diff --git a/lang/es.json b/lang/es.json
index edbbe9d7..44a5136d 100644
--- a/lang/es.json
+++ b/lang/es.json
@@ -1,6 +1,16 @@
 {
     "This subscription is no longer eligible for a self-service refund.": "Esta suscripción ya no es elegible para una devolución automática.",
     "Your payment was refunded, your subscription was canceled, and your bank connections were disconnected.": "Te hemos devuelto el pago, cancelado la suscripción y desconectado tus cuentas bancarias.",
+    "You'll be charged today": "Se te cobrará hoy",
+    "Changed your mind? Get a full refund yourself from Settings within the first :days days — no questions asked.": "¿Cambias de idea? Solicita tú mismo la devolución completa desde Ajustes durante los primeros :days días, sin preguntas.",
+    ":days-day free trial": "Prueba gratis de :days días",
+    "You won't be charged until your :days-day trial ends. Cancel anytime before then.": "No se te cobrará hasta que termine tu prueba de :days días. Cancela cuando quieras antes de eso.",
+    "Money-back guarantee": "Garantía de devolución",
+    "Changed your mind? Request a full refund until :date. This cancels your subscription and disconnects your bank accounts — the data you already imported is kept.": "¿Cambias de idea? Solicita la devolución completa hasta el :date. Esto cancela tu suscripción y desconecta tus cuentas bancarias; los datos que ya importaste se conservan.",
+    "Changed your mind? Request a full refund. This cancels your subscription and disconnects your bank accounts — the data you already imported is kept.": "¿Cambias de idea? Solicita la devolución completa. Esto cancela tu suscripción y desconecta tus cuentas bancarias; los datos que ya importaste se conservan.",
+    "Confirm refund": "Confirmar devolución",
+    "Keep my plan": "Mantener mi plan",
+    "Request a refund": "Solicitar devolución",
     "AI Categorization": "Categorización con IA",
     "Let AI suggest categories for your transactions automatically.": "Deja que la IA sugiera categorías para tus transacciones automáticamente.",
     "Allow AI categorization": "Permitir categorización con IA",
diff --git a/resources/js/pages/settings/billing.tsx b/resources/js/pages/settings/billing.tsx
index 7f51c236..0a1ff167 100644
--- a/resources/js/pages/settings/billing.tsx
+++ b/resources/js/pages/settings/billing.tsx
@@ -11,13 +11,13 @@ import {
     store as storeConsent,
 } from '@/routes/ai/consent';
 import { billing } from '@/routes/settings';
-import { portal } from '@/routes/settings/billing';
+import { portal, refund as refundRoute } from '@/routes/settings/billing';
 import { checkout } from '@/routes/subscribe';
 import { type BreadcrumbItem, type SharedData } from '@/types';
 import { Plan } from '@/types/pricing';
 import { formatCurrency } from '@/utils/currency';
 import { __ } from '@/utils/i18n';
-import { Head, usePage } from '@inertiajs/react';
+import { Head, router, usePage } from '@inertiajs/react';
 import axios from 'axios';
 import {
     CheckIcon,
@@ -245,16 +245,95 @@ function UpgradeSection({
     );
 }
 
+interface RefundInfo {
+    canSelfRefund: boolean;
+    deadline: string | null;
+}
+
+function RefundCard({
+    deadline,
+    locale,
+}: {
+    deadline: string | null;
+    locale: string;
+}) {
+    const [confirming, setConfirming] = useState(false);
+    const [processing, setProcessing] = useState(false);
+
+    const deadlineLabel = deadline
+        ? new Date(deadline).toLocaleDateString(locale, {
+              day: 'numeric',
+              month: 'long',
+          })
+        : null;
+
+    const submit = () => {
+        setProcessing(true);
+        router.post(
+            refundRoute.url(),
+            {},
+            { onFinish: () => setProcessing(false) },
+        );
+    };
+
+    return (
+        <div className="rounded-lg border border-amber-200 bg-amber-50 p-5 dark:border-amber-900 dark:bg-amber-950/30">
+            <h4 className="font-medium text-amber-900 dark:text-amber-200">
+                {__('Money-back guarantee')}
+            </h4>
+            <p className="mt-1 text-sm text-amber-800/80 dark:text-amber-300/80">
+                {deadlineLabel
+                    ? __(
+                          'Changed your mind? Request a full refund until :date. This cancels your subscription and disconnects your bank accounts — the data you already imported is kept.',
+                          { date: deadlineLabel },
+                      )
+                    : __(
+                          'Changed your mind? Request a full refund. This cancels your subscription and disconnects your bank accounts — the data you already imported is kept.',
+                      )}
+            </p>
+
+            {confirming ? (
+                <div className="mt-4 flex flex-wrap gap-2">
+                    <Button
+                        variant="destructive"
+                        disabled={processing}
+                        onClick={submit}
+                    >
+                        {__('Confirm refund')}
+                    </Button>
+                    <Button
+                        variant="ghost"
+                        disabled={processing}
+                        onClick={() => setConfirming(false)}
+                    >
+                        {__('Keep my plan')}
+                    </Button>
+                </div>
+            ) : (
+                <Button
+                    variant="outline"
+                    className="mt-4"
+                    onClick={() => setConfirming(true)}
+                >
+                    {__('Request a refund')}
+                </Button>
+            )}
+        </div>
+    );
+}
+
 function SubscribedSection({
     isDemoAccount,
     defaultPlan,
     currency,
     locale,
+    refund,
 }: {
     isDemoAccount: boolean;
     defaultPlan: Plan | undefined;
     currency: string;
     locale: string;
+    refund?: RefundInfo;
 }) {
     return (
         <div className="space-y-6">
@@ -302,6 +381,10 @@ function SubscribedSection({
                     </a>
                 )}
             </div>
+
+            {refund?.canSelfRefund && (
+                <RefundCard deadline={refund.deadline} locale={locale} />
+            )}
         </div>
     );
 }
@@ -393,8 +476,8 @@ function AiConsentSection({
 }
 
 export default function Billing() {
-    const { auth, pricing, locale, features, hasAiConsent } = usePage<
-        SharedData & { hasAiConsent: boolean }
+    const { auth, pricing, locale, features, hasAiConsent, refund } = usePage<
+        SharedData & { hasAiConsent: boolean; refund?: RefundInfo }
     >().props;
     const isDemoAccount = auth?.isDemoAccount ?? false;
     const hasProPlan = auth?.hasProPlan ?? false;
@@ -413,6 +496,7 @@ export default function Billing() {
                             defaultPlan={defaultPlan}
                             currency={pricing.currency}
                             locale={locale}
+                            refund={refund}
                         />
                     ) : (
                         <UpgradeSection
diff --git a/resources/js/pages/subscription/paywall.tsx b/resources/js/pages/subscription/paywall.tsx
index a90d8615..aafe69f2 100644
--- a/resources/js/pages/subscription/paywall.tsx
+++ b/resources/js/pages/subscription/paywall.tsx
@@ -32,10 +32,62 @@ interface PaywallStats {
     balancesByCurrency: Record<string, number>;
 }
 
+interface ExperimentOffer {
+    variant: string;
+    payNow: boolean;
+    refundWindowDays: number;
+    trialDays: Record<string, number>;
+}
+
 interface PaywallPageProps extends SharedData {
     stats: PaywallStats;
     canUseFreePlan: boolean;
     canManageConnectionsForFreePlan: boolean;
+    offer: ExperimentOffer;
+}
+
+function TrialTerms({
+    offer,
+    planKey,
+}: {
+    offer: ExperimentOffer;
+    planKey: string;
+}) {
+    if (offer.payNow) {
+        return (
+            <div className="rounded-lg border border-emerald-200 bg-emerald-50 p-3 text-center text-sm dark:border-emerald-900 dark:bg-emerald-950/40">
+                <p className="font-medium text-emerald-900 dark:text-emerald-200">
+                    {__("You'll be charged today")}
+                </p>
+                <p className="mt-1 text-emerald-800/80 dark:text-emerald-300/80">
+                    {__(
+                        'Changed your mind? Get a full refund yourself from Settings within the first :days days — no questions asked.',
+                        { days: offer.refundWindowDays },
+                    )}
+                </p>
+            </div>
+        );
+    }
+
+    const days = offer.trialDays[planKey] ?? 0;
+
+    if (days <= 0) {
+        return null;
+    }
+
+    return (
+        <div className="rounded-lg border bg-muted/30 p-3 text-center text-sm">
+            <p className="font-medium">
+                {__(':days-day free trial', { days })}
+            </p>
+            <p className="mt-1 text-muted-foreground">
+                {__(
+                    "You won't be charged until your :days-day trial ends. Cancel anytime before then.",
+                    { days },
+                )}
+            </p>
+        </div>
+    );
 }
 
 function getEquivalentBillingLabel(
@@ -335,12 +387,14 @@ function PricingSection({
     currency,
     canUseFreePlan,
     canManageConnectionsForFreePlan,
+    offer,
 }: {
     planEntries: [string, Plan][];
     defaultPlan: string;
     currency: string;
     canUseFreePlan: boolean;
     canManageConnectionsForFreePlan: boolean;
+    offer: ExperimentOffer;
 }) {
     const [selectedPlan, setSelectedPlan] = useState(defaultPlan);
     const [freeButtonVisible, setFreeButtonVisible] = useState(false);
@@ -379,6 +433,8 @@ function PricingSection({
                 ))}
             </div>
 
+            <TrialTerms offer={offer} planKey={selectedPlan} />
+
             <a href={checkout.url({ query: { plan: selectedPlan } })}>
                 <Button
                     className="w-full bg-emerald-600 py-6 hover:bg-emerald-700 dark:bg-emerald-600 dark:hover:bg-emerald-700"
@@ -428,8 +484,13 @@ function PricingSection({
 }
 
 export default function Paywall() {
-    const { pricing, stats, canUseFreePlan, canManageConnectionsForFreePlan } =
-        usePage<PaywallPageProps>().props;
+    const {
+        pricing,
+        stats,
+        canUseFreePlan,
+        canManageConnectionsForFreePlan,
+        offer,
+    } = usePage<PaywallPageProps>().props;
     const planEntries = Object.entries(pricing.plans);
 
     if (planEntries.length === 0) {
@@ -454,6 +515,7 @@ export default function Paywall() {
                         canManageConnectionsForFreePlan={
                             canManageConnectionsForFreePlan
                         }
+                        offer={offer}
                     />
                 </div>
             </div>