Refund Policy

This policy applies to balance top-ups on fine.im (operated by Fine, referred to as "the Platform"), including manual one-time top-ups and auto top-up charges.

1. Your top-up balance (the portion funded by your own payments) is refundable at any time. A refund request always covers the entire current top-up balance — partial refunds are not offered.

2. The refunded amount is returned to the original payment method. Requests are processed in a daily settlement batch (T+1); arrival time depends on your bank or payment provider.

3. Promotional credits granted by the Platform (welcome credit, phone-verification credit, referral rewards, etc.) are not top-up amounts and are non-refundable, non-withdrawable and non-transferable. Refunds never touch your bonus balance.

4. Subscription time you have purchased is non-refundable and stays active until its expiry date, regardless of any balance refund.

5. While a refund request is in progress, the corresponding top-up balance is frozen and cannot be spent. You can cancel the request any time before it enters the daily settlement batch, which unfreezes the balance in full.

Auto top-up is optional. Authorization itself does not charge you (a zero-value order is used solely to save your payment method). You can lower the tier or turn it off completely anytime in Settings → Balance; turning it off takes effect immediately and no further automatic charges will occur. Charges already made are part of your top-up balance and follow Section 2.

Sign in and go to Settings → Balance → Refund to submit a request self-service — the request freezes your current top-up balance immediately and is settled the next day. If a refund cannot be completed automatically (for example certain legacy top-ups), it is handed to manual processing and we will contact you; you can also email service@fine.im with your registered email and top-up records (available under Settings → Billing).

If you dispute a charge, please contact us first so we can verify it. Please give us a chance to investigate before initiating a chargeback with your bank — abusive chargebacks will lead to account restriction.