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Payments & Refunds Policy

Last updated: 15th December 2025

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

1. General Payment Terms

  • Payments are processed securely through third-party providers (e.g., Stripe, PayPal, credit card).
  • All prices are displayed in [currency, e.g., USD], unless otherwise specified.
  • Applicable taxes, duties, or transaction fees may be applied based on your location.
  • You are responsible for providing accurate payment information and maintaining sufficient funds.
  • N0.SaaS may update pricing or payment methods, and such changes will be communicated prior to taking effect.

2. Subscriptions

  • Automatic Renewal: Subscriptions automatically renew at the end of each billing cycle (monthly or annually) unless cancelled prior to renewal. Users are responsible for cancelling if they do not wish to continue.
  • Upgrades & Downgrades:
    • Upgrades: Effective immediately. Charges may be prorated based on the remaining billing period.
    • Downgrades: Effective from the next billing cycle; current billing period charges remain unchanged.
  • Cancellation: You may cancel your subscription at any time through your account settings. Access to the Service continues until the end of the paid period.
  • Refunds: Subscription fees are generally non-refundable. Exceptions may apply in cases of duplicate charges, technical errors preventing reasonable use, 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 packages may include bonus credits.
  • Usage: Credits can only be used within the Service and are non-transferable, non-exchangeable, and not for resale.
  • Validity:
    • Purchased credits: valid for 12 months (365 days) from the date of purchase.
    • Bonus credits included with the purchase: valid for 12 months (365 days) from the date of purchase.
  • Refunds:
    • Refund requests for top-up orders must be submitted within 7 days from the purchase date.
    • Only unused purchased credits are eligible for refunds.
    • Any bonus credits associated with the refunded top-up will be removed from your account.
    • Used credits are strictly non-refundable.

4. Refund Process

  • Refund requests should be submitted via the Refund Request feature in your account.
  • If the online process is unavailable, 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 that do not comply 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 of the updated Policy.