Payment Policy

This Payment Policy explains how payments, subscriptions, renewals, failed payments, and billing records are handled for InsureCompare paid plans and digital services.

Payment Processing

Payments may be processed by third-party payment providers such as Curlec or Razorpay. We do not store full card numbers, bank account credentials, or complete payment credentials on our application servers. Payment providers may collect and process payment information under their own terms and privacy policies.

Prices, Taxes, and Billing Periods

Prices, included features, billing intervals, taxes, and currency are shown on the pricing or checkout page before payment. Unless stated otherwise, the monthly subscription fee is RM25 and subscription fees are billed in advance for the selected billing period.

We may update plan pricing, limits, or included features from time to time. Pricing changes for existing subscriptions will take effect as stated in the notice, checkout flow, or applicable law.

Eligible referral customers may receive RM10 off their first month, reducing the first payment to RM15. Referral credits earned by existing subscribers may be accumulated and applied up to RM20 per calendar month; unused credits remain available for later months.

Subscriptions and Renewals

If a plan renews automatically, you authorize the payment provider to charge the payment method linked to your subscription at each renewal until cancelled. The actual renewal timing and payment notices may be handled by the payment provider.

Failed, Reversed, or Disputed Payments

If a payment fails, is reversed, is disputed, or is reported as unauthorized, we may suspend, downgrade, or limit paid access until the issue is resolved. We may also record payment events and related provider payloads for reconciliation, fraud prevention, support, and audit purposes.

Cancellation

You may cancel through the in-app billing or account flow. The cancellation must be completed before the next renewal charge is processed. Cancelling stops the next renewal, but the current billing period remains active until its expiry date. Cancelling does not create a refund or prorated credit for the current billing period.

Refunds

We do not offer refunds for subscription payments, unused service time, or paid digital access. This applies whether or not the paid features have been used during the current billing period, subject to any rights that cannot be excluded under applicable law.

AI Top-Ups

AI top-ups for Full Proposals and Client Pitch are optional add-ons. They are charged at purchase, are not refundable once purchased, and are not converted into cash or prorated credits. Unused units remain available while your subscription is active.

Billing Support

For billing questions, contact support@insurecompareapp.com with your account email, payment reference, charge date, and a short description of the issue.