Question 1

What does 'one-time payment' mean?

Accepted Answer

A one-time payment means exactly what it sounds like: you pay $99 once, and Family Loan Tracker is yours for as long as you use it, with no recurring charges and no subscription to remember to cancel. That single payment includes every feature the software offers today plus every feature added in the future, so you're not locked out of improvements down the line the way some "lifetime" deals restrict you to an older version. It also includes ongoing support, so if you run into a question about how a calculation works or how to set up a specific loan, you can still reach out after your purchase. Compared to the $6.99 monthly plan, the one-time payment breaks even in well under a year for most families, and since family loans often run for several years, most people end up paying substantially less overall by choosing lifetime access up front.

Question 2

Does everyone in my family need their own license?

Accepted Answer

No. Only the person who sets up the loans needs a license. When you invite the other party to a loan, whether that's the lender or the borrower, they create a free account and get full access to that loan: the payment schedule, the complete history, the charts, reminders and PDF exports. They are never asked to pay and never see an upgrade prompt, because your license covers everyone you invite. A parent lending to three children needs one license, not four. The only reason someone else would need a license of their own is if they want to set up and manage loans that are entirely separate from yours.

Question 3

Can I switch from monthly to lifetime?

Accepted Answer

Yes! If you're on a monthly subscription, you can upgrade to lifetime at any time. Your subscription will be canceled automatically, and you'll have permanent access with no recurring payments.

Question 4

Do you offer refunds?

Accepted Answer

Yes. If Family Loan Tracker turns out not to be the right fit, contact us within 30 days of your purchase and we'll process a full refund, no detailed justification required beyond letting us know it didn't work for you. Refunds are typically processed within 5 to 7 business days once we confirm the request, using the same payment method you originally used to pay. This applies to both the one-time lifetime payment and the monthly subscription, so trying the lifetime plan doesn't carry more risk than trying the monthly one. After the 30-day window, the lifetime payment is non-refundable, since it's priced as a one-time purchase rather than a recurring charge, while the monthly plan can simply be cancelled going forward at any time from your account settings, stopping future charges immediately.

Question 5

How does early supporter pricing work?

Accepted Answer

Certain early users may be eligible for special pricing. This offer is limited time only and the regular price will increase.

Feature	Lifetime	Monthly
Price	$99 One-time payment	$6.99/mo
Cost after 1 year	$99	$83.88
Cost after 2 years	$99	$167.76
Billing	One-time payment	Recurring monthly
Updates & Support	Included	Included
Customer Support	Included	Included
Cancellation	N/A	Cancel anytime
Best for	Long-term use, maximum savings	Trying out, short-term needs

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