Refund and Cancellation Policy

• You can cancel Nivi Premium at any time in Account > Billing and plan (www.nrihub.ai/account/billing). Select "Cancel renewal" and confirm it with the one-time code we send you ("Confirm it's you"). The page then shows your plan's new status.
• You can also email support@nrihub.ai and we will cancel for you.
• When you cancel, your subscription stops renewing. You keep Premium until the end of the month or year you have already paid for. Then your account moves to the free plan. Your account and data stay.

• First payment: if you ask within 14 days of the first payment for your subscription, we refund that payment in full. You do not need to give a reason. This applies to everyone, wherever you live, and to both the monthly and the yearly plan. When we give this refund, we also cancel your subscription, and Premium ends at that time.
• Yearly renewal: if your yearly plan renews and you ask within 14 days of the renewal date, we refund that renewal in full and Premium ends at that time.

To ask, use "Request a refund" in Account > Billing and plan, or tell us in any clear way, for example by email.

Except as set out in sections 4 and 5:

• We do not refund payments for a month or year that has already started, including monthly renewals. Your Premium access continues until the end of that period.
• To avoid the next charge, cancel before your renewal date. Your renewal date is shown in Account > Billing and plan.

Whatever the timing, we refund you if:

• you were charged twice or charged by mistake;
• you were charged after you had cancelled;
• we could not provide Premium for a significant part of a period you paid for;
• we remove a Premium feature you paid for and you cancel because of it (we refund the unused part of your paid period);
• we change our terms to your disadvantage and you cancel because of it (we refund the unused part of your paid period);
• we close your account without a good reason linked to how you used NRIhub.ai (we refund the unused part of your paid period);
• the law requires a refund.

This policy does not take away rights the law gives you. For example:

• Australia: Our services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the service, you are entitled to cancel your service contract with us and to a refund for the unused portion, or to compensation for its reduced value. You are also entitled to be compensated for any other reasonably foreseeable loss or damage. If the failure does not amount to a major failure, you are entitled to have problems with the service rectified in a reasonable time and, if this is not done, to cancel your contract and obtain a refund for the unused portion of the contract.
• United Kingdom and European Union: you can cancel a new digital subscription within 14 days. Section 2 gives you at least this.
• India: you have rights under the Consumer Protection Act, 2019.

If you delete your account, we first turn off your Premium renewal, so you are not charged again. If you restore your account within 30 days, you keep Premium until the end of the month or year you have already paid for; if you do not, Premium ends at the end of that month or year, or when we permanently delete your account, whichever comes first. If a renewal payment has failed and is still unpaid, we cancel Premium straight away and do not try to take that payment again. However, if you delete your account within 14 days of your first payment, we refund that payment in full and Premium ends at that time; otherwise we do not refund the rest of the period. Restoring your account within 30 days does not turn the renewal back on.

Use "Request a refund" in Account > Billing and plan (www.nrihub.ai/account/billing). It checks your payment against the 14-day window and sends your request to our team. Or email support@nrihub.ai. It helps if you write from the email address on your account and tell us the date of the payment and, if you can, the receipt number. We aim to reply within 24 hours on business days.

• We refund the full amount you paid, including any tax, to the card or payment method you used, in the same currency.
• We aim to issue approved refunds within 5 business days. Your bank may take another 5 to 10 business days to show it.
• We cannot cover differences caused by exchange rates or by fees your bank charges you.

Charges appear on your card statement as NRIHUB.AI. If something looks wrong, please email us first. We can usually fix it faster than a dispute through your bank.

If we change this policy, the new version applies to payments made after the change. The date at the top of this page shows when it last changed.

PairOx Pty Ltd (ABN 82 154 477 728), a company incorporated in New South Wales, Australia.

Support: support@nrihub.ai

Complaints (Grievance Officer): grievance@nrihub.ai

Legal notices: legal@nrihub.ai. We give and receive legal notices by email.

We do not offer phone support. Please contact us by email.