Subscription & Billing Policy

Subscription & Billing Policy

Effective Date: 01 October 2026 Version: 1.0 Product: ChequePilot Provider: DesignMUSTER Technologies Territory: Worldwide

1. Purpose

This Subscription & Billing Policy explains the rules governing ChequePilot subscription plans, billing cycles, renewals, payments, upgrades, downgrades, failed payments, taxes, pricing changes, and related billing matters.

This Policy forms part of the agreement between the customer and DesignMUSTER Technologies for use of ChequePilot.

2. Subscription Plans

ChequePilot may offer subscription plans including:

• Free
• Pro
• Advanced
• Other plans introduced in the future

Each plan may provide different features, usage limits, permissions, service levels, or access rights.

The current features, limits, prices, and billing intervals displayed within ChequePilot or on the official ChequePilot website at the time of purchase form part of the applicable subscription arrangement.

3. Free Plan

The Free plan may be available without a recurring subscription charge.

The Free plan may include limits relating to:

• Number of users
• Bank accounts
• Cheque templates
• Monthly cheque usage
• Printer profiles
• Batch Import
• Advanced features
• Administrative functionality
• Other plan-specific features

DesignMUSTER Technologies may modify Free-plan limits or functionality from time to time, subject to applicable law and any express commitments already made to users.

4. Paid Plans

Paid plans may include enhanced limits and functionality.

Examples may include:

• Increased user limits
• Additional bank accounts
• Additional cheque templates
• Higher cheque volume
• Additional printer profiles
• Batch Import
• Advanced administrative features
• Additional reporting
• Other paid functionality

The exact features available are determined by the active subscription plan.

5. Current Approved Pricing

ChequePilot may currently display plans such as:

Free: USD 0

Pro: USD 9.99 per month USD 99 per year

Advanced: USD 19.99 per month USD 199 per year

Where prices shown in the application, website, checkout page, invoice, or payment processor differ because of an authorized later pricing update, the price displayed at the time of purchase or renewal will apply.

6. Currency

Subscription prices may be displayed and charged in supported currencies.

Unless otherwise stated, the primary listed pricing may be displayed in United States Dollars (USD).

The final amount charged may be affected by:

• Customer location
• Supported payment currency
• Taxes
• Payment-provider rules
• Currency conversion
• Card-network exchange rates
• Bank charges

7. Monthly Billing

Where a customer selects a monthly subscription, the subscription is normally billed once per billing month.

The billing date may be based on the date the subscription begins or another billing date displayed during checkout.

The subscription continues until cancelled or otherwise terminated.

8. Annual Billing

Where a customer selects an annual subscription, the subscription is normally billed once per annual billing period.

Annual pricing may provide a lower effective monthly cost than monthly billing.

The full annual amount may be charged at the beginning of the annual billing period unless otherwise stated.

9. Automatic Renewal

Paid subscriptions may automatically renew at the end of each billing period unless cancelled before the renewal date.

By purchasing an auto-renewing subscription, the customer authorizes the applicable payment method to be charged for future renewal amounts, subject to applicable law and payment-provider requirements.

10. Renewal Date

The renewal date may be shown in the ChequePilot billing or subscription interface.

Customers are responsible for reviewing their subscription status and cancelling before renewal if they do not wish to continue.

11. Cancellation Before Renewal

A customer may cancel an auto-renewing subscription before the next renewal date.

Cancellation normally prevents future renewal.

Unless otherwise required by law or expressly stated, cancellation does not automatically provide a refund for a billing period that has already started or been paid.

12. 7-Day Money-Back Guarantee

Eligible first-time paid ChequePilot subscriptions are subject to the separate Refund & Cancellation Policy and its 7-Day Money-Back Guarantee.

The customer should review that Policy for eligibility requirements, deadlines, exclusions, and refund procedures.

13. Payment Processing

ChequePilot may use third-party payment processors such as Stripe.

Payment processors may handle:

• Card information
• Payment authorization
• Payment settlement
• Refunds
• Subscription billing
• Payment-method updates
• Fraud checks
• Transaction records

DesignMUSTER Technologies may receive limited payment and subscription information necessary to manage the customer account.

14. Payment Authorization

By submitting a payment method, the customer represents that:

• The customer is authorized to use the payment method
• The billing information is accurate
• The payment method may be charged for authorized subscription fees
• Automatic renewal charges may be processed where applicable

15. Payment Methods

Supported payment methods may vary by:

• Country
• Currency
• Payment processor
• Card network
• Customer account
• Regulatory requirements

ChequePilot does not guarantee that every payment method will always be available.

16. Failed Payments

If a payment fails, DesignMUSTER Technologies may take reasonable actions including:

• Retrying payment
• Requesting updated payment details
• Sending payment notifications
• Restricting paid functionality
• Applying a temporary grace period
• Downgrading the workspace
• Suspending paid features
• Cancelling the subscription

Any such action will remain subject to applicable law and any active contractual commitments.

17. Payment Retry

The payment processor may automatically retry a failed payment.

The number and timing of retry attempts may depend on payment-provider settings and applicable billing rules.

18. Grace Period

DesignMUSTER Technologies may provide a temporary grace period following a failed payment.

A grace period is not guaranteed unless expressly stated.

During a grace period, paid functionality may remain available or may be partially restricted.

19. Downgrade After Failed Payment

Where a paid subscription cannot be successfully renewed, the account may be downgraded to the Free plan or another available plan.

After downgrade, the account may become subject to lower limits.

Data exceeding the new plan limits will be handled according to ChequePilot's product rules and applicable law.

20. Feature Access After Downgrade

Following a downgrade, certain paid features may become unavailable.

This may include:

• Batch Import
• Additional users
• Additional bank accounts
• Additional templates
• Higher cheque limits
• Additional printer profiles
• Advanced functionality

DesignMUSTER Technologies may restrict creation of new items above the applicable plan limits while preserving existing information where reasonably possible.

21. Account Data After Subscription End

Ending or downgrading a subscription does not automatically mean that all customer data will immediately be deleted.

Retention and deletion are governed by:

• Privacy Policy
• Product rules
• Data-retention requirements
• Applicable law
• Backup schedules
• Customer account status

22. Upgrades

Customers may upgrade to a higher plan where available.

An upgrade may take effect:

• Immediately
• At the next billing cycle
• On another date shown during the upgrade process

The billing treatment will be displayed or determined according to the applicable product and payment configuration.

23. Upgrade Charges

An upgrade may result in:

• Immediate payment
• Prorated charge
• Credit for unused paid time
• New billing date
• New billing interval

The payment treatment shown during upgrade confirmation will apply, subject to applicable law.

24. Downgrades

Customers may request or select a lower subscription plan where supported.

A downgrade may take effect:

• Immediately
• At the end of the current billing period
• At another displayed effective date

25. Downgrade Limits

Before downgrading, customers should review whether their current usage exceeds the lower plan's limits.

Lower plan limits may affect:

• Team members
• Bank accounts
• Templates
• Cheque volume
• Printer profiles
• Batch Import
• Other paid functionality

26. Existing Data Above Lower Plan Limits

Where existing data exceeds a new lower plan limit, ChequePilot may:

• Preserve existing records
• Prevent creation of additional records
• Restrict certain editing operations
• Require the user to reduce usage
• Apply another reasonable limitation shown by the product

DesignMUSTER Technologies should not silently delete business-critical customer data merely because a plan was downgraded unless necessary, expressly disclosed, or legally permitted.

27. Proration

Where supported, subscription changes may be prorated.

Proration may depend on:

• Existing plan
• New plan
• Remaining billing period
• Payment-provider configuration
• Billing interval
• Taxes
• Credits

The amount calculated by the billing system at the time of change will apply unless an error is confirmed.

28. Subscription Credits

Credits may arise from:

• Plan changes
• Promotions
• Billing corrections
• Service adjustments
• Referral programs
• Customer-support resolutions

Credits may be subject to separate conditions.

Unless expressly stated, credits:

• Are not cash
• May not be transferable
• May expire
• May only be used for ChequePilot charges

Mandatory legal rights remain unaffected.

29. Promotional Pricing

ChequePilot may offer:

• Discounts
• Coupons
• Introductory pricing
• Referral benefits
• Trial offers
• Promotional subscriptions

Promotions may include:

• Eligibility requirements
• Expiration dates
• Usage limits
• Plan restrictions
• Customer restrictions
• Redemption limits

30. Promotional Renewal

Unless expressly stated, a promotional price may apply only for the promotional period.

After the promotional period, the subscription may renew at the then-applicable standard price.

The relevant offer terms or checkout information should be reviewed before purchase.

31. Trials

ChequePilot may offer trial periods.

Trial duration may vary, including periods such as:

• 7 days
• 14 days
• 30 days
• Other periods configured by DesignMUSTER Technologies

The actual trial period displayed to the customer at activation will apply.

32. Trial Eligibility

Trial access may be limited to eligible customers.

DesignMUSTER Technologies may restrict repeated trials associated with:

• Same customer
• Same company
• Same workspace
• Same payment method
• Same email
• Related accounts
• Other fraud-prevention indicators

Any restriction will be subject to applicable law.

33. Trial Conversion

Where a trial is configured to convert into a paid subscription, customers will be informed according to the applicable checkout or trial process.

If payment information is required, the customer may be charged when the trial ends unless cancelled before the applicable deadline.

34. Trial Expiration

When a trial expires without a paid subscription, the workspace may:

• Move to the Free plan
• Lose access to paid features
• Become subject to Free-plan limits
• Have certain functionality restricted

Existing data will be handled according to ChequePilot's product and retention rules.

35. Taxes

Subscription charges may be subject to taxes, including:

• Value Added Tax
• Sales tax
• Goods and Services Tax
• Digital services tax
• Other applicable taxes

Tax treatment depends on:

• Customer location
• Billing address
• Applicable jurisdiction
• Customer tax status
• Local law

36. Customer Tax Information

Business customers may be asked to provide:

• Legal company name
• Billing address
• Tax registration number
• VAT number
• Other business information

Customers are responsible for providing accurate tax information.

37. Tax Exemptions

Where a customer claims a tax exemption, DesignMUSTER Technologies may require valid supporting documentation.

Tax-exempt status will only be applied where legally and operationally supported.

38. Invoices and Receipts

ChequePilot or its payment provider may issue:

• Payment receipts
• Invoices
• Subscription confirmations
• Renewal confirmations
• Refund confirmations

Customers should retain copies required for their accounting and tax records.

39. Invoice Accuracy

Customers should review billing documents and notify DesignMUSTER Technologies promptly if they believe an invoice or payment contains an error.

40. Billing Information

Customers are responsible for keeping billing information accurate and current.

This may include:

• Name
• Company
• Address
• Tax details
• Email
• Payment method

41. Payment Method Updates

Customers may be required to update payment information where:

• A card expires
• A bank declines payment
• The payment method becomes invalid
• The processor requires reauthorization
• Regulatory requirements change

42. Card Expiry

A subscription may fail to renew where the associated payment method has expired or become invalid.

Customers are responsible for maintaining a valid payment method where required.

43. Payment Security

Payment-card details may be handled directly by the payment processor.

Customers should never send:

• Full card numbers
• CVV or security codes
• Online-banking passwords
• PINs

through ordinary ChequePilot support messages or unrelated application fields.

44. Billing Currency

The currency charged will be shown during checkout or billing.

Where payment is processed in a currency different from the customer's bank-account currency, the customer's bank or payment provider may perform currency conversion.

45. Foreign Exchange Fees

Banks and card providers may charge:

• Foreign transaction fees
• Exchange-rate margins
• Conversion charges

Such third-party charges are outside DesignMUSTER Technologies' control.

46. Pricing Errors

If a material pricing or billing error occurs because of a system or administrative mistake, DesignMUSTER Technologies may take reasonable steps to correct it.

This may include:

• Correcting the displayed price
• Correcting an invoice
• Refunding an incorrect charge
• Cancelling an erroneous transaction
• Contacting the customer before proceeding

Mandatory rights remain unaffected.

47. Price Changes

DesignMUSTER Technologies may change ChequePilot pricing from time to time.

A new price may apply to:

• New subscriptions immediately
• Existing subscriptions at a later renewal
• Another date specified in advance

Where applicable law requires notice, reasonable notice will be provided.

48. Material Subscription Changes

Where a material change significantly affects an existing paid subscription, DesignMUSTER Technologies may provide notice or other remedies where required by applicable law.

49. Billing Disputes

Customers who believe a billing error occurred should contact DesignMUSTER Technologies promptly.

The customer should provide sufficient information to identify:

• Account
• Workspace
• Payment
• Invoice
• Date
• Amount
• Nature of the dispute

50. Chargebacks

Customers are encouraged to contact DesignMUSTER Technologies before initiating a chargeback where the issue may be resolved directly.

If a chargeback is initiated, DesignMUSTER Technologies may provide relevant transaction, account, and subscription records to the payment provider.

51. Unauthorized Transactions

Customers who suspect an unauthorized transaction should notify:

• DesignMUSTER Technologies
• Their bank or card issuer
• The payment provider where appropriate

Responsibility will be determined according to applicable law and the circumstances of the transaction.

52. Fraud Prevention

DesignMUSTER Technologies may use reasonable measures to identify and prevent:

• Payment fraud
• Refund abuse
• Trial abuse
• Subscription abuse
• Promotional abuse
• Unauthorized account activity

53. Account Restrictions

Where billing fraud, serious abuse, or security risk is reasonably suspected, DesignMUSTER Technologies may temporarily restrict the account while the matter is investigated.

54. Platform Admin and Staff Actions

Authorized DesignMUSTER Technologies administrators may manage subscription or billing states where necessary for:

• Customer support
• Billing correction
• Fraud response
• Testing
• Administrative management
• Legal requirements

Administrative changes should be subject to appropriate access controls and audit practices.

55. No Guarantee of Permanent Pricing

Subscription pricing may change over time.

Unless DesignMUSTER Technologies expressly provides a fixed-price commitment, a customer's current price does not create a perpetual right to the same price indefinitely.

56. Legacy Plans

DesignMUSTER Technologies may retain, discontinue, migrate, or replace legacy subscription plans.

Existing customers may be:

• Allowed to remain on a legacy plan
• Migrated to another plan
• Offered transition options
• Given notice where required

57. Feature Availability

Certain features may only be available on specified plans.

Examples may include:

• Batch Import
• Increased users
• Increased bank accounts
• Increased templates
• Increased monthly cheque volumes
• Increased printer profiles
• Advanced features

Feature entitlement is determined by the active plan and the current ChequePilot subscription configuration.

58. Usage Limits

Usage limits may be enforced automatically by ChequePilot.

Where a limit is reached, the user may be required to:

• Upgrade
• Wait until a usage period resets
• Remove or reduce applicable usage
• Take another action allowed by the Service

59. Unlimited Features

Where a plan describes a feature as "Unlimited," this generally means that the specific plan feature is not subject to a stated numerical subscription limit.

Unlimited use remains subject to:

• Acceptable Use requirements
• System security
• Technical constraints
• Fair and lawful use
• Anti-abuse controls

Unlimited does not authorize abusive or unlawful use of the Service.

60. Subscription Status

Subscription status may include states such as:

• Active
• Trialing
• Past Due
• Cancelled
• Suspended
• Expired
• Other payment-provider or product states

The functionality available to the user may depend on the subscription status.

61. Past-Due Accounts

A Past Due subscription may have limited access.

DesignMUSTER Technologies may provide a reasonable opportunity to resolve payment where appropriate.

62. Suspended Accounts

Where an account is suspended, subscription billing treatment may depend on the reason for suspension and applicable law.

Suspension does not automatically create a refund.

63. Account Termination

Termination of an account does not automatically result in a refund.

Refund eligibility remains governed by:

• Refund & Cancellation Policy
• Applicable law
• Specific circumstances
• Any written agreement

64. Service Discontinuation

If DesignMUSTER Technologies permanently discontinues a paid ChequePilot service before the end of a prepaid service period, it may provide an appropriate remedy where required, including a possible prorated refund or service alternative.

65. Temporary Service Interruption

Temporary outages do not automatically create billing credits or refunds unless:

• Required by law
• Required by an applicable service commitment
• Expressly approved by DesignMUSTER Technologies

66. Customer Responsibility for Subscription Selection

Customers are responsible for selecting a plan that meets their business requirements.

DesignMUSTER Technologies may provide information about plan features, but the customer remains responsible for reviewing:

• Limits
• Features
• Pricing
• Billing interval
• Suitability

before purchasing.

67. Printing Results Are Not a Billing Guarantee

A customer's printing error, incorrect printer setup, template error, alignment issue, or user configuration mistake does not automatically make the subscription fee refundable.

Such matters are governed by the Printing & Cheque Use Disclaimer and the Refund & Cancellation Policy.

68. Customer Equipment

Subscription charges do not include customer equipment or third-party costs such as:

• Printer
• Computer
• Internet access
• Cheque stock
• Paper
• Printer toner or ink
• Bank fees
• Operating-system costs
• Third-party software

unless expressly stated.

69. Support

Support availability may vary by:

• Plan
• Account
• Region
• Product stage
• Support channel

Subscription fees do not necessarily guarantee immediate or uninterrupted human support unless expressly included in the plan.

70. Communications

DesignMUSTER Technologies may send subscription-related communications including:

• Trial notices
• Payment confirmations
• Failed-payment notices
• Renewal notices
• Cancellation confirmations
• Refund confirmations
• Plan-change notices
• Material billing updates

71. Email Delivery

DesignMUSTER Technologies cannot guarantee that every email will be delivered because email delivery may depend on:

• Customer mailbox
• Spam filters
• Email provider
• Domain configuration
• Network conditions

Customers should also review subscription status within ChequePilot.

72. Electronic Billing Records

ChequePilot may retain electronic billing records including:

• Subscription plan
• Billing interval
• Payment-provider customer ID
• Subscription ID
• Invoice references
• Payment status
• Refund records
• Cancellation date
• Trial dates
• Plan changes

These records may be used for accounting, security, customer support, legal, and audit purposes.

73. Data Protection

Billing and subscription information is processed according to the Privacy Policy.

Payment providers may independently process payment data according to their own privacy policies.

74. Worldwide Billing

ChequePilot may serve customers in multiple countries.

Payment availability, taxes, currencies, billing methods, and legal requirements may vary by location.

75. Mandatory Local Law

Where applicable local law provides billing, cancellation, refund, renewal, tax, or consumer rights that cannot legally be excluded, those mandatory rights will apply.

76. Business Customers

Business customers are responsible for ensuring that persons purchasing, changing, cancelling, or managing a subscription have sufficient authority to act for the organization.

77. Workspace Owner Responsibility

The workspace owner or authorized billing administrator is responsible for:

• Selecting subscriptions
• Managing renewals
• Managing payment methods
• Reviewing invoices
• Managing plan changes
• Controlling billing access

78. Disputed Authority

If DesignMUSTER Technologies receives conflicting instructions from users claiming authority over an account or workspace, it may temporarily restrict billing changes while ownership or authority is verified.

79. Relationship With Other Policies

This Subscription & Billing Policy should be read together with:

• Terms of Service
• Privacy Policy
• Refund & Cancellation Policy
• Printing & Cheque Use Disclaimer

Where a conflict exists, applicable mandatory law takes priority.

80. Policy Updates

DesignMUSTER Technologies may update this Policy because of:

• Pricing changes
• Billing-system changes
• Payment-provider changes
• Product changes
• New subscription models
• Tax requirements
• Legal requirements
• Security requirements

An updated version will include a new effective date or version number.

81. Acceptance of Updated Policy

Where required by applicable law or the nature of a material change, customers may be required to accept an updated version before continuing to use paid services.

82. Severability

If any provision of this Policy is found invalid or unenforceable, the remaining provisions continue to apply to the maximum extent permitted by law.

83. No Waiver

Failure to enforce a billing or subscription right immediately does not constitute a permanent waiver of that right.

84. Governing Framework

This Policy is intended for worldwide use.

Unless mandatory local law requires otherwise, contractual billing matters relating to DesignMUSTER Technologies may be governed by the applicable laws of the United Arab Emirates.

Mandatory rights in the customer's jurisdiction remain unaffected where they cannot lawfully be excluded.

85. Contact

ChequePilot DesignMUSTER Technologies

For billing, subscription, payment, cancellation, invoice, plan, or related enquiries, please use the official contact information published on the ChequePilot website.

END OF SUBSCRIPTION & BILLING POLICY