Privacy and legal
Billing and subscription terms
These terms explain how myBenefitProtector subscriptions, payments, and usage allowances work. Our Refund and Cancellation Policy also applies.
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1. Subscription plans
| Plan | Price | Billing frequency |
|---|---|---|
| Monthly | $4.99 USD | Once per month |
| Annual | $49.99 USD | Once per year |
The annual plan is equivalent to approximately $4.17 per month, but the full $49.99 is charged upfront.
Any applicable taxes are shown before you complete your purchase.
2. Included monthly allowances
Both plans include:
- 50 answered questions.
- 1 successful BPQY scan.
- 10 successful paystub scans.
Document scans have separate allowances and do not also count as questions.
Annual subscribers receive these allowances each month. Across twelve monthly periods, this provides up to 600 answered questions, 12 BPQY scans, and 120 paystub scans. The entire annual allowance is not available upfront.
3. When allowances reset
Your monthly allowances begin when your paid subscription starts and refresh on its monthly anniversary.
If that date does not exist in a particular month, the reset occurs on the last day of that month. Your account displays your next reset date.
Unused allowances do not roll over, have no cash value, and cannot be transferred to another account.
4. What counts against your allowance
A question counts when we successfully deliver and save a usable AI answer to your submitted request.
A scan counts when we successfully process one BPQY or paystub document and save a usable extraction result. A document may contain multiple pages, subject to the file-size and page limits displayed before scanning.
Successful processing does not guarantee that an AI answer or extracted information is error-free. You should review results against your original documents.
5. Failures, corrections, and regenerations
The following do not reduce your allowance:
- Failed or interrupted requests that produce no usable result.
- Automatic retries after a processing failure.
- Requests from the assistant for information needed to answer your question.
- Corrections to extraction mistakes from the same scanned document.
Each answered question includes one free regeneration of the same answer. Further successful regenerations count as additional answered questions. A new question or a request based on changed information also counts when successfully answered.
Automatic retries are limited. If processing remains unsuccessful, we return an error without reducing your allowance. Reasonable rate limits may temporarily restrict repeated requests.
6. Reaching your allowance
When you use all the allowance in a category, new requests in that category pause until your next monthly reset.
Your other available allowances remain usable, and previously saved answers and scan results remain accessible.
We do not automatically charge overage fees. Any separately offered additional usage requires your approval before purchase.
7. Automatic renewal
Subscriptions renew automatically unless cancelled before the next renewal charge:
- Monthly subscriptions renew each month.
- Annual subscriptions renew each year.
By subscribing, you authorize recurring charges to your selected payment method at the price disclosed at checkout, plus applicable taxes.
We provide a purchase confirmation and send an email reminder before annual renewal showing the renewal date, price, and how to cancel.
8. Cancellation
You can cancel through your account’s billing settings at any time.
Cancellation stops future renewals. You retain paid access until the end of your current paid subscription period unless a refund ends access earlier.
We provide confirmation showing when your subscription will end. Cancellation does not automatically request or issue a refund.
If you cannot access the cancellation controls, contact customer support for help.
9. Refunds
You may request a full refund within seven calendar days of your first subscription purchase. This applies to monthly and annual plans, but not renewals or later purchases.
After that window, we generally do not refund unused subscription time, questions, or scans.
We refund duplicate charges, confirmed billing errors, and charges for a service we are unable to provide. Our Refund and Cancellation Policy explains the full process.
Refund and cancellation policy10. Failed payments
If a payment fails, we notify you and may retry collection through our payment processor.
New paid questions and scans may be paused until payment succeeds. You can update your payment method through your account’s billing settings.
Payment retries do not create additional subscriptions or extra usage allowances.
11. Switching plans
Changes between monthly and annual billing take effect at the end of your current paid subscription period.
Before you confirm a change, we show the new price and effective date. Your current plan remains active until then.
Changing plans does not provide an additional allowance reset or duplicate subscription charge.
12. Price changes
We notify you in advance of subscription price changes, including any notice required by applicable law.
A price change does not increase the amount already paid for your current subscription period. You may cancel before the new price takes effect.
13. Billing support and your rights
For billing questions, incorrect usage counts, cancellation assistance, or refund requests, contact:
support@mybenefitprotector.comInclude your account email and, if available, your receipt number. Do not send your full payment card details.
Nothing in these terms limits your rights under applicable law.
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