1. No Refunds

Except where required by applicable law, AFI does not provide refunds, prorated refunds, credits, or exchanges for membership fees, subscription payments, annual plans, lifetime or non-recurring access, digital products, donations or support payments where applicable, downloadable content, early-access content, data access, or other paid Services after a purchase is completed.

A user's failure to use a paid Service, change of mind, dissatisfaction with political analysis or editorial content, disagreement with a rating, forecast, endorsement, scorecard, polling result, or other AFI opinion, or failure to cancel before a renewal date does not by itself create a right to a refund.

2. Subscription Cancellation

Canceling a recurring subscription prevents future renewals once the cancellation becomes effective. Unless applicable law requires otherwise, cancellation does not refund or prorate any part of the current billing period. You may continue to receive the applicable paid access through the end of the paid period, unless access is terminated for violation of the Terms & Conditions or another lawful reason.

3. Annual Plans

Annual plans are charged for the full stated term. Except where required by law, canceling during an annual term does not entitle you to a refund for unused months or days. Cancellation instead prevents the next automatic renewal, if the plan is set to renew automatically.

4. Lifetime and Non-Recurring Purchases

Lifetime, one-time, or other non-recurring purchases are final and non-refundable except where required by law. "Lifetime" refers to the lifetime of the applicable AFI product or service as described in the Terms & Conditions and is not a guarantee that a particular product, feature, or service will exist indefinitely.

5. Digital Content and Downloads

Because digital content, premium data, downloads, early-access materials, and similar benefits may be delivered or made available immediately, purchases granting such access are final and non-refundable except where applicable law requires otherwise.

6. Duplicate or Erroneous Charges

If you believe AFI charged you more than once for the same transaction, charged an incorrect amount, or charged you because of a verifiable billing error, contact us promptly. AFI may investigate and, when appropriate, reverse an erroneous or duplicate charge. Correcting a billing error is not a waiver of this Refund Policy.

7. Exceptional Circumstances

AFI may, in its sole discretion, issue a refund, partial refund, or account credit in an exceptional circumstance. A discretionary refund or credit in one instance does not create an obligation to provide the same remedy in another instance and does not modify this Policy.

8. Chargebacks and Payment Disputes

If you believe a charge is incorrect, we encourage you to contact AFI before initiating a payment dispute so we can review the transaction. AFI may suspend or restrict accounts associated with fraudulent, abusive, or demonstrably improper chargebacks, subject to applicable law and payment-network rules.

Nothing in this section limits any non-waivable right you have under applicable law or the rules governing your payment method.

9. Where Law Requires a Refund

Nothing in this Refund Policy eliminates rights that cannot lawfully be waived. If applicable law requires AFI to provide a refund, cancellation right, rescission period, or other remedy in a particular circumstance, AFI will comply with that requirement.

10. Contact About Billing