Refund Policy
Effective [DATE — set at launch]
Draft pending legal review. This document is a plain-English draft provided for transparency and is being reviewed by counsel. It is not legal advice.
Here is how payments and refunds work at Pancho Health.
1. Pancho Is Currently Free
During our friends-and-family period, Pancho is free to use. There is nothing to refund because there is nothing to pay. Reviewing your bills, drafting letters, and disputing charges yourself are free.
2. If We Introduce a Savings-Based Fee
If we offer a savings-based service in the future, our fee would be a percentage of the amount you actually save on a bill, disclosed to you in advance. If you do not save, you do not owe that fee. We would only charge after a saving is confirmed.
3. Charged in Error
If you are ever charged in error — for example, a fee calculated on a saving that did not actually happen, or a duplicate charge — we will refund it in full. Just contact us and we will make it right.
4. How to Request a Refund
Email support@panchohealth.com from the address on your account, describe the charge, and include any relevant details. We aim to respond within a few business days and to process approved refunds promptly to your original payment method.
5. Changes to This Policy
We may update this Refund Policy when we introduce paid features. Any paid feature will show its price and refund terms clearly before you are charged. The “Effective” date above shows the current version.
Questions? Contact us at support@panchohealth.com.