Payments & Refunds Policy

Last updated: 2025-09-15

This Payments & Refunds Policy (“Policy”) describes how N0.SaaS (“we,” “our,” or “us”) manages payments, subscriptions, credits, and refunds for the services offered on https://saas.kong0.xyz (the “Service”). By purchasing or using our Service, you agree to this Policy.

1. General Payment Terms

• Payments are processed through third-party providers (e.g., Stripe, PayPal, credit card).
• All prices are displayed in [currency, e.g., USD], unless otherwise specified.
• Taxes, duties, and transaction fees may apply depending on your location.
• You are responsible for ensuring accurate payment information and sufficient funds.

2. Subscriptions

• Automatic Renewal: Subscriptions automatically renew at the end of each billing cycle (monthly or annually) unless cancelled before renewal.
• Upgrades & Downgrades:
  • Upgrades: Effective immediately, prorated charges may apply.
  • Downgrades: Effective from the next billing cycle.
• Cancellation: You may cancel at any time through your account settings. Access remains until the end of the paid period.
• Refunds: Subscription fees are generally non-refundable. Exceptions may apply in cases of duplicate charges, technical errors, or as required by applicable law (e.g., EU 14-day cooling-off period).

3. Credits (Top-up & Bonus)

• Purchase: Credits can be purchased separately and will be added to your account balance. Some top-up packages may include bonus credits.
• Usage: Credits may only be used within our Service and cannot be transferred, exchanged, or resold.
• Validity:
  • Purchased credits: Valid until used.
  • Bonus credits: Do not expire but cannot be refunded.
• Refunds:
  • Top-up orders are eligible for a refund request within 7 days from the purchase date.
  • Refunds only cover unused purchased credits.
  • Bonus credits received with the order will be deducted (reclaimed) if the associated top-up order is refunded.
  • Used credits are strictly non-refundable.

4. Refund Process

• Refund requests should be submitted through our online refund request feature available in your account.
• If you experience issues with the online process, you may contact us at 📧 support@saas.kong0.xyz with your payment details.
• Approved refunds will be processed to the original payment method within 5–10 business days.
• We reserve the right to decline refund requests if they conflict with this Policy.

5. Changes to This Policy

We may update this Payments & Refunds Policy from time to time. Changes will be posted on this page with the “Last updated” date. Continued use of the Service after changes indicates acceptance.