Refund Policy

Subscription Cancellation / Withdrawal / Refund Policy

Effective Date: January 1, 2025 | Version: 2025.01

Northbridge Insight Co., Ltd. (hereinafter referred to as the "Company") operates the following refund and subscription cancellation policy in accordance with the Act on Consumer Protection in Electronic Commerce and other applicable laws and regulations.

Article 1 (Scope of Application)

This policy applies to all paid subscription services provided by the Company, including:

Day Trading Membership
Swing Trading Membership
Full Desk Bundle

Article 2 (Right of Withdrawal)

1. Withdrawal Period

Users may request withdrawal from a paid service within seven (7) days from the payment date.

2. Restrictions on Withdrawal

Withdrawal may be restricted in the following cases:

Where the service has been lost or damaged due to the user's fault
Where the user has used or partially consumed the service (e.g., viewing content)
Where the value of the service has significantly decreased over time to the extent that resale is difficult

⚠️ Important Notice: Due to the nature of this service as digital content (information-providing services), withdrawal may be restricted once content usage has begun, including but not limited to viewing strategy cards or reports.

Article 3 (Refund Procedure)

1. How to Request a Refund

Email: support@northbridgeinsight.com
Required Information: Registered email address, payment date, payment amount, reason for refund request

2. Refund Processing Time

Payment Method	Refund Processing Time
Credit Card	3–7 business days after payment cancellation
PayPal	3–5 business days after payment cancellation
Bank Transfer	3–5 business days after payment cancellation

Article 4 (Subscription Cancellation)

1. How to Cancel a Subscription

Direct cancellation via the "My Account" (account dashboard)
Cancellation request via email: support@northbridgeinsight.com

2. Effect of Cancellation

Subscriptions are terminated starting from the next billing date.
Users may continue to access the service until the end of the current billing period (monthly or annual).
Refunds for mid-term cancellation are governed by Article 5 below.

Article 5 (Mid-Term Cancellation Refunds)

1. Monthly Subscription

For monthly subscriptions: Full refund is available if withdrawal is requested within 7 days from the payment date. After 7 days, mid-term refunds are not available, and the service will terminate at the end of the current month.

2. Annual Subscription

Cancellation Timing	Refund Amount
Within 7 days after payment	Full refund
7 days – 1 month	Payment amount − (monthly fee × 1 month) − penalty (10%)
1 month – 3 months	Payment amount − (monthly fee × used months) − penalty (10%)
After 3 months	No refund (service remains available for the remaining period)

📌 Example Calculation: If an annual subscription of $5,990 is canceled after 2 months:
Refund Amount = $5,990 − ($599 × 2 months) − $599 (penalty) = $4,193

Article 6 (Non-Refundable Cases)

Change of mind after the 7-day withdrawal period
Where service content has already been accessed or used
Where service access is suspended due to violation of the Terms of Service
Where payment was made at a promotional or discounted price (subject to separate notice)

Article 7 (Customer Support)

Email	support@northbridgeinsight.com
Operating Hours	Weekdays 10:00–18:00 (excluding public holidays)
Response Time	Within 24 hours after receipt (business days)

Northbridge Insight Co., Ltd.
Email: support@northbridgeinsight.com