NexCard Refund and Cancellation Policy

1. SCOPE AND COVERED SUBSCRIPTION PLANS

1.1 Covered Services

This Policy applies exclusively to the prepaid, B2C (Business-to-Consumer) digital Subscription Plans for the NexCard Services:

These plans grant access to premium digital features, analytics, lead management tools, profile customization, and other features defined as "Services" in the EULA.

2. GENERAL POLICY ON REFUNDS (PREPAID DIGITAL SERVICES)

2.1 Finality of Purchase

All NexCard subscription purchases are generally final and non-refundable. The User acknowledges that, due to the nature of the Services being instantly delivered digital content (immediate profile activation and feature access), the value is rendered in full at the time of purchase.

2.2 Non-Refundable Circumstances

Refunds will NOT be granted for any of the following reasons:

• Change of Mind: The User decides they no longer require the service.
• Non-Use: Failure to utilize the premium features during the paid subscription period.
• Cancellation Timing: Failure by the User to cancel an auto-renewal prior to the billing date (if auto-renewal is implemented).
• User Error: Duplicate subscriptions, incorrect plan selection, or loss of login credentials.
• Feature Dissatisfaction: Dissatisfaction with features or specifications that were explicitly described or demonstrated prior to the purchase.

2.3 Exceptions (Mandatory or System Error)

The Provider may issue a refund only in the following exceptional and verified cases:

• System Error Billing: Erroneous or confirmed duplicate billing directly caused by a verifiable system malfunction on the Provider's side.
• Activation Failure: Payment processed successfully but the corresponding subscription activation failed, preventing access to the Services.
• Proven Fraud: A transaction is conclusively proven to be fraudulent and unauthorized through a formal investigation or dispute process.
• Legal Compliance: Where a refund is explicitly mandated by the mandatory provisions of the Consumer Act of the Philippines or other applicable legislation.

3. SUBSCRIPTION CANCELLATION AND ACCESS

3.1 User-Initiated Cancellation

The User may request the cancellation of their subscription renewal at any time through the designated area of the NexCard account dashboard or by submitting a formal request via email (Section 8).

3.2 Effect of Cancellation

• Cancellation only affects future renewals. It does not generate a refund for the current, paid period.
• The User retains full access to all premium features until the last day of the currently paid subscription period.
• At the end of the paid term, access to premium features will automatically expire, and the account will revert to the Basic Free Tier (if applicable), retaining only the non-premium profile data.

3.3 Auto-Renewal (Future Implementation)

Should the Provider implement an auto-renewal feature:

• The Provider will provide clear notice before the renewal date.
• The User is solely responsible for managing and disabling auto-renewal settings before the charge date to avoid being billed for the next period. Charges processed due to failure to disable auto-renewal are non-refundable.

4. DISPUTE TRANSACTIONS AND CLAWBACK

4.1 Notice of Discrepancy

Users who believe they have been billed incorrectly must notify the Provider's Contact Information (Section 8) in writing within seven (7) calendar days from the date of the disputed payment. The User must provide necessary evidence (e.g., bank statements, transaction reference numbers).

4.2 Chargebacks

Filing a chargeback with a financial institution without first engaging the Provider in good faith to resolve the billing dispute may be deemed a material breach of the EULA and may result in:

• Immediate and permanent suspension of the User's NexCard account and all associated Services.
• Forfeiture of any non-premium access or warranty coverage.

5. REFUND PROCESS (FOR APPROVED EXCEPTIONS ONLY)

5.1 Refund Method

If a refund is approved under the exceptions listed in Section 2.3, the reimbursement will be processed back to the User's original payment method, unless the original method is unavailable or otherwise mandated by law.

5.2 Processing Time

The internal processing time by the Provider is typically 5 to 7 business days. However, the completion of the refund may take an additional 7 to 15 business days depending on the specific policies of the User's banking institution or payment processor.

5.3 Deduction and Adjustment

The final approved refund amount may be adjusted or prorated to account for:

• Transaction Fees: Actual processing fees charged by third-party payment gateways.
• Value Used: A reasonable, pro-rata deduction for the confirmed usage of the Services during the period prior to the discovery of the billing error (applies primarily to activation failure cases where partial access was gained).
• Legal Holdbacks: Any necessary withholdings required by law or judicial process.

6. LIMITATION OF LIABILITY

The terms of the Limitation of Liability section within the NexCard EULA are fully incorporated herein. The Provider's liability under this Policy is strictly limited to the following:

• The Provider is not liable for indirect, incidental, punitive, or consequential damages resulting from a billing error or system failure.
• The Provider's maximum aggregate liability related to any single refund claim shall not exceed the original subscription fee paid by the User for the specific plan in dispute.

7. POLICY AMENDMENTS

The Provider reserves the unconditional right to update or modify this Policy at any time. Notice of material changes will be communicated through:

• The NexCard Web App platform, or
• Official Nexbit Tech PH communication channels (e.g., registered email).

Continued use of the Services after the implementation of a revised Policy constitutes the User's binding acceptance of the updated terms.

8. CONTACT INFORMATION

For official refund inquiries, disputes, or cancellation issues: