1. Scope
This Refund Policy applies to points and subscriptions purchased via the Sun-BD official website (www.sun-bd.com). Purchases made through third-party platforms (App Store, Google Play, distributors) are subject to the respective platform's refund rules and are not covered by this policy.
This policy is part of the Terms of Service; using the Service constitutes acceptance.
Note: In the event of any inconsistency between the English and Chinese versions, the Traditional Chinese version shall prevail.
2. Points Refund
2.1 Refund Conditions
- Unused points are refundable: from the purchase date (payment success time), unused points may be refunded within 180 days
- Used points are non-refundable: points already deducted for services, signals generated, or reports downloaded cannot be refunded
- Past 180 days, no refund: points held beyond 180 days are deemed exercised and not eligible for refund
2.2 Bonus Points
Note: All bonus points (purchase bonuses, campaign rewards, referral rewards, new-member gifts) are non-refundable. Refund calculations apply only to points the user actually paid for.
2.3 Calculation Example
Using "Plan-C": 2,000 purchased points + 600 bonus points = 2,600 total, payment NT$2,000.
- If 800 points consumed → system first deducts the 600 bonus + 200 paid points, leaving 1,800 paid points. Refundable = 1,800 ÷ 2,000 × NT$2,000 = NT$1,800 (less fees)
- If 600 or fewer points consumed → considered as using only bonus points; full original payment NT$2,000 refundable (less fees)
3. Subscription Refund
3.1 7-Day Cooling-Off (Unused)
- Within 7 days of subscription activation, if the Service has not been substantively used (no trading signals generated, no reports downloaded, no API calls, no strategy execution), a full refund may be requested
- "Substantive use" is determined by backend logs, including but not limited to: logging into desktop / mobile app and entering main features, generating any strategy signal, downloading any analysis report, calling any data API
3.2 Used or Past 7 Days
- Subscriptions that have been substantively used or are past the 7-day window are not eligible for refund
- Users may discontinue renewal at any time; remaining subscription period may continue to be used
3.3 Subscription Refund Summary
| Scenario | Refundable? | Refund Amount |
|---|
| Within 7 days, not substantively used |
✓ Full refund |
Payment minus payment-processing fees |
| Within 7 days, already substantively used |
✗ No refund |
— |
| Past 7 days |
✗ No refund |
— |
| Service unavailable due to system fault (Company's fault) |
✓ Pro-rata refund |
Refund prorated by days of service not delivered |
4. Non-Refundable Cases
Refunds will not be granted in the following cases:
- All bonus, campaign, referral, or new-member-reward points
- Already substantively used services or already deducted points
- Accounts suspended or terminated for violating the Terms of Service
- Refund requests due to personal reasons (forgot to cancel, mispurchase, inability to operate), except for the 7-day cooling-off applicable to subscriptions
- Points held beyond 180 days without refund request
- Purchases made through App Store, Google Play, or other third-party platforms (handle per the platform's rules)
- Service interruptions caused by force majeure (natural disaster, war, government order)
5. Processing Time & Fees
5.1 Processing Time
- The Company will review and respond within 3 business days of receiving a complete refund request
- After approval, funds will be returned via the original payment method within 7 to 15 business days
- Actual posting time depends on the user's bank, credit card issuer, or payment processor and cannot be guaranteed by the Company
5.2 Deductible Fees
The refund amount will be reduced by the following fees:
- Payment-processing fees: credit card chargeback fees approximately 2–3% (varies by issuer)
- Inter-bank wire fees: NT$30 per transaction for bank-transfer refunds
- Cross-border transaction costs: foreign-exchange differences and fees for overseas credit cards or foreign-currency transactions
- Other necessary third-party fees
5.3 Refund Methods
- Refunds are issued via the original payment method and original currency
- Credit card → credit card chargeback (appearing on the next or following billing cycle)
- ATM / bank transfer → returned to original transferring account
- Third-party payment (LINE Pay, JKO Pay, etc.) → returned to original payment account
6. How to Request a Refund
Please follow these steps:
- Step 1: From the registered account email, send a request to contact@sun-bd.com
- Step 2: Use the subject line "Refund Request - [your member email]"
- Step 3: Provide the following information in the email body:
- Member registration email
- Order number (available in your member center)
- Plan name and amount to be refunded
- Reason for refund (brief)
- Refund method (credit card chargeback / bank account info)
- Step 4: The Company may request additional verification to confirm identity
Important: For account security, refund requests must be initiated by the account holder in person, sent from the registered email. Third-party-submitted requests may be rejected.
7. Dispute Resolution
If you have objections to the refund decision, please submit a written appeal within 14 days of receiving the result notification. Both parties shall negotiate in good faith. Failing resolution, the dispute shall be handled per Section 12 of the Terms of Service.
8. Policy Revisions
The Company reserves the right to revise this Refund Policy at any time. Revisions take effect from the date of website publication and apply to subsequent transactions. Transactions concluded prior to revision are governed by the policy in effect at that time.
9. Contact