Subscriptions, Points and Refunds Policy

In short

• Investor accounts are free; founders have a free plan and two paid monthly plans.
• Points are a prepaid balance for optional services only, valid for 12 months, and not redeemable for cash.
• Points are charged only after an AI service completes successfully.
• Payment is through the Kashier gateway; we do not store your card data.
• We take no commission on your deals, and deal money never passes through the platform.
• The refund provisions below are a proposed position still awaiting final approval.

1. General

1. This policy applies to everything you pay the Company for platform services and forms part of the "Terms of Use".
2. The Company takes no commission or percentage from any deal or financing between users, and does not receive, hold or transfer deal funds. The Company's revenue is subscriptions, points and fixed sponsorship contracts only.
3. Sponsorships are governed by separate contracts; see the "Sponsorship and Disclosure Policy".

2. Subscription Plans

2.1 Plans

1. The features of each plan are shown on the pricing page at the time of subscription.
2. Prices are [For review: inclusive or exclusive of VAT]. We show the final amount payable clearly before payment.
3. Prices may change in future; a change does not apply to a period already paid. We notify you of the new price [For review: advance notice period for price changes] before renewal, and you can cancel before it applies.

2.2 Renewal and cancellation

1. Subscriptions renew automatically each month unless you cancel. [For review: automatic renewal mechanism actually available through the payment gateway]
2. You can cancel at any time from Settings. Cancellation stops the next renewal, and plan features continue until the end of the paid period. [For review: cancellation timing and effect]
3. When a subscription ends or renewal fails, the account moves to the Free plan; project data is not deleted as a result.

3. Points

3.1 Nature of points

1. Points are a prepaid balance bought in packs and used only for AI services and add-ons, such as a profile boost and extra intro credits.
2. Points are not money, a means of payment or a deposit; they cannot be redeemed for cash, transferred to another user or sold.
3. The points price of each service is shown before it runs.

3.2 Validity and consumption

1. Points in each pack are valid for 12 months from the purchase date and expire afterwards.
2. Points expiring soonest are spent first.
3. We send a reminder before points expire. [For review: reminder timing]
4. Points are charged only after an AI service completes successfully. If the service fails, nothing is charged.
5. In a Verified Handover, the buyer pays the points for an AI code review if they request one.

4. Payment

1. Payments are processed by the Egyptian payment gateway Kashier. Card data is entered directly with the gateway and is not stored by the platform.
2. We keep payment and invoice records to meet accounting and legal obligations; see the "Privacy Policy".
3. An invoice is issued after successful payment. [For review: e-invoicing requirements in Egypt and Saudi Arabia]
4. Any fees charged by your bank (such as currency conversion fees) are outside the Company's responsibility.

5. Refunds

Note: this section is a proposed position awaiting the Company's final decision. [For review: management approval of the final refund policy and its conformity with Consumer Protection Law No. 181 of 2018]

5.1 Points packs

1. A points pack with no points used may be refunded within 14 days of purchase, or as the Consumer Protection Law provides if more favourable to you.
2. On refund, the remaining points of that pack are withdrawn.
3. Used or expired points are not refunded.

5.2 Subscriptions

1. [For review: whether a refund is due for the current month or part of it, and the consumer's right of withdrawal for digital services]
2. When a subscription is refunded, the subscription is cancelled.

5.3 Procedure

1. Send your refund request to support@octasolutions.net with the transaction number.
2. An administrator records the refund, and the money is returned through the payment gateway to the original payment method.
3. The time for the amount to arrive depends on the bank's and card issuer's procedures.

5.4 Special cases

1. If we permanently discontinue a paid service, we refund the unused part of the subscription and the value of unused points. [For review: calculation rule]
2. On account deletion, "Your Rights and How to Exercise Them" applies.
3. On termination for a serious breach, the "Acceptable Use Policy" applies.
4. Nothing in this policy limits your mandatory rights as a consumer.

6. Disputing a Payment

If you notice an incorrect charge, contact us first at support@octasolutions.net so we can fix it quickly. Your rights with your bank remain unaffected.