> ## Documentation Index
> Fetch the complete documentation index at: https://docs.marketmaven.com.au/llms.txt
> Use this file to discover all available pages before exploring further.

# Billing and Subscriptions

> Understand Market Maven's billing, payment options, and subscription management

# Billing and Subscriptions

Market Maven billing is managed through Stripe for individual and team subscriptions.

## Subscription Plans

### Market-Based Pricing

Our pricing structure is based on the markets you need access to:

**Single Market Plans:**

* **Superannuation Only:** Focus on the super sector
* **Life Insurance Only:** Dedicated life insurance insights
* **Financial Advice Only:** Adviser and licensee analytics

**Multi-Market Plans:**

* **All Markets:** Complete access to all three sectors
* **Individual or Team:** Plans are available for individuals and organisations

### Plan Features

All plans include:

* **Interactive Reports:** Market reports for your selected access
* **AI-Powered Q\&A:** Market-specific natural language Q\&A reports
* **Report Personalisation:** Saved views and favourite reports
* **Data Export:** Summarised visual data export where supported
* **Customer Support:** Email support

## Billing Options

### Payment Frequencies

Choose the billing cycle that works for your business:

**Monthly Billing:**

* Pay month-to-month with no long-term commitment
* Full flexibility to upgrade, downgrade, or cancel
* Ideal for project-based or seasonal usage

**Annual Billing:**

* Save with upfront annual payment
* Typically 15-20% discount compared to monthly
* Budget-friendly for consistent long-term usage

### Payment Methods

Self-serve plans are processed by Stripe:

* Visa, Mastercard, American Express
* Automatic renewal and easy management
* Secure processing through Stripe

## Billing Management

### Subscription Changes

Modify your subscription anytime:

**Adding Markets:**

* Complete the plan change through Stripe
* Access updates after the subscription sync completes
* Existing market access remains available while the change is processed

**Removing Markets:**

* Changes take effect at next billing cycle
* Credit applied to future payments
* Data access continues until cycle end

**Plan Upgrades/Downgrades:**

* New access becomes available after checkout or portal confirmation
* Billing adjustments are handled by Stripe
* Plan changes can apply immediately or at renewal depending on the billing portal action

### Invoice and Payment History

Track your account finances:

* **Invoice Downloads:** PDF invoices for all payments
* **Payment History:** Complete transaction records
* **Tax Information:** GST details for Australian businesses

### Failed Payments and Renewals

If payment issues occur:

1. **Automatic Retry:** We retry failed payments several times
2. **Email Notifications:** Alerts about payment problems
3. **Grace Period:** Continued access during resolution
4. **Account Suspension:** After extended non-payment
5. **Reactivation:** Simple process once payment is resolved

## Pricing Transparency

### No Hidden Fees

Our pricing is straightforward:

* **No Setup Fees:** Start using after checkout and access sync
* **No Usage Charges:** No per-query platform charges
* **No Export Fees:** Export supported visual data without an extra export fee
* **Clear Market Access:** Plans map to single-market or multi-market access

### Enterprise Pricing

For large organizations:

* **Team Plans:** Organisation-based access for groups
* **Market Coverage:** Single-market or all-market plan options
* **Support:** Contact us for onboarding and account requirements

## Refunds and Cancellations

### Money-Back Guarantee

Contact support for cancellation, refund, or trial-extension questions. Refund eligibility depends on your subscription terms and the circumstances of the request.

### Cancellation Process

Manage or cancel your subscription through the billing portal:

1. **Self-Service:** Open account or organisation billing
2. **Billing Portal:** Manage the subscription in Stripe
3. **Access Changes:** Access usually continues until the end of the paid billing period unless otherwise arranged
4. **Support:** Contact support if you need help with cancellation or account closure

### Data Retention

After cancellation:

* **Account Access:** Your account remains available unless you request deletion
* **Saved Views:** Personal saved views remain tied to your account while retained
* **Reactivation:** Subscribe again to restore market access

## Support

### Billing Support

Get help with billing questions:

* **Email Support:** [support@marketmaven.com.au](mailto:support@marketmaven.com.au)
* **Help Documentation:** Self-service billing guides

### Account Recovery

If you encounter access issues:

* **Password Reset:** Automated password recovery
* **Account Lockout:** Support team assistance
* **Payment Updates:** Secure methods to update payment information
* **Subscription Restoration:** Quick reactivation after payment resolution

<Info>
  All billing is processed securely using industry-standard encryption and
  payment processing partners. Your financial information is never stored on our
  servers.
</Info>

<Warning>
  To avoid service interruption, ensure your payment method is current and has
  sufficient funds available for renewal dates.
</Warning>