Billing Policy

Systems Capital

Effective Date: June 16, 2026

1. How Billing Works — Credits

Systems Capital uses a credit-based metered billing model. You are never charged a flat monthly fee. Instead, you pay only for the data you actually load, measured in credits.

One credit equals one data point retrieved from our database. A single row of stock price data contains two columns (date and close price), so one row costs 2 credits. Adding an optional metric column (e.g. Average Return) costs 1 additional credit per row in view.

Revisiting data you have already loaded is always free. We track which calendar-month buckets you have previously been charged for, per symbol. If you view the same date range for the same stock again, we serve it from cache and charge nothing.

2. Pricing

Rate: $0.005 USD per credit (half a cent per data point).
Minimum spend: None.
Billing period: Monthly — charges are totalled and billed at the end of each calendar month.
Currency: USD.

As a reference: loading a default 3-month stock price view consumes approximately 126 credits (~$0.63). Months where you only re-view already-cached data cost $0.00.

3. Free Allowances (Rolling 30-Day Window)

Every user receives a free credit allowance, tracked on a rolling 30-day basis:

Free allowances reset every 30 days from your first visit within that window.

4. Adding a Payment Method

To continue loading data beyond your free allowance, you must add a valid payment method via our secure Stripe checkout. No charge is made at the time of adding your card — you are only billed for data you have loaded during that billing period.

By adding a payment method, you authorise Systems Capital to charge your card on file at the end of each monthly billing period for any credits consumed beyond the free allowance.

5. Payment Methods

We accept credit and debit cards (Visa, Mastercard, American Express, Discover) via Stripe. Your payment details are processed and stored securely by Stripe. Systems Capital does not store your card number or CVV on our servers.

6. Billing Cycle and Invoicing

Your credit usage is tallied at the end of each calendar month. Stripe issues an invoice and automatically charges your payment method on file. Invoices are accessible at any time via the Manage Billing link in your account or on the pricing page.

7. How to Cancel

You may cancel at any time with no penalty. To cancel:

Cancellation takes effect immediately. You will not be billed again after cancellation. Any credits already consumed in the current billing period remain due at month-end; no new charges occur after that.

8. Failed Payments

If your payment method is declined, Stripe will automatically retry the charge. If the charge cannot be processed, your access to metered data will be paused until the balance is resolved. You may update your payment method at any time via the Billing Portal.

9. Refund Policy

Because each credit represents a real database query already served, Systems Capital does not offer refunds for credits consumed. If you believe you have been charged in error (e.g. a duplicate charge or system error), contact us at [email protected] within 30 days of the charge. We will investigate and issue a credit or refund at our discretion.

Initiating a chargeback with your card issuer before contacting us may result in suspension of your account and potential recovery of disputed funds through Stripe's dispute process.

10. Price Changes

Systems Capital reserves the right to adjust the per-credit rate at any time. We will provide at least 30 days' notice of any price increase by email and/or by posting a notice on this page. Continued use of our services after the effective date of a price change constitutes acceptance.

11. Taxes

Applicable sales tax, VAT, or other taxes may be added to your invoice depending on your jurisdiction. You are responsible for any taxes associated with your use of our services.

12. Billing Disputes

Questions about a charge? Email [email protected] with your account email and a description of the issue. We respond to billing inquiries within 2 business days.

13. Developer API

A programmatic API with key-based authentication is in development. When available, the same credit model will apply — $$0.005 per data point, billed monthly, with no minimum spend.

14. Contact

For all billing questions: [email protected]. We aim to respond within 2 business days.

Last updated: June 16, 2026