Refund Policy

1. Full refund before the draw

If you upgrade an exchange (Plus) or subscribe to Work and change your mind, you can request a full refund of that charge before the exchange is drawn. As long as the exchange you paid for has not yet been drawn, we will refund the charge in full to your original payment method.

2. After the draw

Once an exchange has been drawn, the paid features have been delivered, so refunds after the draw are at our discretion. We look at these requests case by case and try to be fair — for example where something went wrong on our side — but a refund after the draw is not guaranteed.

3. Duplicate and failed charges are always covered

Regardless of timing, we will always refund a duplicate charge or a charge made in error. If you are billed more than once for the same purchase, or charged for something you did not buy, contact us and we will return the extra amount.

4. Work renewals

The Work plan renews automatically each year. You can cancel at any time to stop future renewals — see the Billing Terms. If a renewal charge is made, the rules above apply: a full refund is available before you have used that renewal year’s paid features to draw an exchange, and after that refunds are at our discretion. Duplicate or erroneous renewal charges are always refunded.

5. How refunds are issued

Refunds go back to your original payment method through our payment provider. Once we approve a refund it is usually processed within a few business days, though your bank may take longer to show it. All refunds are made in USD.

6. How to request a refund

Email us at support@humbugg.com with the account email and the exchange or charge involved, and we will help.

7. Changes to this policy

We may update this refund policy over time. When we do, we will change the version and effective date shown at the top of this page.