Officially, any payments you made in the last 30 days. Unofficially, if you tell me "Gadzooks I got billed for this for 6 months because I never canceled my fr

Officially, any payments you made in the last 30 days. Unofficially, if you tell me "Gadzooks I got billed for this for 6 months because I never canceled my free trial and missed the 6 invoices you sent me", I'll reverse 2-3 charges (I lose the capability to do so something like 60 days after the transaction) and then tell you that you have options for the remaining months: a) I write a check to charity, b) I write a check to you, c) you let me keep it. Pick whichever sounds fair. $174 is, literally, less than rounding error. I am aware of other companies which hew more closely to "Just your last payment", and even one prominent SaaS company with a declared no-refunds policy, but they don't strike me as being material improvements.