Payment and Refund Policy

1. Project Pricing

All custom services are quoted and agreed before work begins.

Pricing may be fixed, staged, subscription-based, milestone-based, hourly, retainer-based, or otherwise structured depending on project scope and delivery requirements.

A quote, proposal, invoice, checkout page, subscription platform, or written agreement may include additional terms that apply to the specific project or service.

2. Digital Products, Memberships, And Subscriptions

Legion Algo Labs may offer digital products, subscriptions, academy access, app access, premium tools, AI-assisted features, trading laboratory features, software access, or membership-based services.

Subscription pricing, billing frequency, access rules, and cancellation terms will be shown at the point of purchase or in the relevant platform terms.

Features may change over time as the platform, Legion HQ app, Academy, Tools, Trading Lab, AI systems, and related services develop.

3. Payment Timing

Payment may be required upfront, monthly, annually, by subscription, by project milestone, by deposit plus balance, by invoice due date, or through another agreed payment structure.

Work, delivery, access, app access, academy access, premium tools, AI-assisted features, trading laboratory features, software access, or subscription access may be paused, delayed, restricted, or withheld if an agreed payment is not received on time.

4. Deposits

Deposits may be required to reserve project time, begin discovery, start planning, or begin delivery.

Unless otherwise agreed in writing or required by law, deposits may be non-refundable once time has been allocated, work has started, project planning has begun, discovery work has begun, or resources have been committed.

5. Refunds For Custom Digital Services

Because Legion Algo Labs provides custom digital services, payments are generally non-refundable once work has begun, time has been allocated, project delivery has started, discovery or planning work has been completed, or custom setup, configuration, content, code, automation, AI workflow, trading technology, documentation, dashboard, or software work has been produced.

If a refund request is made, Legion Algo Labs will review the request in good faith and consider the work completed, time allocated, costs incurred, project stage, any agreed terms, and applicable law.

6. Refunds For Digital Products Or Subscriptions

Refunds for digital products, memberships, subscriptions, app access, academy access, software access, premium tools, AI-assisted features, or trading laboratory features will depend on the terms shown at purchase, whether access has already been provided, whether digital content has been consumed or downloaded, whether a billing period has already started, whether there has been a technical or service issue, and applicable New Zealand law.

Unless otherwise stated, cancelling a subscription stops future billing but does not automatically create a refund for the current billing period.

7. Cancellations

For project work, work completed up to the cancellation point remains billable. Any agreed non-refundable deposit remains non-refundable unless required by law. Any remaining project balance may still be due where that is part of the agreed scope or payment structure.

Access to unpaid deliverables may be withheld until payment is complete.

For subscriptions, cancellation rules will be provided at checkout or through the relevant subscription platform. Users are responsible for cancelling before the next billing date where self-service cancellation is available.

8. Failed Payments And Chargebacks

If a payment fails, is reversed, or is charged back without first raising the issue with Legion Algo Labs, we may pause services, restrict access, suspend delivery, or recover reasonable costs where permitted by law.

Users should contact us first if there is a payment issue so we can try to resolve it fairly.

9. Consumer Law

Nothing in this policy is intended to exclude, restrict, or modify any rights or remedies that cannot lawfully be excluded under New Zealand law, including where the Consumer Guarantees Act 1993 or Fair Trading Act 1986 applies.

Where both parties are in trade, Legion Algo Labs and the client may agree in writing to contract out of parts of the Consumer Guarantees Act 1993 or Fair Trading Act 1986 only to the extent permitted by New Zealand law.

10. No Refunds For Trading Or Business Outcomes

Legion Algo Labs does not provide refunds because a user or client does not achieve a particular trading result, business outcome, revenue level, profit level, learning outcome, member result, course completion outcome, AI output result, automation result, or personal expectation, unless required by law or specifically agreed in writing.

Educational content, AI tools, trading laboratory features, automation systems, software tools, dashboards, trading technology, and digital services do not guarantee results.

11. Complaints And Resolution

We aim to resolve concerns fairly, clearly, and professionally.

If an issue arises, contact us promptly at legionalgolabs@gmail.com so we can review the matter and discuss a practical resolution.

12. Footer Note

Project-specific quotes, proposals, invoices, checkout pages, app store terms, subscription platforms, or written agreements may include more specific commercial terms that apply alongside this general policy.