PULSE TARGET AI, INC.

Subscription, Billing, Cancellation & Refund Policy

Version: 2026-09-15-v2-attorney-draft
Status: DRAFT — PENDING ATTORNEY REVIEW

DRAFT — PENDING ATTORNEY REVIEW.
This Subscription, Billing, Cancellation & Refund Policy is a working draft prepared for review by legal counsel. It should not be treated as the final production policy until reviewed and approved or revised by counsel for Pulse Target AI, Inc.
CURRENT PULSE TARGET AI SUBSCRIPTION

Subscription Price: US $99.00 per month

Billing Frequency: Monthly

Renewal: Automatically renews each month until canceled

Cancellation: A subscriber may cancel the recurring subscription using the cancellation method made available by Pulse Target AI.

Unless otherwise expressly stated or required by applicable law, cancellation stops future recurring charges and paid access continues through the end of the then-current paid billing period.

1. Scope of This Policy

This Subscription, Billing, Cancellation & Refund Policy ("Subscription Policy") governs recurring paid subscriptions to the Pulse Target AI platform and related subscription-based Services.

This Policy forms part of the legal agreement between the subscriber and Pulse Target AI, Inc. ("Pulse Target AI," "Company," "we," "us," or "our").

This Policy should be read together with the Pulse Target AI Terms of Service, Privacy Policy, and Trading and Investment Risk Disclosure.

2. Current Subscription Price

The current standard Pulse Target AI platform subscription covered by this Policy is:

US $99.00 per month.

The price actually applicable to a subscriber is the price clearly displayed and accepted by that subscriber at checkout.

If Pulse Target AI later offers additional subscription plans, promotional prices, annual plans, educational packages, enterprise arrangements, or other products, those products may be subject to different pricing and terms disclosed before purchase.

3. Monthly Recurring Subscription

The $99 Pulse Target AI subscription is a recurring monthly subscription.

By purchasing the subscription, the subscriber authorizes the applicable payment processor to charge the selected payment method:

Applicable taxes, if any, may be added as required by law.

4. Automatic Renewal

THE SUBSCRIPTION AUTOMATICALLY RENEWS EACH MONTH UNLESS IT IS CANCELED.

Each successful monthly renewal extends paid subscription access for the next applicable monthly billing period.

The subscriber authorizes recurring charges by affirmatively purchasing the subscription after the subscription price and recurring nature of the subscription have been disclosed.

5. Affirmative Authorization

Pulse Target AI intends to obtain affirmative authorization before initiating a recurring paid subscription.

The subscription checkout process should clearly identify:

6. Payment Processor

Subscription payments may be processed through Stripe or another authorized third-party payment processor.

By purchasing a subscription, the subscriber authorizes the payment processor to process recurring charges in accordance with the subscription terms presented at checkout.

The payment processor may maintain the payment credentials associated with the subscription in accordance with its own security, privacy, and payment-processing practices.

7. Payment Card Information

Pulse Target AI does not intend to store complete payment-card numbers or card security codes directly in its application database when payment information is processed by the Company's third-party payment processor.

Pulse Target AI may maintain payment-processor identifiers and limited billing information necessary to identify and administer a subscription.

8. Billing Date

The initial payment date generally establishes the subscriber's recurring billing cycle, subject to the payment processor's billing rules and any subsequent authorized changes.

For example, a subscription beginning on a particular calendar date will generally renew approximately monthly thereafter unless canceled or otherwise modified.

Calendar variations, payment-processing timing, technical conditions, or billing-system rules may cause minor differences in the exact processing time.

9. Authorization for Recurring Charges

By subscribing, the subscriber authorizes recurring charges to the payment method associated with the subscription until:

10. Subscriber Responsibility for Payment Information

Subscribers are responsible for maintaining valid and accurate payment information with the applicable payment processor.

Failure to maintain a valid payment method may result in unsuccessful renewal, suspension, restricted access, or termination of the subscription.

11. Failed Payments

If a recurring payment fails, Pulse Target AI or its payment processor may attempt to collect the payment again in accordance with applicable payment-processing settings and law.

The subscriber may receive electronic notices concerning failed or past-due payments.

12. Past-Due Accounts

Access to paid Services may be restricted, suspended, or terminated when the subscription is unpaid, past due, incomplete, expired, or otherwise not in a status that authorizes paid access.

Restoration of access may require successful payment or establishment of a valid subscription.

13. No Guaranteed Grace Period

Unless expressly provided by Pulse Target AI or required by applicable law, subscribers should not assume that a grace period will apply after a failed subscription payment.

Technical access may be suspended when the subscription is no longer in an eligible paid status.

14. Cancellation Right

A subscriber may cancel the recurring Pulse Target AI subscription.

Cancellation is intended to prevent future recurring subscription charges after the cancellation becomes effective.

15. How to Cancel

Pulse Target AI will provide a reasonably accessible method for subscribers to cancel or manage their recurring subscription.

Depending on the current implementation, cancellation may be available through:

The final production version of this Policy should describe the exact cancellation method available to subscribers at launch.

16. Cancellation Confirmation

When technically supported, Pulse Target AI or its payment processor may provide an electronic confirmation indicating that a cancellation request was received or processed.

Subscribers should retain applicable cancellation confirmation records.

17. Effect of Cancellation

Unless otherwise expressly stated or required by law, cancellation of a monthly subscription does not immediately terminate access that has already been paid for.

A subscriber who cancels will ordinarily retain access through the end of the then-current paid billing period.

After that period expires, the subscription will not renew and paid member access may end.

18. Cancel Before the Next Renewal

A subscriber who does not want another monthly charge should submit the cancellation sufficiently before the next renewal is processed.

Because payment processing is automated, a cancellation submitted after a renewal charge has already been processed may not prevent that charge.

19. Cancellation Does Not Reverse Prior Charges

Cancellation stops future renewal according to the effective cancellation date.

Cancellation does not automatically reverse a charge that was validly processed before the cancellation became effective.

20. General Refund Policy

Except where required by applicable law, expressly promised at the time of purchase, or otherwise approved by Pulse Target AI, subscription payments are generally non-refundable after they have been validly processed.

Subscribers are encouraged to cancel before the next renewal charge if they no longer wish to continue the subscription.

21. No Automatic Prorated Refund

Except where required by law or expressly authorized by Pulse Target AI, cancellation during a monthly billing period does not automatically entitle the subscriber to a prorated refund for the unused portion of that period.

The subscriber ordinarily retains paid access through the end of the applicable billing period instead.

22. Refund Exceptions

Pulse Target AI may issue a full or partial refund when appropriate, including situations involving:

The existence of this section does not guarantee a refund in every circumstance.

23. Duplicate Charges

Subscribers who reasonably believe that they were charged more than once for the same subscription period should promptly contact Pulse Target AI so the billing records can be reviewed.

Verified duplicate charges may be corrected or refunded as appropriate.

24. Unauthorized Charges

A subscriber who believes that a payment method was used without authorization should promptly:

Pulse Target AI may request information reasonably necessary to investigate the claim.

25. Billing Disputes

Subscribers are encouraged to contact Pulse Target AI regarding a suspected billing error so the matter can be investigated.

Nothing in this Policy eliminates rights a consumer may have under applicable payment-card, banking, consumer-protection, or other laws.

26. Chargebacks

The initiation of a chargeback or payment dispute may result in restriction or suspension of the associated paid subscription while the matter is investigated, where permitted by law and payment-processor rules.

Pulse Target AI may provide relevant transaction, account, subscription, or consent records to the payment processor or financial institutions when reasonably necessary to respond to a payment dispute.

27. Legal Acceptance Records

Pulse Target AI may maintain records demonstrating the subscriber's acceptance of the legal agreements applicable to the subscription.

Records may include:

28. Electronic Communications

Subscribers consent to receive subscription-related communications electronically, including communications concerning:

29. Access Is Tied to Subscription Status

Pulse Target AI may use the subscription status received from its payment system to determine whether a member is entitled to access paid features.

Statuses indicating an active or otherwise authorized subscription may permit access.

Canceled, expired, unpaid, incomplete, or other ineligible statuses may result in loss or restriction of paid access.

30. Cancellation at the End of the Billing Period

Where the subscription is configured to cancel at the end of the current billing period, the subscriber may continue to access paid Services until that period ends.

No new recurring charge should be processed for a subsequent period after the cancellation takes effect, subject to payment-processing timing and applicable law.

31. Immediate Termination for Serious Misuse

Pulse Target AI may immediately suspend or terminate access where reasonably necessary because of:

Refund treatment in such circumstances will be determined according to applicable law, the Terms of Service, and the circumstances of the violation.

32. Company Termination Without User Misconduct

If Pulse Target AI permanently discontinues a paid subscription service for reasons unrelated to the subscriber's misconduct, the Company may, as appropriate and consistent with applicable law:

33. Subscription Does Not Guarantee Trading Results

The subscription fee purchases access to software, analytics, market intelligence, educational resources, or other Services described by Pulse Target AI.

The subscription fee does not purchase or guarantee:

34. Trading Loss Is Not a Basis for Automatic Refund

Because trading outcomes are outside Pulse Target AI's control, a subscriber's trading loss, unsuccessful trade, missed opportunity, incorrect prediction, failed signal, or failure to achieve an expected move does not by itself create a right to a subscription refund.

This provision does not limit any right that cannot lawfully be waived.

35. System Interruptions

Temporary interruptions resulting from maintenance, internet failures, market-data providers, news providers, cloud infrastructure, payment systems, third-party APIs, cybersecurity events, or other technical conditions do not automatically create a right to a refund.

Pulse Target AI may provide credits or other remedies when appropriate based on the nature and duration of a material service interruption.

36. Material Extended Outages

If a material outage attributable to Pulse Target AI substantially prevents access to the paid Service for an extended period, Pulse Target AI may evaluate whether an account credit, extension, refund, or other appropriate remedy should be provided.

Any legally required remedy will be provided notwithstanding this Policy.

37. Price Changes

Pulse Target AI may change subscription prices in the future.

A price change will not retroactively alter a charge already paid.

For an existing recurring subscriber, Pulse Target AI intends to provide reasonable advance notice of a material subscription-price change before the new price is charged, and will comply with any additional notice or consent requirements imposed by applicable law.

38. Existing Subscriber Price Changes

Where legally required or operationally appropriate, a subscriber may need to affirmatively accept a new price before it becomes effective.

If the subscriber does not accept a required new price, the subscription may terminate at the end of the period paid at the previously authorized price rather than renew at the new price.

39. Promotions and Discounts

Pulse Target AI may offer promotional pricing, discounts, coupons, or other limited offers.

Promotions may be subject to separate eligibility requirements, expiration dates, or conditions.

Unless the promotion expressly states otherwise, the regular subscription price applicable after the promotional period will be disclosed before purchase where required.

40. Free Trials

Pulse Target AI does not promise that a free trial will always be available.

If a free trial is offered, its duration, eligibility requirements, conversion to paid service, cancellation deadline, and recurring price will be disclosed before the user enrolls.

41. Taxes

Subscription prices may be exclusive of sales, use, communications, digital-service, or other taxes that Pulse Target AI or its payment processor is legally required to collect.

Applicable taxes may be added to the amount charged.

42. Currency

Unless expressly stated otherwise, prices displayed as "$" or "USD" by Pulse Target AI refer to United States dollars.

43. Processor and Bank Charges

Pulse Target AI is not responsible for independent fees imposed by a subscriber's bank, card issuer, financial institution, currency-conversion provider, or similar third party.

44. Account Sharing

A subscription is intended for the authorized account holder unless Pulse Target AI expressly offers a multi-user or organizational plan.

Sharing, reselling, sublicensing, or transferring paid access without authorization may result in suspension or termination.

45. Subscription Transfer

A subscription may not be transferred to another individual or account without Pulse Target AI's authorization.

46. Course and Handbook Purchases

This Policy primarily governs recurring Pulse Target AI platform subscriptions.

Courses, digital handbooks, educational packages, live instruction, or other one-time purchases may have separate pricing, delivery, cancellation, and refund terms that will be disclosed before purchase.

A one-time educational purchase should not be assumed to include a recurring Pulse Target AI subscription unless expressly stated.

47. Subscription and Educational Products Are Separate

Unless a particular offer expressly combines them, purchasing:

does not automatically include the other products.

48. Future Subscription Plans

Pulse Target AI may introduce:

The price and material terms of a future plan will be disclosed before the subscriber purchases that plan.

49. No Lifetime Subscription Unless Expressly Stated

Payment of a monthly subscription fee does not purchase lifetime access to Pulse Target AI.

Access continues only for the paid subscription period and subject to the applicable agreements.

50. Cancellation Does Not Delete the Account Automatically

Canceling a paid subscription may stop paid access without automatically deleting the user's underlying account.

Account deletion and subscription cancellation may be separate actions.

51. Account Records After Cancellation

Pulse Target AI may retain information after cancellation when reasonably necessary for:

Personal information is otherwise handled according to the Pulse Target AI Privacy Policy.

52. Re-Subscription

A former subscriber may be permitted to purchase a new subscription after cancellation.

The price and terms in effect at the time of re-subscription may differ from the subscriber's prior price or terms.

53. Updated Legal Terms Before Re-Subscription

Pulse Target AI may require a former subscriber to review and accept the current Terms of Service, Privacy Policy, Trading Risk Disclosure, or Subscription Policy before beginning a new paid subscription.

54. Subscription Status Determined by Payment Records

Where there is a discrepancy between a locally displayed subscription status and authoritative payment-processor records, Pulse Target AI may investigate and reconcile the subscription before granting or denying paid access.

55. Technical Billing Errors

Pulse Target AI may correct technical or administrative billing errors.

Such correction may include:

56. Fraud Prevention

Pulse Target AI and its payment providers may use reasonable fraud- prevention and security procedures.

A transaction may be rejected, delayed, reviewed, or canceled when fraud, unauthorized payment use, identity misuse, or another security risk is reasonably suspected.

57. Electronic Receipts and Records

Subscription records, receipts, billing confirmations, and cancellation records may be provided or maintained electronically.

Subscribers are responsible for maintaining access to the email address associated with their account.

58. Keeping Email Information Current

Subscribers should maintain a valid email address so they can receive important subscription, billing, security, and legal communications.

59. Automatic Renewal Notices

Pulse Target AI will provide any automatic-renewal notice required by applicable law.

The exact notice requirements may depend on the length and structure of the subscription plan.

Nothing in this Policy is intended to reduce a notice obligation imposed by applicable consumer-protection law.

60. Florida Automatic-Renewal Requirements

Pulse Target AI intends to disclose recurring subscription terms clearly and conspicuously before purchase and to comply with Florida automatic-renewal requirements to the extent they apply to a particular subscription arrangement.

The current standard plan renews on a monthly basis.

The applicability of particular statutory notice requirements depends on the terms and duration of the applicable service contract and should be confirmed in the final attorney-approved version.

61. Consumer Rights

Nothing in this Policy is intended to waive or restrict a consumer right that cannot legally be waived.

If applicable law provides a cancellation, refund, notice, dispute, payment, or other consumer right greater than the rights described in this Policy, the applicable law controls.

62. No Deceptive Billing Practices

Pulse Target AI intends to present the material price and recurring nature of a subscription clearly before payment authorization.

Pulse Target AI does not intend to conceal mandatory recurring charges or represent a recurring subscription as a one-time payment.

63. Material Subscription Terms at Checkout

The checkout interface should display or provide clear access to material subscription information before purchase, including:

64. Separate Consent to Legal Agreements

Pulse Target AI may require a user to affirmatively accept applicable legal agreements before the user can create an account or begin a paid checkout.

Failure to provide required acceptance may prevent the subscription checkout from beginning.

65. Evidence of Subscription Authorization

Pulse Target AI and its payment processor may maintain records reasonably necessary to establish that a subscriber authorized the subscription and recurring billing arrangement.

66. Modification of Subscription Features

Pulse Target AI may modify or improve features included in the subscription.

The Company will not intentionally use minor feature changes to disguise a material price increase or other material subscription change that requires disclosure or consent under applicable law.

67. Discontinuation of Particular Features

Individual software features, data integrations, news providers, market- data providers, analytics, or technical functions may change or be discontinued because of technical, licensing, regulatory, security, or business considerations.

A feature change does not necessarily terminate the overall subscription.

68. Third-Party Data and Licensing Changes

Market-data, news, API, or other third-party licensing arrangements may change.

Pulse Target AI may replace or modify a third-party provider when reasonably necessary.

Such changes may affect the availability, timing, coverage, or presentation of certain platform information.

69. Suspension Required by Law

Pulse Target AI may suspend or modify a Service if continued operation would violate applicable law, regulation, court order, licensing restriction, or other binding legal obligation.

70. Subscriber Conduct

Payment of a subscription fee does not authorize the subscriber to:

71. Cancellation Following Terms Violation

If access is terminated because of a material violation of the Terms of Service, refund eligibility, if any, will depend on applicable law and the circumstances of the violation.

72. No Waiver of Statutory Remedies

Nothing in this Subscription Policy eliminates remedies or protections that applicable federal or state law does not permit Pulse Target AI and a consumer to waive.

73. Changes to This Policy

Pulse Target AI may update this Subscription Policy to reflect changes in:

Each version may be assigned an effective date or version identifier.

74. Material Changes

When a material change requires advance notice or renewed affirmative consent under applicable law, Pulse Target AI will provide the required notice or obtain the required consent before applying the change.

75. Version Records

Pulse Target AI may preserve prior versions of this Policy and electronic records identifying the version presented to or accepted by a subscriber.

76. Governing Agreements

This Policy supplements the Pulse Target AI Terms of Service.

In the event of a conflict, the more specific subscription or billing provision generally controls with respect to subscription billing, subject to applicable law and any separately executed agreement.

77. Governing Law

Except to the extent federal law or another mandatory law applies, this Policy is governed by the laws of the State of Florida consistent with the governing-law provisions of the Pulse Target AI Terms of Service.

78. Contact Regarding Billing or Cancellation

Questions concerning subscriptions, billing, cancellation, or refunds may be submitted through the contact information published on the official Pulse Target AI website:

pulsetargetai.com

The final attorney-approved version should specify the Company's designated billing/support email address and any additional cancellation contact method counsel considers appropriate.

SUBSCRIPTION ACKNOWLEDGMENT

BY PURCHASING THE CURRENT STANDARD PULSE TARGET AI SUBSCRIPTION, THE SUBSCRIBER ACKNOWLEDGES THAT THE PRICE IS US $99.00 PER MONTH AND THAT THE SUBSCRIPTION AUTOMATICALLY RENEWS MONTHLY UNTIL CANCELED.

THE SUBSCRIBER AUTHORIZES RECURRING MONTHLY CHARGES TO THE APPLICABLE PAYMENT METHOD UNTIL THE SUBSCRIPTION IS CANCELED OR OTHERWISE TERMINATED.

UNLESS OTHERWISE REQUIRED BY LAW OR EXPRESSLY STATED, CANCELLATION ORDINARILY PREVENTS FUTURE RENEWAL WHILE ACCESS CONTINUES THROUGH THE END OF THE CURRENT PAID BILLING PERIOD, AND NO AUTOMATIC PRORATED REFUND IS PROVIDED FOR A PARTIALLY USED MONTH.


PULSE TARGET AI, INC.
Subscription, Billing, Cancellation & Refund Policy
Version: 2026-09-15-v2-attorney-draft
DRAFT — PENDING ATTORNEY REVIEW