Payment Terms

1. Payment Processor (Stripe)

Lekkalu uses Stripe, Inc. as our exclusive payment processor for all transactions (donations and future subscriptions).

1.1 What is Stripe?

• Industry leader: Trusted by millions of businesses worldwide (Shopify, Lyft, Amazon)
• PCI DSS Level 1 certified: Highest level of payment security compliance
• Encryption: All payment data encrypted in transit (TLS 1.2+) and at rest (AES-256)
• Fraud detection: Advanced machine learning to detect and prevent fraudulent transactions
• Global compliance: Meets GDPR, PCI DSS, SOC 2, and regional payment regulations

1.2 What We DO NOT Have Access To

1.3 Stripe's Terms Apply

By making a payment through Lekkalu, you also agree to Stripe's terms:

• Stripe Services Agreement: stripe.com/legal/ssa
• Stripe Privacy Policy: stripe.com/privacy

2. Donations (Current)

Lekkalu is a passion project built by a solo developer to help people manage their finances privately and securely. If you find Lekkalu valuable, you can support its development through voluntary donations.

2.1 Donation Details

• Type: One-time voluntary donations (no recurring charges)
• Purpose: Support development, server costs, and maintenance
• Amounts: You choose the amount (minimum: CAD $5 or equivalent)
• Processing: Via Stripe Checkout (secure payment page)
• Refunds: Non-refundable (see Section 8)

2.2 What Donations Are NOT

2.3 How to Donate

1. Visit Settings → Support Lekkalu → Donate (or landing page donation button)
2. Choose your donation amount (or enter custom amount)
3. Click "Donate via Stripe" (redirects to Stripe Checkout)
4. Enter payment details (Stripe's secure form)
5. Confirm payment
6. Receive email receipt from Stripe

3. Pro Subscriptions (Future)

3.1 Planned Pro Features

When launched, the Pro tier will include advanced features such as:

• Live stock prices: Real-time market data for investment tracking
• Unrealized gain/loss: Portfolio performance analytics
• Advanced reports: Tax summaries, capital gains reports
• Priority support: Faster response times for issues
• Early access: Beta features before public release

Free tier remains unlimited: All 13 current features (transactions, accounts, goals, budgets, categories, recurring reminders, notifications, gamification, multi-currency, encryption, offline mode, exports, backups) will remain free forever.

3.2 Subscription Model (When Launched)

• Billing frequency: Monthly or annual (annual discount TBD)
• Pricing: To be determined (estimated CAD $5-10/month)
• Free trial: Likely 7-14 day free trial (no credit card required during trial)
• Auto-renewal: Subscriptions auto-renew unless cancelled
• Cancellation: Cancel anytime (retains Pro features until end of billing period)
• Grace period: 5 days after failed payment (see Section 7)

3.3 Launch Timeline

Launch date: TBD (estimated Q1-Q2 2025). We will announce via:

• Email to all users (opt-out available in settings)
• In-app notification
• Landing page banner and blog post

4. Pricing & Currency

4.1 Base Currency (Canadian Dollars)

• Primary currency: All prices displayed in Canadian Dollars (CAD)
• Why CAD?: Developer based in Canada, business jurisdiction is Canada
• Currency conversion: Stripe automatically converts to your local currency if your card uses a different currency (conversion rate set by Stripe + your bank)

4.2 Multi-Currency Support

When Pro subscriptions launch, we plan to offer pricing in multiple currencies (USD, EUR, GBP, INR, etc.) to avoid conversion fees. Current donations accept any currency via Stripe's auto-conversion.

4.3 Price Changes (Future Pro)

• Grandfathering: If we raise prices, existing subscribers keep their current rate (price locked in)
• Notice: 30 days advance notice for price increases
• Cancel option: You can cancel before the increase takes effect

5. Accepted Payment Methods

Stripe supports a wide range of payment methods. Availability depends on your country:

5.1 Credit & Debit Cards (Global)

• Visa, Mastercard, American Express, Discover
• Debit cards with Visa/Mastercard logo
• Prepaid cards (if enabled for online purchases)

5.2 Digital Wallets

• Apple Pay (iOS, macOS, Safari)
• Google Pay (Android, Chrome)
• Link (Stripe's 1-click checkout)

5.3 Bank Transfers & Local Methods (Planned)

When Pro subscriptions launch, we may add:

• ACH Direct Debit (USA)
• SEPA Direct Debit (Europe)
• iDEAL (Netherlands)
• UPI (India)
• Interac (Canada - if Stripe supports)

5.4 Payment Methods We Do NOT Accept

• Cash, checks, money orders
• Cryptocurrency (Bitcoin, Ethereum, etc.) - may add in future
• Wire transfers
• PayPal (Stripe-only for simplicity and security)

6. Billing Cycle & Renewal (Future Pro)

When Pro subscriptions launch, billing will work as follows:

6.1 Billing Date

• Monthly: Charged on the same day each month (e.g., if you subscribe on Jan 15, you'll be billed on Feb 15, Mar 15, etc.)
• Annual: Charged once per year on the anniversary of your subscription start date
• Prorated charges: If you upgrade mid-cycle, we charge only the difference for the remaining period

6.2 Auto-Renewal

• Automatic: Subscriptions auto-renew unless you cancel
• Reminders: Email reminder 7 days before renewal (with cancellation link)
• Opt-out: Cancel anytime before renewal date to stop charges

6.3 Receipts & Invoices

• Email receipt: Stripe sends automatic receipt after each successful payment
• Invoice history: View all invoices in Settings → Subscription → Billing History
• Download: PDF invoices available for expense reporting

7. Failed Payments & Grace Period (Future Pro)

If a subscription payment fails (expired card, insufficient funds, etc.), here's what happens:

7.1 Grace Period (5 Days)

• Day 0: Payment fails, Stripe sends email notification
• Days 1-5: Grace period - Pro features remain active
• Retry attempts: Stripe automatically retries payment 3 times (Days 1, 3, 5)
• Update card: You can update payment method in Settings → Subscription → Update Payment
• Day 6: If all retries fail, subscription cancelled, Pro features disabled

7.2 Restoring Access After Failed Payment

• Update payment method: Add new card in Settings → Subscription
• Automatic reactivation: Pro features restore immediately upon successful payment
• No data loss: Your free tier data (transactions, accounts, etc.) is never affected by payment failures

7.3 Common Reasons for Failed Payments

• Expired credit/debit card
• Insufficient funds in bank account
• Card reported lost or stolen
• Bank declined transaction (fraud prevention, international payments blocked)
• Incorrect billing address or CVV

8. Refund Policy

8.1 Donations: Non-Refundable

8.2 Pro Subscriptions: Partial Refund Policy (Future)

When Pro subscriptions launch, our refund policy will be:

• 14-day money-back guarantee: Full refund if you cancel within 14 days of first subscription charge
• After 14 days: No refunds for monthly/annual subscriptions (cancel anytime, but no prorated refunds)
• Exception: Service outages lasting >48 hours may qualify for prorated refund (discretionary)
• Processing errors: Full refund for duplicate charges or billing errors

8.3 How to Request a Refund

1. Email billing@lekkalu.app with subject "Refund Request"
2. Include: Transaction ID (from Stripe receipt), reason for refund, date of payment
3. Response time: 3-5 business days
4. Refund processing: 5-10 business days (via original payment method)

9. Cancellation & Downgrade (Future Pro)

When Pro subscriptions launch, you can cancel or downgrade at any time with no penalties.

9.1 How to Cancel

1. Log in to Lekkalu
2. Go to Settings → Subscription → Manage Subscription
3. Click "Cancel Subscription"
4. Confirm cancellation (optional: provide feedback)
5. Receive confirmation email from Stripe

9.2 What Happens After Cancellation

• Immediate: No more future charges (auto-renewal stopped)
• Access retained: Pro features remain active until the end of your current billing period
• Downgrade: On the billing date, you're automatically downgraded to Free tier
• Data preservation: All your data (transactions, accounts, etc.) is preserved (no data loss)
• Resubscribe: You can re-subscribe anytime

9.3 No Penalty for Cancellation

10. Chargebacks & Disputes

If you dispute a charge with your bank (chargeback) instead of contacting us first, please be aware of the following consequences:

10.1 Chargeback Process

• You initiate chargeback: Contact your bank/card issuer to dispute a Lekkalu charge
• Stripe notifies us: We receive chargeback notification with reason code
• We respond: Provide evidence to Stripe (transaction records, service logs, Terms of Service acceptance)
• Bank decides: Your bank reviews evidence and decides to uphold or reverse the chargeback

10.2 Consequences of Chargebacks

10.3 Valid Reasons to Contact Us (Not Chargeback)

• Duplicate charges (we'll refund immediately)
• Unrecognized charge (verify if it's a donation or future subscription)
• Cancelled subscription but still charged (we'll investigate and refund if error)
• Incorrect amount charged (we'll correct and refund difference)

Contact: billing@lekkalu.app (response within 24-48 hours)

11. Taxes & Receipts

11.1 Sales Tax / GST / VAT

• Canada (GST/HST): Canadian customers may be charged GST/HST based on province (rates: 5%-15%)
• European Union (VAT): EU customers charged VAT based on country (rates: 17%-27%)
• USA (Sales Tax): USA customers may be charged sales tax based on state (if threshold met)
• Other countries: Tax rates determined by Stripe based on local laws
• Tax-inclusive pricing: Prices shown are before tax (tax added at checkout)

11.2 Tax Receipts

• Automatic: Stripe sends email receipt with tax breakdown after each payment
• Business receipts: Add your company name and tax ID in Stripe Checkout (optional)
• VAT invoices: EU businesses can download VAT-compliant invoices from Settings → Billing History

11.3 Tax Deductibility

Pro subscriptions (future): May be tax-deductible as business expenses if used for business purposes (consult your tax advisor).

12. Payment Security

12.1 PCI DSS Compliance

• Stripe handles all payment data: PCI DSS Level 1 certified (highest security standard)
• We never store card numbers: Stripe tokens used instead of raw card data
• Encrypted transmission: All payment data sent via TLS 1.2+ encryption
• Encrypted storage: Stripe stores card data in AES-256 encrypted vaults

12.2 Fraud Prevention

• Stripe Radar: Machine learning fraud detection (blocks 99.9% of fraud)
• 3D Secure 2.0: Additional authentication for high-risk transactions (bank-issued challenge)
• CVC verification: Confirms you possess physical card
• Address verification: Matches billing address with card issuer records

12.3 What to Do If Your Card is Compromised

1. Contact your bank: Report card as lost/stolen, request new card
2. Update payment method in Lekkalu: Settings → Subscription → Update Payment (if you have Pro)
3. Monitor transactions: Check your Stripe email receipts for unauthorized charges
4. Contact us: If you see unauthorized Lekkalu charges, email support@lekkalu.app

13. Payment Data Retention

13.1 What We Store

• Supabase (our database): Transaction IDs, amounts, currencies, timestamps, subscription status, payment status (success/failed)
• We do NOT store: Full card numbers, CVV, expiration dates, billing addresses

13.2 What Stripe Stores

• Payment methods: Tokenized card data (encrypted), last 4 digits, card brand, expiration month/year
• Transaction history: Full payment records for 7 years (legal requirement for financial records)
• Customer data: Email, name (if provided), billing address (if provided)

13.3 Retention Periods

• Active subscriptions: Payment data retained indefinitely (required for billing)
• Cancelled subscriptions: Payment history retained for 7 years (tax/audit compliance)
• Deleted accounts: We delete our records within 30 days; Stripe retains for 7 years (legal requirement)

13.4 Deleting Payment Data

To delete payment data:

1. Cancel subscription (if applicable)
2. Delete Lekkalu account: Settings → Account → Delete Account
3. Contact Stripe: Request data deletion via support.stripe.com (subject to 7-year retention for legal compliance)

14. Changes to Payment Terms

We may update these Payment Terms from time to time (e.g., when Pro subscriptions launch, new payment methods added, pricing changes).

14.1 How We Notify You

• Minor changes: Update "Last Updated" date at top of this page
• Material changes: Email notification + in-app banner (30 days advance notice)
• Price increases: 30 days notice, grandfathering for existing subscribers

14.2 Your Options

• Accept changes: Continue using Lekkalu (constitutes acceptance)
• Reject changes: Cancel subscription before changes take effect (no penalty)

15. Contact Us

For billing questions, refund requests, or payment issues, please contact us:

• Billing Support: billing@lekkalu.app
• Refund Requests: billing@lekkalu.app (subject: "Refund Request")
• Payment Security: support@lekkalu.app
• General Inquiries: support@lekkalu.app
• Website: lekkalu.app
• Contact Form: lekkalu.app/about