Billing & Cancellation Policy

This Billing and Cancellation Policy ("Policy") governs all financial transactions, subscription obligations, and remediation entitlements associated with the use of the InsightForge AI Market Intelligence Platform and all related services (collectively, the "Services"). By initiating a report generation request or maintaining an active subscription, the Client acknowledges having read and accepted the terms set forth herein.

This Policy is incorporated by reference into, and forms an integral part of, any executed Master Service Agreement ("MSA") or Order Form between InsightForge and the Client. This Policy is intended to govern commercial enterprise and business-to-business transactions. Individual consumers accessing the platform in a personal capacity may have additional rights under the Consumer Protection Act 2019 and the Consumer Protection (E-Commerce) Rules 2020 that cannot be excluded by contract. Nothing in this Policy is intended to limit or override any such statutory rights. Access to the InsightForge Platform is intended exclusively for business and professional use. Where the terms of an applicable MSA conflict with this Policy, the MSA shall govern to the extent of the conflict.

InsightForge Intelligence Reports are classified as executed digital services. Upon a Client's explicit instruction to initiate a report generation request (the "Generate" action), the platform immediately invokes proprietary high-throughput compute infrastructure, real-time data acquisition pipelines, and large-language model inference resources. The operational costs associated with this invocation are incurred at the moment of initiation and are irrecoverable in full from that point forward.

InsightForge does not warrant that the analytical conclusions of any Intelligence Report will conform to the Client's pre-existing assumptions, proprietary benchmarks, or internal strategic frameworks. Variance in AI-generated analysis does not constitute a service defect and does not give rise to any entitlement to credit restoration or monetary refund of any kind. The following matrix governs transaction classification and remediation eligibility:

Scenario	Classification	Remediation Status
Report successfully generated Client dissatisfied with analytical output	Completed Service Delivery	Not Eligible
Report successfully generated Client did not access or review the report	Completed Service Delivery	Not Eligible
Generation initiated; cancelled mid-process Client-side cancellation during active inference	Irrecoverable Compute Cost	Not Eligible
Platform-side technical failure No artifact delivered; credit deducted	Service-Level Failure	Eligible — See §02

In the event that a report generation task fails to produce a deliverable artifact as a direct result of an internal platform error — including, without limitation: confirmed HTTP 5xx server-side errors during inference; pipeline timeouts where no artifact is produced within the maximum processing window; infrastructure outages affecting InsightForge's core generation services as confirmed by InsightForge's status monitoring systems; zero-byte or corrupted artifacts that cannot be opened or accessed by the Client; or unhandled system exceptions resulting in no artifact being written to the Client's account — and a credit has been debited from the Client's account in connection with that failure, the Client shall be entitled to one of the following remedies, applied in the following order of preference at InsightForge's determination:

• Automatic Credit Restoration. The equivalent credit value consumed by the failed transaction will be reinstated to the Client's active account balance, restoring full capacity to initiate a subsequent report generation request without incurring additional cost. Where platform telemetry conclusively identifies a qualifying infrastructure failure, restoration may be applied automatically within one (1) business day. Credit restoration is the default and preferred remedy in all cases where the Client holds an active subscription at the time the remediation determination is made.
• Manual Renewal & Payment Contingency. InsightForge utilizes a manual enterprise invoicing model. The Client will receive an invoice prior to the expiration of their current term or quota. Access to the InsightForge Platform and its associated generation capabilities is strictly contingent upon the successful realization of the subscription fee or wire transfer into our accounts. Following a successful payment clearing, provisioning of platform access and credit allocation may take up to 24 to 48 hours to fully propagate. In the event of a delayed clearing or failure to remit payment by the invoice due date, access will be automatically suspended or withheld until the outstanding balance is conclusively settled.
• Full Monetary Refund. Where automatic credit restoration is not technically feasible, or where the Client's subscription has since lapsed, InsightForge will issue a full monetary refund corresponding to the transactional value of the specific failed event, processed via the original third-party payment instrument on record at the time of the transaction.

To qualify for service-level remediation under this Section, the Client is strongly encouraged to submit a formal support request within seven (7) calendar days of the date of the failed transaction to enable timely technical investigation. InsightForge reserves the right to decline remediation requests where submission delay has materially impaired InsightForge's ability to retrieve the relevant infrastructure telemetry and confirm the failure. Nothing in this clause is intended to restrict any statutory rights the Client may hold under applicable commercial or consumer protection legislation, which rights are governed by the limitation periods prescribed by applicable law. All remediation submissions must include the applicable Report ID and Transaction Date as specified in Section 04 of this Policy.

InsightForge reserves the right to conduct a reasonable technical audit of platform logs and infrastructure telemetry prior to issuing any remediation determination. Eligibility is assessed solely on the basis of verifiable platform-side failure and does not extend to failures attributable to Client-side network conditions, browser incompatibility, misconfigured API credentials, or user error.

InsightForge enterprise subscription plans are structured on a recurring monthly billing cycle. The following terms govern cancellation rights and the financial obligations associated with each billing period.

• Payment Realization & Access Provisioning. InsightForge operates on a manual B2B invoicing cycle. The Client will receive a renewal invoice prior to the expiration of their current term. Access to the Platform is strictly contingent upon the successful realization of funds into InsightForge's bank accounts via wire transfer or approved corporate payment link. Upon successful payment clearing, provisioning of platform access and credit allocation may take up to 24 to 48 hours to fully propagate. In the event of payment failure or severe delay, access will be withheld or suspended until the balance is settled.
• Cancellation Rights. The Client may decline to renew an active subscription by notifying their designated InsightForge account representative or billing contact prior to the issuance or due date of the next invoice. Because InsightForge operates on manual invoicing rather than automated direct debits, failure to remit payment for a renewal invoice will inherently result in account suspension at the end of the paid term.
• Access Continuity. Following a valid cancellation, the Client retains full platform access and all associated subscription entitlements through the conclusion of the then-current billing period. No service interruption shall occur prior to the end of that cycle.
• No Pro-Rata Refunds. InsightForge does not issue pro-rata monetary refunds for the unused portion of any cancelled subscription month, irrespective of when within that cycle the cancellation is effected. The subscription fee for the current billing period is deemed fully earned and non-refundable from the moment that period commences.
• Renewal Cut-Off. To prevent the commencement of a subsequent billing cycle, the Client must initiate and confirm cancellation no later than twenty-four (24) hours prior to the scheduled renewal date. InsightForge accepts no liability for renewal charges incurred where cancellation was not completed within this window.

Billing Event	Outcome
Cancellation during active billing cycle	Access continues to cycle end. No pro-rata refund issued.
Cancellation >24h prior to renewal	Renewal successfully prevented. No further charges incurred.
Cancellation <24h prior to renewal	Renewal may proceed. New-cycle charges are non-refundable.
Account lapse due to payment failure	Access suspended pending resolution. No partial refund on recovered charges.

All financial disputes, billing inquiries, and service-level remediation requests must be directed exclusively through InsightForge's designated billing support channel. Communications addressed to general personnel, commercial sales representatives, or non-designated email addresses will not constitute a valid formal dispute submission and will not initiate a review or remediation workflow.

Chargeback Prohibition. The Client agrees that, prior to initiating any chargeback, payment reversal, or dispute with its bank, card issuer, or payment processor in respect of any charge made by InsightForge, the Client will first submit a formal billing dispute through InsightForge's designated billing support channel as described in this Section and allow InsightForge the full resolution period of ten (10) business days to investigate and respond. Initiating a chargeback in respect of a charge for a successfully delivered service, without first exhausting InsightForge's internal dispute process, shall constitute a material breach of this Policy and may result in suspension of the Client's account pending resolution. Nothing in this clause prevents the Client from exercising any statutory rights to payment reversal that cannot be lawfully excluded under applicable law.

To initiate a formal billing dispute or remediation request, the Client must supply all of the following reference data in a single consolidated communication addressed to the billing support contact below:

• The unique Report ID associated with the disputed transaction, as displayed within the Client's platform dashboard under the applicable report record.
• The precise Transaction Date as recorded by the applicable third-party payment processor, corresponding to the charge under dispute.
• A concise, factual description of the technical failure observed, including any error codes, on-screen notifications, or anomalous platform behaviours encountered at the time of the incident.

InsightForge commits to acknowledging all formally submitted billing disputes within three (3) business days of receipt. A final written determination will be issued within ten (10) business days of acknowledgement, subject to the scope and complexity of any required technical audit. Submissions omitting mandatory reference data will be returned to the Client for re-submission and will not be processed until complete.

In the absence of a superseding MSA specifying an alternative dispute resolution framework, this Policy and all related financial disputes shall be governed by applicable commercial law. Nothing in this Policy limits or excludes any statutory rights to which the Client is entitled under applicable consumer or commercial protection legislation that cannot be lawfully excluded.