Refund and Cancellation Policy

1. Overview

This Refund and Cancellation Policy explains how subscriptions, billing, refunds, and cancellations work when you purchase a paid Talivo plan from Elyas Fahmi Ahmed Abdullah, trading as Talivo. It applies in addition to our Terms of Service. By subscribing to a paid plan, you agree to this policy.

2. Beta and Free Access

During the beta period, Talivo may be offered free of charge. This policy applies when paid plans are enabled and you are charged through our checkout flow.

3. Billing and Payment

Paid subscriptions are billed in advance on a recurring monthly basis in USD unless otherwise stated at checkout. PayPro Global acts as Merchant of Record: they process payments, issue receipts, and handle applicable taxes and invoicing where required on our behalf.

• Charges appear on your statement as shown at checkout (typically under PayPro Global or Talivo)
• Pricing, included resume analyses, and plan limits are described on our pricing page and confirmed at checkout
• Your subscription renews automatically each billing period unless you cancel before the renewal date

4. Subscription Cancellation

You may cancel your subscription at any time. When you cancel:

• Your subscription remains active until the end of the current paid billing period
• You will not be charged again unless you re-subscribe
• After the period ends, your account may be downgraded to the Free plan or access to paid features may be limited according to plan rules described at checkout
• To cancel, use the billing management options provided in your account, receipt email, or payment provider portal, or contact us at the email below

5. Refund Eligibility

We want you to be confident in Talivo. Unless a different remedy is required by applicable consumer law, the following applies:

• First-time paid subscription: If you are unhappy with your first paid subscription, you may request a full refund within 14 days of the initial charge, provided you have not substantially consumed the service (for example, more than 25 resume analyses in that billing period)
• Renewals: Subscription renewal charges are generally non-refundable once the new billing period has begun
• Overage and usage-based charges: Additional resume analyses billed beyond your plan limit are non-refundable once incurred, as described on our pricing page
• Partial periods: We do not provide prorated refunds for unused time within a billing period after the refund window above has passed

6. How to Request a Refund

To request a refund or billing help:

• Email hello@talivo.app from the address associated with your Talivo account
• Include your account email, the charge date, and a brief reason for the request
• We will review eligible requests within 5 business days and process approved refunds to your original payment method
• Refund processing times depend on your bank or card issuer and may take additional business days to appear

To exercise these rights, contact us at hello@talivo.app.

7. Chargebacks and Disputes

If you have a billing issue, please contact us before opening a payment dispute or chargeback with your bank. We will work in good faith to resolve legitimate concerns. Unfounded chargebacks may result in suspension of your account while the dispute is investigated.

8. Plan Changes and Failed Payments

• If you upgrade or downgrade, changes take effect according to the rules shown at checkout or in your billing portal
• If a payment fails, we may retry the charge or suspend paid features until payment succeeds
• We may change plan prices or limits with reasonable notice; changes apply to future billing periods unless otherwise required by law

9. Consumer Rights

Nothing in this policy limits mandatory rights you may have under applicable consumer protection laws in your country or region. If you are an EU/UK consumer, you may have statutory withdrawal rights for certain digital services; contact us if you believe those rights apply to your purchase.

10. Changes to This Policy

We may update this Refund and Cancellation Policy from time to time. The "Last updated" date at the top of this page will reflect the latest version. Material changes may be communicated by email or in-product notice where appropriate.

11. Contact

Questions about this document? Contact us at hello@talivo.app or visit our contact page.