Subscription and Cancellation Policy

This policy explains how Vizual Stems LLC bills subscriptions, how you can cancel, and how refunds are handled. It is incorporated into the Terms of Service.

1. Recurring subscriptions

Paid plans are subscriptions that renew automatically at the interval shown at checkout until canceled. By subscribing, you authorize Vizual Stems and its payment providers to charge the payment method on file for the subscription price plus applicable taxes on each renewal date.

Before you purchase, we disclose:

• The price and billing interval.
• That the subscription renews automatically.
• The features included and any material limits.
• How to cancel.

2. Cancellation

You may cancel at any time from your billing settings inside your account. Cancellation stops future renewals. Cancellation takes effect at the end of the current paid billing period, and you keep access to paid features until that period ends.

Canceling does not automatically delete your account, recordings, or stored content. Download anything you need before access ends.

3. Refunds

Except where required by law, subscription fees are nonrefundable and partial billing periods are not prorated. Canceling mid-cycle does not create a refund for the remaining days of that cycle.

We may, at our discretion, issue a refund or credit in situations such as a duplicate charge, a billing error, or a confirmed extended service failure attributable to Vizual Stems. A discretionary refund in one case does not create an obligation to provide one in another.

Refund requests should be sent to support@vizuallive.com with the account email and the transaction date.

4. Trials and promotions

If a free trial or promotional rate is offered, the terms, duration, and post-trial price will be disclosed at signup. Unless you cancel before the trial or promotional period ends, the subscription converts to the standard recurring price automatically.

5. Plan changes

Upgrades take effect when processed and may result in an immediate charge or an adjusted amount for the remainder of the period as disclosed at the time of the change. Downgrades take effect at the start of the next billing period unless stated otherwise, and reduced feature limits apply from that point.

6. Failed payments and suspension

If a payment fails, we or the payment provider may retry the charge. We may suspend or limit paid features until the balance is resolved. Continued nonpayment may result in cancellation of the subscription and deletion of stored content according to our retention practices.

7. Price changes

We may change subscription prices. Price changes apply to future billing periods and we will provide advance notice by email or in the Service before the new price takes effect. If you do not agree to the new price, you may cancel before the change applies.

8. Taxes

Prices exclude applicable taxes unless stated otherwise. You are responsible for any sales, use, VAT, or similar taxes assessed on your subscription.

9. Chargebacks

If you dispute a charge with your bank or card issuer instead of contacting us first, we may suspend the account while the dispute is reviewed. We encourage you to contact support@vizuallive.com so we can resolve billing issues directly.