Refund Policy

1. Current payment status

Nuru AI provides free access, and paid plans are available as one-time 30-day passes. Checkout is processed by Paychangu, which supports Airtel Money, TNM Mpamba, bank transfer, and cards. Prices and allowances are shown on the pricing page before you pay. Purchases do not renew automatically.

2. What checkout tells you

The pricing page and Paychangu checkout screen state:

• The seller's identity and contact details, as shown in this policy.
• The plan, included allowances, total price, and currency.
• That the purchase is a one-time 30-day pass and does not renew automatically.
• How to request a refund, and that the payment is processed by Paychangu under Paychangu's own payment terms.

Those disclosures control if they offer rights more favourable than this policy.

3. Stopping future charges

Paid plans do not renew automatically, so there is nothing to cancel. When a 30-day pass ends, you will not be charged again unless you choose to purchase another pass. If you ever see a charge you did not expect, contact us immediately.

4. Refund eligibility

Refund requests are assessed under the terms displayed at purchase and applicable law. Unless the checkout terms or mandatory law provide a broader right, a refund may be appropriate where:

• You were charged more than once for the same subscription period.
• You were charged after a cancellation that had already taken effect.
• A paid service was materially unavailable because of a fault within our control and we could not restore it within a reasonable time.
• The service was materially different from the description presented at checkout.
• Applicable consumer law requires a refund, cooling-off period, repair, replacement, or other remedy.

Refunds will not ordinarily be given for unused time after a valid renewal, failure to cancel before renewal, a change of mind after substantial use, exhaustion of an included allowance, dissatisfaction with an AI answer, or loss caused by violating the Terms of Service—except where applicable law requires otherwise.

5. Duplicate, incorrect, or unrecognised charges

If a future statement shows a duplicate, incorrect, or unrecognised charge, contact us promptly at support@africaopportunityhub.com. Include the account email, transaction date, amount, currency, payment reference, and a description of the issue. Do not send a full card number, security code, password, or banking credentials.

We will investigate with the payment provider and correct confirmed billing errors. If you believe a payment method was used without permission, also contact the payment provider or financial institution immediately to secure the account.

6. How to request a refund

Email support@africaopportunityhub.comwith the account email, payment reference, date and amount, plan name, reason for the request, and relevant evidence. We may ask for limited additional information to verify account ownership and prevent fraud.

We will acknowledge the request and provide a decision within a reasonable period. An approved refund will normally be returned to the original payment method. The payment provider or financial institution controls the final posting time and currency conversion.

7. Plan changes and avoiding double billing

Buying a different plan replaces the plan on your account rather than creating a second active plan; the new 30-day period starts when the new payment is confirmed. Report any overlapping or duplicate charge so it can be investigated and corrected.

8. Promotions, credits, and non-cash benefits

Promotional credits, free trials, complimentary access, and other non-cash benefits are not redeemable for cash unless their specific terms or applicable law say otherwise. Expiry, eligibility, and conversion rules will be stated when the promotion is offered.

9. Mandatory consumer rights

Nothing in this policy limits a right or remedy that cannot legally be excluded. Depending on where you live, digital-service or distance-selling laws may give you additional rights, including a cooling-off right or remedies when a service does not conform to its description. Where mandatory law conflicts with this policy, that law prevails.

10. Chargebacks

Please contact support first so we can investigate a billing issue quickly. This does not remove any lawful right to dispute a transaction with your payment provider. We may suspend access associated with a reversed payment while the dispute is reviewed, but we will not retaliate against a good-faith exercise of consumer rights.

11. Changes and contact

We may update this policy as payments evolve. Material changes will apply prospectively and will be communicated as required by law. Billing and refund questions can be sent to support@africaopportunityhub.com; legal questions can be sent to legal@africaopportunityhub.com.