Refund Policy

Last updated: July 23, 2026

1. Subscription Refunds

Membership is billed on a recurring basis (see our Terms of Service). Because membership grants immediate access to educational content, live sessions, and community trade ideas, payments are generally non-refundable once a billing period has started, except:

• Where required by law, or
• At our discretion within 7 days of your very first charge, if you have not materially used the Service.

2. Cancellation

You can cancel your subscription at any time from the member portal or by contacting us. Cancelling stops future billing — it does not retroactively refund the current billing period. You'll keep access through the end of the period you already paid for.

3. Billing Errors

If you believe you were charged in error (duplicate charge, charged after cancellation, etc.), contact us and we will investigate and correct genuine billing errors.

4. Chargebacks

We ask that you contact us directly before filing a chargeback with your bank or card issuer, so we have a chance to resolve the issue. Accounts with unresolved chargebacks may have access suspended pending resolution.

5. How to Request a Refund

Email ysbtuniverse@gmail.com with your account email and the reason for your request. We aim to respond within a few business days.