If you agree to refund part of an annual payment, how do you calculate the amount to be refunded?

Quite simply, we take your annual fee and deduct from that the number of months used, calculated at the monthly rate for the appropriate package.  For example, if you were to subscribe to an annual Starter package costing $470 for the year, and then cancel your subscription after three months, your refund would be calculated as:

Amount paid $470 less three months at $47 ($141)leaving a refund value of $329.