Refund Policy

1. Overview

This Refund Policy explains how Navo handles cancellations, refunds, payment-verification issues, free trials, paid subscriptions, and custom Enterprise agreements.

By purchasing or activating a paid Navo plan, you agree to this Refund Policy together with the applicable plan details and the Navo Terms of Service.

2. Free trials

Navo may provide eligible users with a 14-day free trial unless a different trial period is displayed when the trial begins.

Navo does not automatically charge users when the free trial expires. If no payment was collected during the trial, there is no payment to refund.

When a trial expires, access may be suspended, restricted, or changed to a limited mode until the user activates a paid plan.

3. Starter and Pro subscriptions

Starter and Pro plans may be offered as monthly or annual subscriptions.

A user may cancel a subscription before the next renewal or extension date. Cancellation prevents future renewal or extension but does not automatically refund the current paid period.

Payments already received are generally non-refundable unless:

• A refund is required by applicable law.
• A duplicate or incorrect charge occurred.
• A verified technical problem prevented reasonable access to the purchased service.
• Navo approves the request after reviewing the circumstances.

Unless otherwise stated, access to paid features may remain available until the end of the applicable paid period.

4. Enterprise plans and custom agreements

Enterprise plans may involve custom pricing, onboarding, migration, user limits, workspace configuration, support arrangements, or other negotiated terms.

Refunds, cancellations, payment schedules, and termination rights for an Enterprise customer may be governed by a separate proposal, invoice, order form, or written agreement.

Where a separate Enterprise agreement conflicts with this Refund Policy, the separate written agreement will control for that customer.

5. Manual payment verification

Navo may accept manually verified payments through supported methods such as Payoneer, Whish Money, OMT Pay, Neo, bank transfer, or another approved payment method.

Users may be required to provide a transaction reference, sender name, receipt, screenshot, or other payment evidence before access is activated.

Submitting payment evidence does not itself confirm payment. Paid access is activated only after Navo verifies that the correct payment was received.

If a payment cannot be verified, Navo may request additional information before approving or rejecting the submission.

6. Duplicate and incorrect payments

If you believe that you paid twice for the same subscription or paid an incorrect amount, contact Navo promptly.

Include:

• The email address associated with your Navo account.
• The payment date.
• The amount paid.
• The payment method.
• The transaction reference or receipt.

Verified duplicate or incorrect payments will be corrected or refunded as appropriate.

7. Technical access problems

If Navo verifies that payment was received but a technical problem caused by Navo prevents access to the purchased plan, we will first attempt to restore access or correct the issue.

If the issue cannot be resolved within a reasonable period, Navo may provide an access extension, account credit, partial refund, or full refund depending on the severity and duration of the problem.

8. Third-party payment fees

Banks, card issuers, digital wallets, transfer providers, and other payment services may apply transaction fees, withdrawal fees, foreign-exchange charges, conversion rates, or processing costs.

These external charges are controlled by the applicable provider and may not be refundable by Navo.

A refunded amount may differ from the original amount received by the user because of exchange-rate changes or third-party processing fees.

9. Circumstances that do not automatically qualify for a refund

Refunds are not automatically provided because:

• You changed your mind after purchasing a plan.
• You did not use the available features.
• You forgot to cancel before a renewal or extension.
• You entered incomplete, outdated, duplicated, or inaccurate information.
• A report, calculation, forecast, or readiness indicator differed from actual results.
• Your business or personal financial outcome differed from your expectations.
• A third-party CSV export required manual correction or mapping.
• A feature available during beta was modified or discontinued.

Navo may still review exceptional circumstances individually.

10. Financial and business outcomes

Navo provides financial organization, reporting, budgeting, invoicing, forecasting, and decision-support tools based on user-provided information.

Navo does not guarantee specific financial, accounting, tax, business, employment, investment, or personal outcomes.

Refunds are not provided solely because a user’s revenue, profit, financial readiness, runway, expenses, or business performance differs from an estimate shown by Navo.

11. Chargebacks and payment disputes

Before initiating a chargeback or payment dispute, contact Navo so that we can investigate and attempt to resolve the issue.

Navo may provide relevant payment, access, account, and communication records to the payment provider when responding to a dispute.

Fraudulent or abusive payment disputes may result in account suspension or termination.

12. How to request a refund

Submit a refund request through the official support channels published on the Navo website.

Your request should include:

• Your Navo account email.
• The plan purchased.
• The amount and date of payment.
• The payment method.
• The transaction reference or receipt.
• A clear explanation of the reason for the request.

Navo may request additional information needed to verify the account, payment, or circumstances.

13. Refund review and processing

Refund requests are reviewed case by case. Submission of a request does not guarantee approval.

Approved refunds will generally be returned through the original payment method where reasonably possible. If that is not possible, Navo may arrange another appropriate method.

Payment providers and financial institutions may require additional processing time after Navo approves a refund.

14. Consumer rights

Nothing in this Refund Policy limits any cancellation, withdrawal, refund, or consumer-protection right that cannot legally be excluded under applicable law.

15. Changes to this policy

Navo may update this Refund Policy when plans, payment methods, subscription processes, or legal obligations change.

The revised policy will display an updated effective date. Where a change materially affects existing paid users, Navo will make reasonable efforts to provide notice.

16. Contact

Questions, cancellation requests, or refund requests may be submitted through the official support channels published on the Navo website.

Navo is operated by Mohamad Beydoun, doing business as Navo, in Beirut, Lebanon.