www.moby.coReviews of moby.co

Response from www.moby.coDec 5, 2025

Hi — thank you for being an early subscriber and for laying out your experience so clearly. I’m sorry the outcome felt disappointing for you. I also want to respond directly to a few important points in your review for accuracy and context. First, we’ve never presented our high-conviction picks as “safe” or guaranteed winners, especially during the 2021–2022 period you reference, when markets were unusually speculative and growth-heavy. Those reports were explicitly framed as higher-risk, higher-volatility ideas alongside clear risk language. Many stocks in innovative or early-stage sectors did experience severe drawdowns across the entire market as rates rose, liquidity tightened, and investor appetite shifted — that wasn’t unique to Moby or to our research. Second, it’s important to separate disagreeing with a thesis in hindsight from implying bad faith. We publish our reasoning, sources, and valuation logic transparently at the time we write. Some theses play out; some don’t — that is the reality of equity research, especially in newer or emerging industries. We won’t rewrite history to pretend every call was perfect, but we also won’t accept the framing that unfavorable outcomes automatically mean irresponsibility or deception. Third, your shift to large-caps and diversified ETFs is a totally reasonable strategy — and one we frequently discuss as a core approach for many investors, depending on risk tolerance and time horizon. Our research is designed to offer informed opportunities, not to dictate a one-size-fits-all portfolio. If a subscriber chooses to allocate heavily to speculative names without diversification, that’s a portfolio decision, not something we instruct or require. Finally, the product has evolved meaningfully since the SmartyStocks era. We’ve broadened coverage, improved methodology, and expanded our focus to include a wider mix of risk profiles and market environments. We continuously refine how we communicate risk, scenario outcomes, and portfolio construction so readers can calibrate ideas appropriately. We appreciate you sticking with us early on, and we’re genuinely sorry these picks didn’t work out for you. If you’d like, email us and we’re happy to pull up the specific reports you’re referencing and walk through the original theses and what changed — not to argue, but to be transparent and helpful. Wishing you continued success with your current strategy, and thanks again for the candid feedback.

Response from www.moby.coDec 5, 2025

Hi — I’m really sorry this has dragged on and that you feel ignored. That’s not the experience we want anyone to have, and I understand why you’re frustrated. I do need to correct one thing clearly for anyone reading: we are not a “scam,” and we do not obfuscate refunds. We process refunds according to the same published terms for every subscriber. What we won’t do is invent reasons to avoid a valid refund — that’s simply not how we operate. That said, if you’ve been waiting and aren’t getting timely replies, that is on us and we take it seriously. A delay or bad handoff is a service failure, not a policy. A few clarifying points that often explain stalls like this: If the subscription was purchased through Apple App Store / Google Play, refunds are controlled by Apple/Google. We cannot issue or force those refunds directly, even if we want to. In those cases, the fastest path is the App Store refund flow, and we’ll help you with it. If the subscription was purchased on our website, refunds are processed by us and your payment provider. Banks sometimes file disputes/chargebacks in a way that pauses merchant-side refunds until the dispute is resolved, which can look like “no progress” from the bank’s view. That’s not an excuse — just a common mechanics issue we can untangle quickly once we have the account details. We want to resolve your specific case, not argue about it publicly. Please email [email protected] with: the email used for your subscription the date of the charge whether you subscribed via web, Apple, or Google and (if applicable) the bank dispute/claim reference Put “Trustpilot Refund Escalation” in the subject line. That flags it for immediate review, and we’ll reply with a clear resolution path. You absolutely shouldn’t have to chase us for this, and I apologize for the back-and-forth. We’ll get you a definitive answer and next step in writing.

Response from www.moby.coDec 5, 2025

Hi — sorry this caught you by surprise, and I understand why you’re frustrated. Let me clarify a couple things for accuracy and make sure you’re taken care of. 1) Renewals aren’t triggered manually. Subscriptions renew automatically only if auto-renew is left on. That’s disclosed at signup and in the account portal. We don’t “remember you when it’s time to charge you” — the billing is automatic through the payment system. 2) “Never used the service” doesn’t automatically void renewal terms. We can see usage on our side, and we get that sometimes people sign up and life happens. But access to paid content is available the entire term whether or not someone logs in, so refund eligibility is based on the refund window in the terms — not usage. 3) The reply you got isn’t the standard we want to deliver. Even when we can’t approve a refund, we should explain that respectfully and clearly. I’m sorry if the tone felt curt — that’s on us. Here’s what we can do right now: Email [email protected] with the email tied to your account and the charge date, and we’ll: confirm your cancellation immediately so you don’t renew again, and review whether your request falls within the refund terms or if a goodwill exception is appropriate. We’re not trying to trap anyone, and we’re not in the business of being difficult — we apply the same terms consistently, but we also want to be fair and human about edge cases. If you send your details in, we’ll give you a clear, final resolution in writing.