Unless I’m going crazy, previously after adding a new domain to Cloudflare and upgrading to Pro, the monthly plan was default.
I noticed that this has recently changed and there’s a toggle that’s now defaulting to annual payments.
As soon as I clicked pay, I realised my mistake, but there’s apparently no refund policy. I feel I’ve been cheated out of $240 - I don’t intend for my website to be around for a year, it’s only a short term project.
What’s the deal here, do I need to call up my bank to get them to do a chargeback?
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Welcome to the Cloudflare Community. 
This change in billing plans was widely announced and heavily discussed for many months before the change took place. As you indicated, the terms state that purchases are non-refundable. That said, I would still encourage you to open a billing support request from within your Cloudflare Dashboard since the Community won’t be able to provide any direct assistance with a billing matter.
To contact the billing team, please submit a new support request from your Cloudflare account directly through the Cloudflare dashboard. Visit https://dash.cloudflare.com/?to=/:account/support and choose Billing. Please share your ticket number here so that we can track it.
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