Subscription & Billing Policy

Finding Wealth offers a free tier and a paid Premium subscription. Features available on each plan are described on the Premium page and may change over time. We will provide reasonable notice before removing features from a plan you are currently subscribed to.

Premium subscriptions are available on a monthly or annual billing cycle. The billing cycle you select at checkout determines how and when you are charged:

• Monthly: Charged on the same calendar day each month from your subscription start date.
• Annual: Charged once per year from your subscription start date.

All prices are displayed in Canadian dollars (CAD) unless otherwise specified. Applicable taxes (including GST/HST/QST where required) are added at checkout.

Subscriptions renew automatically at the end of each billing period unless cancelled before the renewal date. You will receive an email reminder before each annual renewal. You can cancel at any time from Account Center → Billing.

Finding Wealth may offer free trial periods for Premium. If a trial is offered, it will be clearly disclosed at sign-up, including the trial length and what you will be charged at the end of the trial. If you do not cancel before the trial ends, your selected payment method will be charged.

Finding Wealth accepts payment via credit card and debit card (processed by Stripe) and PayPal. By providing a payment method, you authorize Finding Wealth to charge it for all amounts due under your subscription, including renewals.

If a payment fails, we will retry the charge and notify you by email. Repeated payment failures may result in suspension of your Premium access until payment is resolved.

Finding Wealth may change subscription prices. If your price changes, we will notify you by email at least 30 days before the new price takes effect. The new price will apply at your next renewal date. If you do not wish to continue at the new price, you may cancel before your next renewal.

You may cancel your Premium subscription at any time from Account Center → Billing. Cancellation stops future charges. Your Premium access continues until the end of your current paid period. See the Refund & Cancellation Policy for details on refunds.

When your Premium subscription ends or is cancelled, your account reverts to the free tier. Data you entered while on Premium — including connected accounts, transactions, goals, and budgets — is retained and remains accessible on the free tier, subject to any free-tier feature limits.

A receipt is sent to your registered email address after every successful charge. You can also view and download billing history from Account Center → Billing. For business receipts or GST/HST invoices, contact support@findingwealth.ca.

Quebec consumers have additional rights under the Consumer Protection Act (CQLR c P-40.1). These rights are described in our Terms & Conditions under the Quebec Consumer Rights section. Nothing in this billing policy limits those rights.