Subscriptions, Billing and Refunds
1. What You See Before You Pay
Before Banrox takes a payment method and before you agree to anything, on the same screen and next to the button you press, Banrox shows you:
- the exact price, including any tax, and the currency
- how often you will be charged and on what date the first charge lands
- that the plan renews automatically until you cancel
- the length of any trial, the date it converts, and the amount it converts to
- how to cancel, in one sentence, with a link to the cancel control in your account settings
- a link to this page
You then have to take a separate affirmative action to agree to the automatic renewal terms. It is never pre-ticked, never bundled into another checkbox, and never inferred from continuing to browse. California requires that separate agreement, and requires the terms to sit in visual proximity to the request for it, at Business and Professions Code section 17602(a)(1), (a)(2) and (a)(4), and Banrox applies the California rule to every member in every state rather than only to Californians.
California also requires an acknowledgement after the purchase, in a form you can keep, setting out the renewal terms, the cancellation policy and how to cancel, at Business and Professions Code section 17602(a)(3). Banrox is building that acknowledgement and is not sending it yet. What you get today is the receipt described in section 3. Section 3 sets out every notice, says which of them run today, and says what Banrox does in the meantime.
2. How to Cancel
One online control, inside your account, no conversation. Sign in, open your account Settings, find the subscription, and use the cancel control on it. It takes effect immediately for future charges: the next charge does not happen. Access to what you have already paid for continues until the end of the period you paid for, and then stops. There is no retention queue, no offer you have to decline, no phone call, no form to email, and no question you must answer. Nobody has to approve it and nothing waits in a queue.
Where the control is. It is in your account Settings, on the subscription itself. It is not in a section called Billing, and this page does not name the wording on the button, because the wording on the button is the wording you will see and this page will not contradict the screen. If you cannot find it, write to [email protected] and Banrox will cancel it for you and tell you where the control was.
The same way you signed up. You can cancel by the same means you used to agree to the renewal. If you subscribed online you can cancel online, and Banrox will not route you into a telephone call, a chat session, or a form in order to do it. California requires that at Business and Professions Code section 17602(f), and requires at section 17602(d)(1) that a consumer who could accept online can terminate online, at will, through a prominently located control. Banrox holds itself to both for every member, wherever they live.
If you would rather not use the control. Email [email protected] or call (888) 888-6401. If you leave a voicemail, Banrox either processes the cancellation or calls you back within one business day, which is what Business and Professions Code section 17602(c)(2) requires. Your cancellation is dated to the moment you sent the email or left the voicemail, not to when Banrox read it or listened to it, and any charge that lands after that moment is refunded in full.
If Banrox ever shows you an offer to stay. Banrox does not show a save offer, a discount, or a downgrade prompt when you cancel today. If Banrox ever adds one, a prominent control labelled "click to cancel", or words to that effect, will be displayed alongside that offer at the same moment and for as long as the offer is on the screen, so that declining it takes one press and no reading. That is what Business and Professions Code section 17602(e) requires. If a save offer is ever made by telephone, you will be told at the start of the call that you can cancel at any time by saying "cancel", before anything is offered to you.
Cancelling ends future charges. It does not by itself delete your account or your data. To do that as well, see State Privacy Rights.
3. The Notices Before a Charge, and Which of Them Run Today
What Banrox sends today. Banrox emails you a receipt for every charge, with the amount, the plan and the period covered.
What Banrox is building, and what happens until it ships. The post purchase acknowledgement, trial conversion reminders, renewal reminders for a plan with a term of one year or longer, the annual reminder for an annual automatic renewal plan, and the automated price change notice are in build. They are not being sent on a schedule yet. This page says so rather than describing a system that does not run. Until they run, Banrox will refund in full, on request and with no questions asked, any charge you did not expect. Email [email protected]. Banrox will also not apply a price increase to your plan unless it can show that it told you first, within the window in the table below.
The table sets out every notice, the window it is due in, what it has to contain, and whether it is running today. The windows are the ones the California Automatic Renewal Law sets, and Banrox uses them for every member in every state.
| Notice | When it is due | What it contains | Running today |
|---|---|---|---|
| A receipt for every individual charge | At the time of the charge | The amount, the plan, and the period covered | Yes |
| An acknowledgement after you subscribe | After the first charge | The renewal terms, the cancellation policy, and how to cancel, in a form you can keep | No, in build |
| A free or discounted trial longer than 31 days is about to convert | At least 3 and not more than 21 days before it converts | The conversion date, the amount, how to cancel, and a link to the cancel control | No, in build |
| A plan with a term of one year or longer is about to renew | At least 15 and not more than 45 days before the renewal date | The renewal date, the amount, how to cancel, and a link to the cancel control | No, in build |
| An annual automatic renewal plan, once a year | Every 12 months | What you are subscribed to, how often and how much you are charged, and how to cancel | No, in build |
| The price is going up | At least 7 and not more than 30 days before the new price applies | The old price, the new price, the date it applies, how to cancel, and a link to the cancel control | No, in build |
The annual reminder in the fifth row is due on an annual automatic renewal plan. Banrox does not promise a yearly summary on a monthly plan, because no statute requires one and this page does not invent duties for Banrox to breach. If you want a statement of what you are subscribed to at any time, ask at [email protected] and Banrox will send it.
Notices go by the same medium you signed up in, which for online signup means email to the address on your account. Keep it current.
4. Refunds
- A charge you did not expect, while the notices in section 3 are still being built: refunded in full on request, with no questions and no reason needed. Email [email protected]. This one stands until every notice in that table is running.
- Within 30 days of your first paid charge: full refund on request, no reason needed. Email [email protected].
- A charge after you cancelled: refunded in full, always, and we do not ask you to prove you cancelled. Our records show it.
- A charge you did not authorise: refunded in full while we investigate, not after.
- A feature you paid for that did not work: refunded for the affected period once we confirm the fault, which we will do from our own logs rather than asking you to prove it.
- Annual plan cancelled part way: pro rata refund of the unused whole months, unless the plan page said otherwise before you bought it.
- Everything else: we look at it and answer within 10 business days. We would rather refund a borderline case than argue about it.
Refunds go back to the original payment method within 5 to 10 business days depending on your bank. Where a state law gives you a stronger refund right than this policy, that law applies and this policy does not reduce it.
5. Trials
If a trial requires a payment method, the page says so before you enter it, states the exact date and amount of the first charge, and states that you can cancel before that date at no cost. California requires a free trial offer to state the price that applies once the trial ends, at Business and Professions Code section 17602(a)(1), and Banrox states it.
A trial is never extended into a paid plan silently, in the sense that the date and the amount are on the screen before you enter a payment method. The trial conversion reminder described in section 3 is still being built, so today nothing arrives to remind you again a few days before. Until that reminder runs, if a trial converts and you did not expect it, tell [email protected] and Banrox refunds the charge in full without asking you to explain.
One trial per person and per household. Creating additional accounts to obtain repeat trials is a breach of the Acceptable Use Policy.
6. If a Payment Fails
We email you, we retry a small number of times over a short window, and we tell you before each retry. If it still fails we suspend paid features and keep the account open so nothing is lost. We do not add a late fee, we do not add interest, we do not send a consumer subscription balance to a collection agency, and we do not report it to a credit bureau. Banrox does not furnish any information about you to any credit bureau.
7. Price Changes
A price change applies only to periods after the notice in section 3 has run in full. It never applies retroactively. The notice is due at least 7 days and not more than 30 days before the new price takes effect, and it has to tell you how to cancel. That is what Business and Professions Code section 17602(g)(2) requires, and it applies even to an increase you agreed to in advance when you subscribed, so a price rise you once consented to still needs its own notice before it can be charged.
If you do not want the new price, cancel before the effective date and you will not be charged it. If a change takes effect because a notice failed to reach a working email address, tell Banrox and it will refund the difference. If Banrox cannot show that it gave you the notice in the window above, it will not charge the new price, and it will refund it if it already has.
8. Disputes and Chargebacks
Come to us first if you can, at [email protected], because we can usually fix it the same day and a chargeback takes weeks. But using a chargeback is your right, we will not penalise you for it, and we will not close your account for raising one. Banrox will supply your bank with the subscription record, the receipts, the record that you agreed to the renewal and the date you agreed, and the cancellation event, and will send you the same pack. Section 9 says exactly what that record contains today and what it does not.
9. The Records We Keep
For every subscription Banrox keeps the record that you agreed to the automatic renewal and the date you agreed, every receipt, every notice it sent you, and the cancellation event.
What that record does not contain yet. Banrox does not yet store the exact wording that was displayed to you at the moment you agreed, or the internet address the agreement came from. Banrox is building that capture. Do not read this page as saying the evidence already exists, because today it does not. Until it is built, the archived version of the terms in force on the date you agreed is the text Banrox will treat as the text you saw, and Banrox will not argue otherwise against you.
The California Automatic Renewal Law at Business and Professions Code section 17602(a)(6) requires proof of a consumer's consent to an automatic renewal to be kept for three years, or one year after the subscription is terminated, whichever is longer. That is the retention period Banrox applies to these records and the standard the consent capture is being built to. You can request your complete billing file at any time at [email protected] and Banrox will send it free.
10. What We Will Not Do
Practices we treat as prohibited internally, not merely discouraged:
- Making cancellation harder than signing up, or routing it through a phone call when signup was online
- Showing an offer to stay without a control to cancel displayed next to it at the same moment
- Pre-ticking a renewal box, or hiding renewal terms behind a link or in a footer
- Adding a product to a cart that the member did not choose
- Charging a card after a cancellation request, for any reason
- Charging a new price before the notice period for it has run
- Using a countdown, a shrinking supply claim, or a warning of consequences to pressure a purchase
- Making a cancel control visually weaker than the keep button, or requiring more than one confirmation step
- Charging a fee to cancel, or a fee to speak to a human
If you encounter any of these on Banrox, that is a defect. Report it to [email protected] and we will fix it and refund you.
11. The Law This Page Sits Under
The live federal hook is the Restore Online Shoppers' Confidence Act at 15 U.S.C. sections 8401 to 8405, which requires the material terms to be disclosed clearly and conspicuously before billing information is taken, requires express informed consent, and requires a simple mechanism to stop recurring charges. Section 5 of the Federal Trade Commission Act applies on top of it.
The Federal Trade Commission's 2024 negative option rule, which was widely described as the "click to cancel" rule, was vacated in full by the Eighth Circuit in Custom Communications, Inc. v. FTC on 8 July 2025. It is not in force and this page is not drafted to it. The earlier rule was restored on 12 February 2026 as 16 C.F.R. section 425.1, "Use of Prenotification Negative Option Plans", which governs plans that ship goods periodically unless the subscriber declines them. Banrox ships no goods, so that rule does not reach a Banrox subscription. None of that reduces anything on this page, because the duties above come from California and from ROSCA rather than from the vacated rule.
The California Automatic Renewal Law at Business and Professions Code section 17600 and following, as amended by Assembly Bill 2863, took effect on 1 January 2025 and applies to contracts entered into, amended or extended on or after 1 July 2025. It is the standard this page is written to, and Banrox applies it to every member rather than only to members in California. Section 17603 makes goods or services delivered in breach of it an unconditional gift to the consumer, which is one reason this page states plainly which notices are not running yet. The automatic renewal statutes of other states apply as well. Where any of those gives you a stronger right than this page, that right applies. Complaint routes are at Complaints, Disputes and Regulator Contacts.
