Yes. Every plan cancels in two clicks from your dashboard or the Stripe customer portal — no email, no phone call. Your access continues until the end of the billing period you've already paid for, and you keep every Master Plan PDF generated during your subscription.

7-day money-back guarantee on every paid tier. If MoneySmith isn't a fit in the first week, email support@moneysmith.one and we'll refund the most recent charge in full — no questions, no friction. After day 7, refunds are evaluated case-by-case for genuine billing errors.

Spark is the on-ramp: monthly Master Plan refresh + AI Coach chat with usage caps suited to a single founder. Compass adds higher Coach throughput, deeper niche analysis, and priority email support — designed for operators running multiple income streams. Atlas is for serious portfolio builders: white-glove onboarding, the highest Coach throughput, custom strategy reviews, and access to every feature we ship first.

Toggle Annual on the pricing card and you pay 12 × (monthly price × 0.8) up front. Same access, same features, same cancel-anytime — but the effective monthly rate drops by a fifth. The toggle is reversible from the customer portal, so you can switch back to monthly at renewal if your usage shifts.

Checkout is handled entirely by Stripe (PCI-DSS Level 1). MoneySmith never sees, stores, or transmits your card number — Stripe issues us a token that we use to charge subscriptions. The same security backbone used by Shopify, Lyft, and OpenAI's billing.