Refund Policy

At Business Insights Platform, we are committed to customer satisfaction. This Refund Policy outlines the terms and conditions for requesting refunds for our services and subscriptions. Please read this policy carefully before making a purchase.

1. Eligibility for Refunds

1.1 Money-Back Guarantee

We offer a 30-day money-back guarantee on all new paid subscriptions. If you are not satisfied with our services, you may request a full refund within 30 days of your initial purchase.

1.2 Qualifying Conditions

To be eligible for a refund under our money-back guarantee, you must:

• Be a first-time subscriber (not applicable to renewals)
• Submit your refund request within 30 days of purchase
• Have used the service in accordance with our Terms and Conditions
• Not have violated our Acceptable Use Policy
• Not have previously received a refund for our services

1.3 Non-Eligible Purchases

The following are NOT eligible for refunds:

• Free trial conversions (cancel before trial ends to avoid charges)
• Subscription renewals after the initial term
• Purchases made more than 30 days ago
• Add-on services or one-time purchases
• Promotional or discounted subscriptions (unless specified)
• Accounts terminated for Terms of Service violations
• Partial months of unused service

2. Refund Timeframes and Amounts

3. Free Trial Policy

3.1 Trial Period

New users are eligible for a 14-day free trial of our premium features. During this period:

• You have full access to all premium features
• No payment is required during the trial
• You can cancel anytime before the trial ends
• You will be notified before the trial expires

3.2 Trial Cancellation

To avoid being charged, you must cancel your subscription before the end of the 14-day trial period. If you do not cancel:

• Your payment method will be charged automatically
• Your subscription will begin immediately
• The 30-day money-back guarantee will apply from the charge date

3.3 Trial Limitations

• One free trial per user/email address
• One free trial per payment method
• We reserve the right to deny trial access if abuse is suspected

4. How to Request a Refund

4.1 Refund Request Process

To request a refund, follow these steps:

1. Contact our support team via email at refunds@gruopoai.com or through your account dashboard
2. Provide required information:
   • Your full name and email address associated with your account
   • Order/transaction ID
   • Reason for refund request
   • Date of purchase
3. Wait for review - We will review your request within 2-3 business days
4. Receive decision - You will be notified of approval or denial via email
5. Refund processing - If approved, refunds are processed within 5-10 business days

4.2 Required Documentation

Depending on your situation, we may request additional information:

• Screenshot of error messages or technical issues
• Description of problems encountered
• Steps taken to resolve issues before requesting refund
• Communication history with support team

5. Refund Processing

5.1 Processing Time

Once your refund is approved:

• Credit/Debit Cards: 5-10 business days
• PayPal: 3-5 business days
• Bank Transfer: 7-14 business days

Please note that processing times may vary depending on your financial institution.

5.2 Refund Method

Refunds will be issued to the original payment method used for the purchase. We cannot issue refunds to different payment methods or accounts.

5.3 Currency

Refunds will be issued in the same currency as the original purchase. Currency conversion fees (if any) are the responsibility of the customer.

6. Cancellation Policy

6.1 How to Cancel

You can cancel your subscription at any time by:

• Logging into your account and navigating to "Subscription Settings"
• Clicking "Cancel Subscription"
• Following the cancellation prompts
• Or contacting our support team at support@gruopoai.com

6.2 Cancellation Effects

When you cancel your subscription:

• You will retain access until the end of your current billing period
• You will not be charged for subsequent billing periods
• Your account will convert to a free account (if applicable)
• No refund will be provided for the remaining period

6.3 Reactivation

If you wish to reactivate a cancelled subscription:

• Log into your account and select "Reactivate Subscription"
• Your previous plan and pricing may still be available
• Promotional pricing may not be available upon reactivation

7. Pro-Rated Refunds

7.1 When Pro-Rated Refunds Apply

Pro-rated refunds may be issued in the following circumstances:

• Downgrading from an annual to monthly plan within 30 days
• Service disruption lasting more than 48 hours (at our discretion)
• Discontinuation of service by Business Insights Platform
• Billing errors or duplicate charges

7.2 Calculation Method

Pro-rated refunds are calculated as follows:

• Total amount paid ÷ days in billing period × unused days
• Minimum of one month's fee will be retained for annual subscriptions

8. Special Circumstances

8.1 Technical Issues

If you experience technical issues preventing use of our services:

• Contact our support team immediately
• Allow us reasonable time to resolve the issue (48-72 hours)
• Document the problems encountered
• If unresolved, a refund may be considered

8.2 Billing Errors

If you notice any billing errors or unauthorized charges:

• Contact us immediately at billing@gruopoai.com
• Provide transaction details and documentation
• We will investigate and correct any errors promptly
• Refunds for billing errors are processed within 3-5 business days

8.3 Duplicate Charges

In case of duplicate charges:

• We will issue a full refund for the duplicate charge
• No request form is required
• Refund processed automatically within 5 business days

9. Chargebacks and Disputes

9.1 Chargeback Policy

Before initiating a chargeback with your bank or credit card company:

• Please contact us first to resolve the issue
• Most issues can be resolved quickly without chargebacks
• Chargebacks may result in account suspension
• We may dispute unjustified chargebacks

9.2 Dispute Resolution

We are committed to fair dispute resolution:

• All disputes will be reviewed by our customer service team
• We aim to respond to disputes within 24-48 hours
• Decisions are made on a case-by-case basis
• You may escalate unresolved disputes to management

10. Exceptions and Limitations

10.1 Force Majeure

We are not responsible for refunds related to:

• Internet service provider issues
• Natural disasters or acts of God
• Government actions or regulations
• Circumstances beyond our reasonable control

10.2 User Error

Refunds are generally not provided for:

• Failure to use the service
• Forgetting to cancel before renewal
• Purchasing the wrong plan
• Change of mind after 30 days
• Lack of understanding of service features

10.3 Misuse and Violations

No refunds will be issued if your account is terminated for:

• Violation of Terms and Conditions
• Fraudulent activity
• Abuse of our services
• Illegal activities

11. Annual Subscription Terms

11.1 Annual Plan Refunds

For annual subscriptions:

• Full refund available within first 14 days
• Pro-rated refund available days 15-30 (minus one month)
• No refund after 30 days
• Cancellation allowed anytime (no refund for unused time after 30 days)

11.2 Annual Renewal

Annual subscriptions auto-renew unless cancelled:

• Renewal reminder sent 30 days before renewal date
• Cancel anytime before renewal to avoid charges
• No refunds on renewal charges

12. Enterprise and Custom Plans

12.1 Enterprise Refund Terms

Enterprise and custom plans have specific refund terms:

• Refund terms outlined in individual contracts
• May differ from standard refund policy
• Contact your account manager for refund requests
• Subject to contract terms and conditions

13. Changes to Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective:

• Immediately upon posting on our website
• With email notification for material changes
• Existing subscriptions remain subject to the policy in effect at time of purchase

14. Contact Information

15. Additional Support

Before requesting a refund, consider reaching out to our support team. We can often resolve issues quickly:

• Live Chat: Available Monday-Friday, 9am-5pm GMT
• Email Support: 24/7 ticket submission
• Knowledge Base: Comprehensive self-help articles
• Video Tutorials: Step-by-step guides

16. Satisfaction Guarantee

By purchasing a subscription to Business Insights Platform, you acknowledge that you have read, understood, and agree to this Refund Policy.