Internal Dispute & Refund Policy

SPIKE Options LLC maintains an enterprise-grade cloud infrastructure to power our algorithmic execution engines and the Oculus AI builder. Because our systems instantaneously allocate dedicated server space, network bandwidth, and API routing pathways the moment an account is activated or upgraded, we strictly enforce the following Internal Dispute and Refund Policy.

1. Subscription Fee Commitments

All monthly platform access allocations—including the standard flat execution subscription plans (JOLT, SURGE, MAX) and any tiered user seat configurations—are billed in advance on a recurring monthly cycle.

2. On-Demand Token Top-Ups and Add-Ons

Fees paid for custom on-demand Oculus Token Top-Ups, the Financial Advisor (FA) Infrastructure Pack, White Glove Support, or Extra Brokerage Connection setups ($1,000/mo per connection) are immediately spent by our backend infrastructure to expand your capacity.

These infrastructure purchases are considered final at the exact moment the transaction clears. They are entirely ineligible for refunds or credit adjustments, even if the tokens or connections go unutilized by the user.

3. Cancellation Protocol

Users maintain the right to cancel their recurring subscription at any time directly through the billing portal inside the SPIKE platform dashboard. Emailed or verbal requests to cancel do not constitute a formal system cancellation.

Upon initiating a cancellation, your account will not be billed for the subsequent cycle. You will retain full access to your Oculus builder, token balances, and live execution pipelines until the absolute final day of your current paid billing period, at which point all automated loops will be permanently halted.

4. Protocol for Billing Disputes

If you believe a processing discrepancy, duplicate charge, or mathematical error has occurred on your billing statement, you must file a formal complaint with our billing department within fourteen (14) calendar days of the invoice date.

All billing inquiries must be submitted through our official general ticket support channel. SPIKE Options LLC commits to reviewing and responding to all legitimate internal billing inquiries within 3-5 business days.

5. Chargebacks and API Severance

You agree to work collaboratively with our support team to resolve billing queries internally prior to pursuing any third-party payment provider chargeback actions.

• Immediate Account Ban: Initiating an unauthorized chargeback or payment dispute through your bank or credit card provider is considered a direct violation of this agreement and will result in the immediate, permanent termination of your SPIKE account.
• API Kill-Switch Execution: Upon the receipt of a chargeback notification, SPIKE will immediately sever all active API connections to your integrated brokerages to protect the network. All running algorithms will be forcefully aborted.
• Legal Pursuit: SPIKE reserves the right to dispute fraudulent chargebacks vigorously and may pursue collections actions or legal remedies to recover lost funds, provisioning costs, and associated administrative fees.