org.uk/make-a-complaint or on 0303 123 1113, and you do not have to come to us first. Our Privacy Policy has the detail.

12. Instructions for cancellation

This section and the form below are the statutory model instructions and the model cancellation form. You never have to use the form.

Right to cancel. You have the right to cancel this contract within 14 days without giving any reason. The cancellation period will expire after 14 days from the day of the conclusion of the contract.

To exercise the right to cancel, you must inform us — Nikah AI Limited, Office 1216 Fitzrovia, 60 Tottenham Court Road, London, W1T 2EW, support@fin-central.com — of your decision to cancel this contract by a clear statement (for example a letter sent by post or an email). You may use the model cancellation form below, but it is not obligatory. You can also submit the statement at /contact.

To meet the cancellation deadline, it is enough for you to send your communication concerning your exercise of the right to cancel before the cancellation period has expired.

Effects of cancellation. If you cancel this contract, we will reimburse to you all payments received from you. We will make the reimbursement without undue delay, and not later than 14 days after the day on which we are informed about your decision to cancel this contract. We will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of the reimbursement.

If you asked us to begin the service during the cancellation period, you must pay us an amount which is in proportion to what has been supplied until you communicated to us your cancellation of this contract, in comparison with the full coverage of the contract.

If you asked us to supply digital content during the cancellation period — for example an exported report, a board pack or a CSV or XLSX file — and acknowledged that doing so would end your right to cancel in respect of that content, you lose the right to cancel in respect of that content once we begin supplying it. You do not lose the right to cancel the subscription itself.

13. Model cancellation form

Complete and return this form only if you wish to withdraw from the contract.

You do not have to use this form. Any clear statement that you want to cancel is enough, sent by any means — including an ordinary email.

To:

• Nikah AI Limited
• Office 1216 Fitzrovia, 60 Tottenham Court Road, London, W1T 2EW
• Email: support@fin-central.com

We do not operate a telephone or fax line for this purpose, so none is given.

I/We [*] hereby give notice that I/We [*] cancel my/our [*] contract of sale of the following goods [*] / for the supply of the following service [*]:

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Ordered on [*] / received on [*]:

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Name of consumer(s):

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Address of consumer(s):

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Signature of consumer(s) (only if this form is notified on paper):

....................................................................................................

Date:

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[*] Delete as appropriate.

Send it to support@fin-central.com, or submit it at /contact. We will acknowledge it within one working day and confirm receipt on screen straight away.