Refund Policy

1. Scope

This Refund Policy applies to points and subscriptions purchased via the Sun-BD official website (stocks.sun-bd.com), operated by Sun-BD Co., Ltd. (Republic of China / Taiwan). Purchases made through third-party platforms (App Store, Google Play, distributors) are subject to the respective platform's refund rules and are not covered by this policy.

This policy is part of the Terms of Service; using the Service constitutes acceptance.

Note: In the event of any inconsistency between the English and Chinese versions, the Traditional Chinese version shall prevail.

2. Points Refund

2.1 Refund Conditions

• Unused points are refundable: from the purchase date (payment success time), unused points may be refunded within 180 days
• Used points are non-refundable: points already deducted for services, signals generated, or reports downloaded cannot be refunded
• Past 180 days, no refund: points held beyond 180 days are deemed exercised and not eligible for refund

2.2 Bonus Points

2.3 Calculation Example

Using "Plan-C": 2,000 purchased points + 600 bonus points = 2,600 total, payment NT$2,000.

• If 800 points consumed → system first deducts the 600 bonus + 200 paid points, leaving 1,800 paid points. Refundable = 1,800 ÷ 2,000 × NT$2,000 = NT$1,800 (less fees)
• If 600 or fewer points consumed → considered as using only bonus points; full original payment NT$2,000 refundable (less fees)

3. Subscription Refund

3.1 7-Day Cooling-Off (Unused)

• Within 7 days of subscription activation, if the Service has not been substantively used (no trading signals generated, no reports downloaded, no API calls, no strategy execution), a full refund may be requested
• "Substantive use" is determined by backend logs, including but not limited to: logging into desktop / mobile app and entering main features, generating any strategy signal, downloading any analysis report, calling any data API

3.2 Used or Past 7 Days

• Subscriptions that have been substantively used or are past the 7-day window are not eligible for refund
• Users may discontinue renewal at any time; remaining subscription period may continue to be used

3.3 Subscription Refund Summary

4. Non-Refundable Cases

Refunds will not be granted in the following cases:

• All bonus, campaign, referral, or new-member-reward points
• Already substantively used services or already deducted points
• Accounts suspended or terminated for violating the Terms of Service
• Refund requests due to personal reasons (forgot to cancel, mispurchase, inability to operate), except for the 7-day cooling-off applicable to subscriptions
• Points held beyond 180 days without refund request
• Purchases made through App Store, Google Play, or other third-party platforms (handle per the platform's rules)
• Service interruptions caused by force majeure (natural disaster, war, government order)

5. Processing Time & Fees

5.1 Processing Time

• The Company will review and respond within 3 business days of receiving a complete refund request
• After approval, funds will be returned via the original payment method within 7 to 15 business days
• Actual posting time depends on the user's bank, credit card issuer, or payment processor and cannot be guaranteed by the Company

5.2 Deductible Fees

The refund amount will be reduced by the following fees:

• Payment-processing fees: credit card chargeback fees approximately 2–3% (varies by issuer)
• Inter-bank wire fees: NT$30 per transaction for bank-transfer refunds
• Cross-border transaction costs: foreign-exchange differences and fees for overseas credit cards or foreign-currency transactions
• Other necessary third-party fees

5.3 Refund Methods

• Refunds are issued via the original payment method and original currency
• Credit card → credit card chargeback (appearing on the next or following billing cycle)
• ATM / bank transfer → returned to original transferring account
• Third-party payment (LINE Pay, JKO Pay, etc.) → returned to original payment account

6. How to Request a Refund

The refund-request method will be announced on this website. To protect account security, the account holder must submit the request and the Company may require additional identity verification.

6.5 EEA / UK Distance-Selling Right of Withdrawal

For consumers resident in the European Economic Area (EEA), the EU Consumer Rights Directive (2011/83/EU) Articles 9-15 grant a 14-day right of withdrawal from distance contracts. For consumers resident in the United Kingdom, the equivalent right is provided by the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

However, pursuant to Directive 2011/83/EU Article 16(m) and Regulation 37(1)(a), the right of withdrawal does not apply to digital content where:

• performance has begun with the consumer's prior express consent, AND
• the consumer has acknowledged loss of the right of withdrawal

By selecting "I agree to begin service immediately and waive my withdrawal right" at checkout, EEA / UK consumers expressly consent to immediate service provision and acknowledge loss of the 14-day withdrawal right. If you have not made this election, you retain the 14-day withdrawal right and may request a full refund within 14 days of purchase.

7. Dispute Resolution

This Refund Policy is governed by the laws of the Republic of China (Taiwan). Any dispute arising shall first be submitted to the Taiwan Taipei District Court as the court of first instance.

For consumers resident in the European Economic Area (EEA), you may also use the EU Online Dispute Resolution (ODR) platform at ec.europa.eu/consumers/odr, or contact your local national consumer protection authority.

For consumers resident in the United Kingdom, you may lodge a complaint with the Information Commissioner's Office (ICO) for data-related disputes, or use the Money Claim Online service for monetary claims up to £100,000.

8. Policy Revisions

The Company reserves the right to revise this Refund Policy at any time. Revisions take effect from the date of website publication and apply to subsequent transactions. Transactions concluded prior to revision are governed by the policy in effect at that time.

9. Contact

• Website: https://stocks.sun-bd.com
• Service Hours: Monday to Friday (excluding national holidays) 09:00–18:00 (Taipei Time)