Finlume Refund Policy

Last Updated: August 18, 2026

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1. General Refund Rules

We value your feedback and are committed to your complete satisfaction. If you are dissatisfied for any reason, you may be entitled to a refund under the terms set out in this Policy.

Generally, amounts are non-refundable and non-exchangeable unless required by applicable law. Nevertheless, we may consider and approve certain refund requests on a case-by-case basis, at our sole discretion.

Refunds can generally only be requested during the subscription period. If the subscription period has ended before you submit a refund request, the Service will be deemed fully consumed and no refund will be provided, except where applicable law provides otherwise.

To process any refund request, we must understand your reason for it — please state it clearly when contacting us.

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2. Note for Consumers in the EU / EEA / Switzerland

If you are a consumer located in the European Economic Area or Switzerland, you have a statutory right to withdraw from the contract for the purchase of the Service, subject to applicable consumer protection laws.

• The withdrawal period expires 14 days after the day you conclude the contract.
• To exercise it, inform us — Hong Kong Xingyue Network Technology Limited, Room 511, 5/F, Ming Sang Industrial Building, 19-21 Hing Yip Street, Kwun Tong, Hong Kong, email: [email protected] — by a clear statement (a letter sent by post or email).
• Because the Service is provided on a continuing basis (subscription), you expressly consent to its immediate provision. If you exercise your right of withdrawal, we will deduct from your refund the amount corresponding to the Service already provided before you notified us of the withdrawal.

You may use the standard withdrawal form below, but it is not mandatory.

Model Withdrawal Form

To: Hong Kong Xingyue Network Technology Limited, Room 511, 5/F, Ming Sang
    Industrial Building, 19-21 Hing Yip Street, Kwun Tong, Hong Kong,
    email: [email protected]

I hereby give notice that I withdraw from the contract concluded for the following service:

Received on: ___________________
Name: __________________________
Address: ________________________
Signature: ______________________ (only required if sent by post)
Date: ___________________________

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3. How to Request a Refund

All refund requests are handled through our support email; we currently do not operate a separate ticket portal. Email [email protected] with:

• your registered account email / user ID;
• your subscription plan and purchase date;
• your order ID (if any);
• the reason for your request.

We review requests case by case under this Policy, our Subscription Terms, and applicable law. If approved, we refund to your original payment method, generally within 3 business days (additional time may be needed depending on your payment provider).

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4. Contact

Company: Hong Kong Xingyue Network Technology Limited Address: Room 511, 5/F, Ming Sang Industrial Building, 19-21 Hing Yip Street, Kwun Tong, Hong Kong Refund / Support email: [email protected]