Refund Policy

This policy applies to payments made directly to Desk Solutions for YA Markets memberships and digital services through desksolutions.io. A separately agreed Expert or custom-work scope may contain additional terms that apply to that work.

Nothing in this policy excludes, restricts, or modifies a consumer guarantee, right, remedy, or liability that cannot lawfully be excluded. This includes applicable rights under the Australian Consumer Law where a service is not provided with due care and skill, is not fit for an agreed purpose, or is not supplied within a reasonable time where no time was fixed.

These statutory rights apply independently of any discretionary refund described below.

Explore is free for seven days after Desk Solutions approval. Stripe Setup Checkout verifies and saves a reusable payment method without charging a membership fee at verification.

Auto-renewal to Essential is optional and off by default. If an Explore request is rejected, we clear the related renewal consent and verification record and instruct Stripe to detach reusable payment methods associated with that application. A later application requires fresh payment-method verification.

Essential currently costs US$100 per month, inclusive of tax as configured at checkout. Stripe charges the first subscription period at Checkout, but Essential workspace access remains pending until Desk Solutions approval.

If Desk Solutions rejects the application before access is approved, we cancel that subscription and submit a full refund of the payment attached to that approval Checkout invoice. We do not use the rejection process to reverse unrelated historical payments.

The refund is sent to the original payment method. Stripe, your wallet, card issuer, or bank controls the time taken for the credit to appear after it is submitted.

Essential monthly renewal is optional and off by default in registration. If you buy Essential without selecting renewal, the subscription is scheduled to end after the first paid period. If renewal is selected, billing continues monthly until cancelled.

Eligible accounts can use the Stripe Billing Portal from Manage Account to review invoices, update payment details, and cancel future renewal. Cancellation normally takes effect at the end of the paid period; unused time or a completed period is not automatically refundable unless required by law or approved under this policy.

Apart from rights required by law, Desk Solutions may consider a good-faith change-of-mind request made within seven days of a first paid membership purchase. Approval depends on the circumstances, including whether substantial access, downloads, custom work, or support has already been delivered.

Renewals, partial periods, consumed digital access, completed custom work, and third-party purchases are generally not refunded for change of mind. This does not limit remedies for a faulty or misdescribed service or any other non-excludable right.

Trading or investment losses, liquidation, missed opportunities, market movement, disagreement with an analytical output, or a broker, exchange, wallet, or data-provider issue do not by themselves establish that the YA Markets membership service was faulty.

Purchases made directly from a third party are handled under that provider's terms, without limiting rights you may have against that provider or under applicable law.

If a YA Markets problem prevents reasonable use of a paid feature, contact support@desksolutions.io promptly with your account email, plan, date, affected feature, device or browser details, and useful screenshots.

Depending on the issue and your legal rights, we may investigate, restore or re-supply access, extend service, issue a credit, or provide a refund or other remedy.

Approved refunds are submitted through Stripe to the original payment method where possible. Bank, card, wallet, currency-conversion, and Stripe processing times are outside our direct control.

Fees or conversion differences are handled according to applicable law and the payment provider's rules. We will not deduct an amount where doing so would conflict with a non-excludable right.

Contact us first where practical so we can investigate a billing issue. If a payment is disputed through a bank or Stripe, related access may be restricted while the dispute is resolved and records may be provided to the payment provider. This does not remove any lawful right to dispute a payment.

Email billing@desksolutions.io. Include your account email, plan or service, payment date, Stripe invoice or transaction reference if available, and the reason for the request.

We may verify your identity and ask for information reasonably needed to assess the request. We will respond within a reasonable period based on the issue and any applicable legal requirements.