Refund Policy
Last updated: October 4, 2026
This Refund Policy governs all subscription purchases made on the BW Horizons platform, operated by BW International Ltd ("BW Horizons"). By subscribing, you acknowledge and accept these terms in full.
1. No Refund Policy
Except as set out in Section 4A, all fees are non-refundable. This applies to:
- Monthly subscription charges;
- Annual subscription charges;
- Add-on services and one-time purchases;
- Partial billing periods.
BW Horizons is a private, institutional-grade membership platform. Access is granted upon payment and represents a deliberate commitment to platform participation. There is no trial period, satisfaction guarantee, or cooling-off window.
2. Annual Subscriptions
Annual subscriptions are billed in full at the start of the billing period. Subject to Section 4A, they are strictly non-refundable, including early cancellation, reduced usage, or change of business circumstances. You will retain full platform access until the end of the annual period.
3. Monthly Subscriptions
Monthly subscriptions renew automatically. You may cancel at any time through your account settings or the billing portal. Upon cancellation:
- No further charges will be made;
- You retain access to the Platform until the end of the current billing month;
- No refund is issued for the remaining days in the billing period.
4. Tier Upgrades and Downgrades
Upgrades take effect immediately and are charged on a prorated basis for the remaining period. The prorated amount is non-refundable.
Downgrades take effect at the start of the next billing period. No credit or refund is issued for the difference in the current period.
4A. Applications Not Approved
If you pay for a membership and your membership application is not approved, you are entitled to a full refund of the amount you paid.
(a) Payments on our website. We will issue a full refund to your original payment method within five (5) business days of notifying you that your application was not approved, and we will cancel your subscription so that no further payments are taken. The time it takes for the refund to reach your account depends on your bank or card issuer.
(b) Purchases through the Apple App Store. Payments made through the App Store are processed by Apple, and only Apple can issue refunds for them. If your application is not approved, we will notify you in writing and you may request a refund from Apple at reportaproblem.apple.com. To avoid renewal, please also cancel the subscription in your Apple ID settings. We will provide any confirmation that Apple may require to support your request.
(c) This section does not apply where an application is not approved because the information provided was false or misleading.
5. Account Suspension or Termination by BW Horizons
If BW Horizons suspends or terminates your account due to a breach of our Terms of Service, prohibited conduct, or a failed compliance review, no refund will be issued for any remaining subscription period.
In the exceptional case of a termination initiated solely by BW Horizons for reasons unrelated to member conduct (e.g., a decision to discontinue a specific plan), a prorated refund for the unused portion of a prepaid annual subscription may be offered at our sole discretion.
6. Duplicate Charges
If you believe you have been charged in error or a duplicate charge has occurred, contact us at support@bwhorizons.com within 30 days of the charge. We will investigate and, where a billing error is confirmed, issue a full correction or credit.
7. Chargebacks
Initiating a chargeback or payment dispute for a valid subscription charge constitutes a material breach of these Terms. BW Horizons reserves the right to immediately suspend platform access and pursue recovery of disputed funds, including any associated fees.
8. How to Cancel
To cancel your subscription, navigate to Settings → Billing and select "Manage Subscription." This opens the Stripe Customer Portal where you can cancel, update payment methods, or download invoices. Cancellation requests cannot be processed via email.
9. Contact
For billing enquiries, contact us at: support@bwhorizons.com
BW International Ltd, United Kingdom