Payment & Refund Policy

Shugard offers paid membership tiers (Basic and Premium) on a recurring subscription basis. By purchasing a membership, you authorize Shugard to charge your payment method on a recurring basis at the interval you selected (monthly, every 3 months, or every 6 months).

Your subscription will automatically renew at the end of each billing period unless you cancel before the renewal date. You can cancel your subscription at any time from your account settings.

ALL SALES ARE FINAL. Shugard does not offer refunds for any reason, including but not limited to:

• You changed your mind after purchasing.

• You did not use the membership features during the billing period.

• You were suspended or banned for violating our Terms of Use.

• You forgot to cancel before the renewal date.

• You were dissatisfied with the platform or the connections you made.

By completing a purchase, you expressly acknowledge and agree to this no-refund policy.

New members receive a one-month free trial with limited features. No credit card is required to start a free trial. At the end of the trial period, your account will revert to a free tier unless you purchase a paid membership.

Free trial features are subject to change at any time without notice.

Shugard Money allows members to send and receive money through the platform. The following terms apply to all Shugard Money transactions:

Platform Fee: Shugard charges a 10% fee on all money transfers. This fee is deducted from the amount sent and is non-refundable under any circumstances.

No Chargebacks: By initiating a Shugard Money payment, you agree not to file a chargeback with your bank or card issuer. Chargebacks are considered a violation of these terms and may result in account suspension.

No Reversals: Once a payment is processed, it cannot be reversed by Shugard. If you believe you were defrauded, you must contact your bank directly and file a report with law enforcement.

Voluntary Transfers: All Shugard Money transfers are voluntary. Shugard is not responsible for how members use money received through the platform.

Tax Responsibility: You are solely responsible for any tax obligations arising from money you send or receive through Shugard Money.

All payments are processed by Stripe, a third-party payment processor. By making a payment on Shugard, you also agree to Stripe's Terms of Service and Privacy Policy.

Shugard does not store your full credit card number, CVV, or bank account details. We retain only the information provided by Stripe (last four digits, card brand, expiration date, and Stripe customer ID).

Payments are charged in US Dollars (USD). If your payment method is in a different currency, your bank or card issuer may charge a foreign transaction fee.

If a recurring payment fails, we will attempt to charge your payment method again. If payment cannot be collected after multiple attempts, your account will be downgraded to the free tier and you will lose access to paid features.

You are responsible for keeping your payment information up to date. You can update your payment method at any time from your account settings.

Shugard reserves the right to change membership prices at any time. We will provide at least 30 days notice before any price increase takes effect for existing subscribers. Your continued use of the service after a price change constitutes your acceptance of the new pricing.

If you believe you have been charged in error, contact us at [email protected] within 30 days of the charge. We will review your claim and respond within 5 business days.

Initiating a chargeback without first contacting Shugard is a violation of these terms and may result in permanent account suspension.

To the fullest extent permitted by applicable law, Shugard's total liability for any payment-related claim shall not exceed the amount you paid to Shugard in the 30 days preceding the claim.