Zagvo
Legal

Refund Policy

This policy explains when a payment to Zagvo can be refunded, how AI credits are treated, and how to raise a billing problem. Our aim is simple: nobody should pay for something they could not use.

Effective date:
9 August 2026
Last updated:
9 August 2026

1. Overview and scope

This Refund Policy applies to all payments made to [Legal entity name, to be confirmed] for access to Zagvo, including subscription Plans and any purchase of additional AI credits. It forms part of the Terms of Service and uses the same defined terms.

Zagvo is a digital service delivered immediately on purchase, and AI features consume third-party model capacity that we pay for as it is used. That shapes the policy below: subscription periods are generally non-refundable once used, consumed Credits cannot be returned, and we refund promptly where the fault is ours, where a payment was made in error, or where the law gives you a right to cancel.

The short version

  • Cancel any time: you keep access until the end of the paid period.
  • Duplicate and clearly accidental charges are refunded in full.
  • Unused Credits have no cash value and are not refundable on their own.
  • If a defect on our side stopped you using what you paid for, we make it right.
  • Statutory consumer rights always take precedence over this policy.

2. Subscription billing

2.1 Monthly plans

Monthly Plans are billed in advance for each one-month period and renew automatically. Because the Service and its monthly Credit allocation are made available immediately, monthly fees are non-refundable once the period has begun, except as set out in Sections 5 to 8 or where required by law. Cancelling stops the next renewal; it does not refund the current month.

2.2 Annual plans

Where an annual Plan is offered, it is billed in advance for twelve months. Within 14 days of the initial purchase of an annual Plan, you may request a full refund provided you have not consumed more than a nominal share of that period's Credits. After 14 days, annual fees are refundable only on a pro-rata basis for full unused months and only where we agree in writing, or where Section 7 or a statutory right applies.

2.3 Renewals

We send a reminder before annual renewals. If an automatic renewal was genuinely unintended and you contact us within 7 days of the charge without having used the Service in the new period, we will cancel and refund it in full.

3. AI credits

3.1 Unused credits

Credits included with a Plan are an entitlement to use the Service, not a stored-value product. They carry no cash value, expire at the end of the billing period in which they were granted unless your Plan says otherwise, and are not refundable or exchangeable on their own, including when you cancel, downgrade or let a Plan lapse with Credits remaining.

3.2 Partially used credits

Where you have purchased a separate Credit pack and used part of it, we do not refund the consumed portion. We may, at our discretion, refund the unused portion of a Credit pack purchased within the last 14 days if the pack was bought in error or the underlying feature was unavailable.

3.3 Credits consumed by our error

If Credits were consumed by a defect on our side (a failed generation still metered, a duplicate charge for one action, or a metering fault) we will restore the Credits to your balance at no cost. Restoration of Credits is our standard remedy for metering errors; cash refunds are available only where restoration is not possible.

3.4 Quality of output is not a metering fault

Credits are consumed when an AI action runs, not according to whether you liked the result. Output you consider unhelpful, inaccurate or off-target does not by itself qualify for a refund or restoration, for the reasons explained in the AI limitations section of the Terms of Service. Tell us anyway: that feedback is how the prompts improve.

4. Cancellation, downgrades and upgrades

4.1 Cancellation

You may cancel at any time from billing settings; no reason is required and no cancellation fee applies. Access and Credits continue until the end of the period you have paid for, after which the subscription lapses. Cancelling does not delete your data: see the Privacy Policy for retention and deletion.

4.2 Downgrades

Downgrades take effect at the start of your next billing period. We do not refund the price difference for the current period, and the lower Credit allocation applies from the next period. Content created under a higher Plan remains accessible for reading and export.

4.3 Upgrades

Upgrades take effect immediately. You are charged a pro-rated amount for the remainder of the current period and receive the additional Credit entitlement for that period. If you downgrade shortly after upgrading, the pro-rated upgrade charge is not refunded.

5. Failed, duplicate and accidental payments

5.1 Failed payments

A failed payment is not a charge, so there is nothing to refund. Some banks place a temporary authorisation hold on a declined attempt; those holds are released by your bank, typically within 5 to 10 business days. We may retry a failed payment and may suspend paid features until it succeeds.

5.2 Duplicate payments

If you were charged more than once for the same period or the same Credit pack, contact us with the invoice references and we will refund the duplicate in full. We also refund duplicates we detect ourselves, without waiting for you to ask.

5.3 Accidental purchases

If you bought the wrong Plan, bought twice by mistake, or subscribed on the wrong Account, contact us within 14 days. Where consumption has been minimal we will refund in full; where the Service has been used substantially we will offer to move the subscription to the correct Account or Plan instead.

5.4 Unauthorised charges

If you believe a charge was made without authorisation, for example after your payment method or email was compromised, contact us immediately. We will investigate, refund confirmed unauthorised charges, and help you secure the Account.

6. Service failure and our errors

Where a fault attributable to us materially prevented you from using what you paid for, we provide a remedy without argument. Depending on the situation that will be:

  • restoration of Credits consumed by failed or double-metered actions;
  • a service credit applied to your next invoice;
  • a pro-rata refund for the period of material unavailability; or
  • a full refund of the current period where the Service was effectively unusable throughout it.

This does not extend to interruptions caused by factors outside our control, your network or device, a third-party AI builder you use alongside Zagvo, or a force majeure event as defined in the Terms of Service.

7. Chargebacks and disputes

Please contact us before raising a chargeback with your bank or card issuer. Chargebacks are slow, they involve fees, and almost every case is resolved faster by email.

If a chargeback is initiated, we may suspend the Account while the dispute is open, and we will submit our transaction, usage and metering records to the issuer. Where a chargeback is resolved in our favour, we may require the disputed amount, together with any fee charged to us, to be settled before access is restored. Where it is resolved in your favour, no further action is needed from you.

We reserve the right to decline future service to Accounts with a pattern of chargebacks raised without first contacting support.

8. Taxes

Refunds are issued inclusive of any tax that was charged on the original payment, calculated at the rate applied at the time of purchase, and are returned in the original currency to the original payment method. We cannot refund currency conversion differences, foreign transaction fees or bank charges applied by your provider, and we cannot refund tax that has been remitted where the underlying transaction is not itself refundable. Businesses that supplied a valid tax registration number will receive a corrected invoice or credit note.

9. Promotional discounts and beta access

9.1 Discounts and promotional pricing

Where a discount, coupon or promotional rate applied, any refund is calculated on the amount actually paid, not on the list price. Discounts apply only for the stated promotional term and are not refundable as cash. Promotional codes have no cash value and cannot be applied retroactively to a completed purchase.

9.2 Beta access

During the closed beta we may grant complimentary Beta Access, which activates a Plan and its Credit allocation without a payment. Because no fee is charged, no refund arises. If Beta Access is later converted into a paid subscription, we will give clear advance notice, and the first paid period will be refundable in full for 14 days if you decide not to continue.

10. Exceptions

We do not provide refunds in the following circumstances.

SituationTreatment
Change of mind after substantial use of a monthly periodNo refund; cancel to stop renewal
Credits expired unused at the end of a periodNo refund; Credits have no cash value
Output judged unsatisfactory in qualityNo refund; feedback welcomed, see Section 3.4
Account terminated for violating the Acceptable Use PolicyNo refund for the terminated period
Failure to cancel before an automatic renewal, outside the windows in Section 2.3No refund
Third-party costs, such as an AI builder or hosting you pay separatelyNot refundable by us
Requests made more than 90 days after the chargeGenerally out of time, absent a statutory right

11. Consumer rights and regional variations

11.1 Statutory rights come first

Nothing in this policy limits rights you have as a consumer under mandatory local law. Where a statutory right gives you more than this policy does, the statutory right applies.

11.2 European Union and United Kingdom

Consumers generally have a 14-day right to withdraw from a distance contract for digital services. Because the Service is supplied immediately, you are asked to acknowledge at checkout that supply begins at once and that the withdrawal right is lost once the service has been fully performed. Where you have only partly used the Service within those 14 days, you may withdraw and we will refund the fee less a proportionate amount for what was supplied.

11.3 Australia, and jurisdictions with statutory guarantees

Where consumer law provides guarantees that cannot be excluded (for example that services are supplied with due care and skill and are fit for purpose) you are entitled to a remedy for a failure to meet them, which may include a refund, and this policy does not restrict that entitlement.

11.4 Other regions

Additional or different rights may apply under the law of [Governing jurisdiction, to be confirmed] and of your country of residence. Contact us if you are unsure which rules apply to your purchase.

12. How to request a refund

Email billing@zagvo.com from the address on the Account, or use the contact page, and include:

  • the email address on the Account;
  • the invoice number or the date and amount of the charge;
  • what you are asking for and why; and
  • any relevant detail, such as an error message or the action that failed.

We aim to acknowledge within 2 business days and to decide within 10 business days. Approved refunds are issued to the original payment method and typically appear within 5 to 10 business days, depending on your bank. If we decline a request, we will explain why and tell you how to escalate it.

13. Changes to this policy

We may revise this document from time to time to reflect changes in the Service, our providers, or applicable law. When we make material changes we will update the “Last updated” date, publish the revised document on this page, and (where the change materially reduces your rights or materially expands your obligations) notify account holders by email or in-product notice before the change takes effect. Changes are effective on the stated effective date. Continued use of the Service after that date constitutes acceptance of the revised document. Prior versions are available on request.

The version of this policy in force at the time of your payment governs that payment. A later revision does not reduce refund rights that had already accrued to you.

14. Support contact

  • Billing and refunds: billing@zagvo.com
  • General support: help@zagvo.com, or the contact page on this website

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