Refund Policy — BusinessOS AI

DRAFT — NOT LEGAL ADVICE. Refund terms are a business decision you need to make deliberately, not something an AI should decide for you. This draft describes a reasonable, common default so there's a starting point — review and adjust the actual policy, then have a lawyer confirm it's consistent with Zimbabwean consumer protection law (and Paynow's own merchant agreement, which may impose its own constraints).

Last updated: [DATE — fill in when this is actually adopted]

How billing works

BusinessOS AI's Pro plan is billed one period at a time through Paynow — there's no automatic recurring charge to a stored card. You (or whoever manages billing for your business) pay for each period as it comes up.

Trial period

New businesses get a 3-day free trial with no payment required. If you don't pay before the trial ends, your account moves to read-only mode — your data stays intact and viewable, but you can't create or edit records until you pay. No charge happens automatically at the end of the trial.

Refunds

LEGAL REVIEW REQUIRED / business decision needed. A reasonable starting position, common for low-cost monthly SaaS:

• Payments for the current billing period are generally non-refundable once the period has started, since access was granted for that period.
• If you were charged in error (e.g., a duplicate payment, or a technical fault on our side), contact us and we'll investigate and refund if confirmed.
• Refunds, where granted, are issued back through Paynow to the original payment method, subject to Paynow's own processing times and any fees they impose that are outside our control.

How to request a refund

LEGAL REVIEW REQUIRED: add a real contact channel here (support email) before publishing this document.

Zimbabwean consumer protection

LEGAL REVIEW REQUIRED: this policy has not been checked against Zimbabwean consumer protection legislation. If BusinessOS AI ever serves customers in other jurisdictions with statutory cooling-off periods or mandatory refund rights (e.g., certain EU/UK consumer protections), this document needs jurisdiction-specific carve-outs added before it's accurate for those users.