Viblo AI – Refund & Cancellation Policy

1. Free Trial

• Viblo AI may offer a free trial period to allow you to evaluate the Services before committing to a paid subscription.
• You will not be charged during the free trial period.
• The duration and scope of the free trial will be specified at the time of sign-up.
• At the end of the free trial, your selected subscription plan will begin automatically and your payment method will be charged, unless you cancel before the trial period ends.
• Free trials are limited to one per person, household, or payment method. Viblo AI reserves the right to revoke trial access if we determine the offer is being abused or if you have previously used a free trial.
• By entering your payment details and starting a free trial, you authorise Viblo AI (via our payment processor) to charge your payment method automatically at the end of the trial period unless you cancel before renewal.

2. Subscription Billing

• Subscriptions are billed in advance on a recurring basis (monthly or annually, depending on your selected plan).
• All prices are listed in USD unless otherwise stated and may be converted to your local currency by your payment provider.
• Subscriptions renew automatically at the end of each billing period at the then-current rate, until cancelled.
• By subscribing, you authorise Viblo AI to charge your selected payment method on each renewal date.

3. 30-Day Money-Back Guarantee

• We offer a 30-day money-back guarantee from the date of your initial paid subscription purchase.
• If you are not satisfied with the Services for any reason within the first 30 days of your initial purchase, you may request a full refund by contacting us at support@viblo.ai.
• To be eligible for a refund under this guarantee, your request must be submitted in writing (via email) within 30 days of the date you were first charged.
• This guarantee applies to your first subscription payment only. It does not apply to renewal charges, plan upgrades, add-on purchases, or credit top-ups (see Section 6 below).
• Refunds under this guarantee will be processed to your original payment method within 5–10 business days, depending on your payment provider.

4. Refunds After the 30-Day Period

After the 30-day money-back guarantee period has expired, refunds are provided at our sole discretion and only in the following circumstances:

• Duplicate or erroneous charges: a billing error resulted in you being charged more than once or charged an incorrect amount.
• Service inaccessibility: a verified technical issue on our end prevented you from accessing or using the Services for a material portion of your billing period, as confirmed by our support team.

Refund requests after the 30-day period must be submitted in writing to support@viblo.ai within 7 days of the charge in question. Please include your account email address, a description of the issue, and any relevant screenshots or documentation.

Refunds are not available for:

• Dissatisfaction with results or outcomes achieved using the platform. Viblo AI provides access to tools, not guaranteed results.
• Failure to cancel before a renewal date.
• Failure to use the Services during a billing period.
• Violation of our Terms of Service resulting in account suspension or termination.

5. Consumer Rights — European Union and United Kingdom

• If you are a consumer located in the European Union or the United Kingdom, you have the right to cancel your subscription within 14 days of your initial purchase without giving any reason, in accordance with the Consumer Contracts Regulations and EU Directive 2011/83/EU.
• To exercise this right, you must notify us of your decision to cancel before the 14-day period expires by contacting us at support@viblo.ai.
• Important: Where the Services are digital content that is made immediately available (i.e., you gain instant access to the platform upon payment), by using the Services during the 14-day withdrawal period, you acknowledge that you have consented to immediate performance and that you will lose your right of withdrawal once you begin using the Services. If you have not used the Services during this period, you are entitled to a full refund.

6. Credits, Add-Ons, and Upgrades

• If you purchase additional credits, add-on features, or upgrade your subscription plan during your free trial or active subscription, those payments are final and non-refundable.
• Credits are non-transferable and have no cash value.
• Unused credits do not roll over to the next billing period unless otherwise specified in your subscription plan.
• Upgrades take effect immediately upon purchase.
• If you downgrade your subscription plan, the change will take effect at the start of your next billing period. No pro-rata refunds are issued for the remainder of the current billing period.

7. How to Cancel Your Subscription

You may cancel your subscription at any time to prevent future charges.

How to cancel:

• Via your account dashboard: log in to your Viblo AI account, navigate to your subscription or billing settings, and follow the on-screen instructions to cancel.
• Via email: contact us at support@viblo.ai with the subject line "Cancel Subscription" and include the email address associated with your account.

Important details about cancellation:

• Cancellation prevents future renewal charges but does not result in a refund for the current billing period (except where covered by our 30-day money-back guarantee or applicable consumer rights).
• After cancellation, you will retain access to the Services until the end of the billing period you have already paid for.
• Once your current billing period expires, your account will revert to a free or inactive state, and you will no longer have access to paid features.
• We recommend exporting or downloading any content you wish to keep before your subscription expires.

8. Chargebacks and Payment Disputes

We take chargebacks and payment disputes seriously and ask that you contact us directly before initiating a dispute with your bank or payment provider.

• Please contact us first: Most issues can be resolved quickly by reaching out to support@viblo.ai. We aim to respond to all billing inquiries within 1–2 business days.
• If a chargeback or dispute is filed without first contacting Viblo AI, we reserve the right to provide your bank or payment provider with:
  • Account activity logs, including login records, IP addresses, and usage history.
  • Proof of digital delivery, including welcome email confirmation and account access records.
  • A copy of this Refund & Cancellation Policy, which was agreed to at the time of purchase.
  • Invoice records and subscription details.
• Filing a chargeback without contacting us first is a violation of this policy and may result in suspension or termination of your account.

9. Complaint Resolution

If you are dissatisfied with the handling of a refund request or any billing matter, you may escalate your complaint as follows:

• Contact our support team: email support@viblo.ai with a detailed description of your concern. We will acknowledge your complaint within 2 business days and aim to resolve it within 14 business days.
• Request escalation: if you are not satisfied with the initial response, you may request that your complaint be escalated to a senior team member by replying to your support correspondence.
• External resolution: if your complaint remains unresolved, you may contact the relevant consumer protection authority in your jurisdiction. For consumers in the European Union, you may also use the European Commission's Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr.

10. Refund Processing

• All approved refunds will be issued to your original payment method.
• Refund processing times are typically 5–10 business days from the date of approval, depending on your payment provider.
• The refund amount may differ from the original charge due to currency exchange fluctuations between the time of purchase and the time of refund.
• Any applicable taxes that were collected at the time of purchase will be included in the refund.

11. Changes to This Policy

We may update this Refund & Cancellation Policy from time to time. Updates will be posted on this page with a revised "Last Updated" date. Continued use of the Services after changes constitutes your acceptance of the updated policy.