Refund Policy

Navio LLC · naviopro.ai · Last updated: 2 November 2026 · Effective: 2 November 2026 · Version refunds-2026-11-02

1. About this policy

This Refund Policy is provided by Navio LLC, a Wyoming limited liability company, 30 N Gould St, Ste R, Sheridan, WY 82801, USA (“Navio”, “we”). It applies to purchases made directly from Navio by individual users (Consumer / B2C purchases). Institutional purchases are governed by the Institution’s Order and Part C of our Terms of Service.

This policy forms part of our Terms of Service. If they conflict on refunds, cancellations or withdrawals, this policy prevails — but it never reduces the rights given to you by Part B of the Terms or by law. How we handle payment data is explained in our Privacy Policy.

2. What you can buy

• Payments are made by card through Stripe, in US dollars unless another currency is shown at checkout. We email a receipt after every charge.

• Taxes: for customers in the UK and EEA, displayed prices include VAT. Elsewhere, any sales tax, VAT or GST we must collect is shown before you pay.

• At checkout we show the amount actually charged, the billing frequency, that the plan renews automatically, and how to cancel.

• Credits have no cash value, cannot be transferred, and are used for metered features; the number of Credits a feature uses is shown before you use it (Terms of Service, Section B6).

3. Renewals, reminders and price changes

• Subscriptions renew automatically at the end of each billing period, at that plan’s current price, until you cancel.

• Annual plans: we email you 15 to 30 days before each renewal with the amount, the date and how to cancel.

• All subscribers: at least once a year we email a reminder of your subscription terms and how to cancel.

• Price changes: we tell you at least 30 days before a new price applies to you; you can cancel before then. Price changes never apply to a period you have already paid for.

4. How to cancel

Go to Settings → Subscription → Cancel subscription, or email [email protected]. Cancel at least 24 hours before your next billing date to avoid the next charge. You will receive an email confirming the cancellation and the date your access ends.

You keep full access until the end of the period you paid for. After that your account moves to the free plan; your profile, CVs and results are kept as described in our Privacy Policy. Cancelling stops future charges; to ask for a refund, see Section 5.

5. When you can get a refund

The 14-day guarantee applies once per person, to your first ever paid Quarterly or Annual subscription. It does not restart if you cancel and subscribe again or switch plans. If you switch to a longer plan, the unused part of your current period is credited towards the new plan rather than refunded in cash.

6. When we don’t refund

Outside Section 5, and subject to your legal rights in Section 9, we do not refund:

• the rest of a billing period after you cancel part-way through (you keep access until it ends instead);

• Monthly subscription payments, including your first one (billing errors and the other cases listed in Sections 5 and 9 still apply);

• a billing period in which you used paid features, after the 14-day guarantee window;

• Credits already used, expired Credits, or bonus or promotional Credits;

• results you disagree with, such as a career-test match, an interview score or a university recommendation;

• requests made after the deadlines in Section 5;

• accounts we closed because of fraud, chargeback abuse or a serious breach of our Terms of Service, except where the law requires a refund.

7. How we calculate the value of used Credits

• Credit packs: value of one Credit = pack price ÷ number of Credits in the pack. Refund = pack price − (Credits used × value of one Credit).

• Credit allowance included in a subscription: the deduction is the share of the allowance you used, applied to the subscription payment (for example, if you used 40% of the included allowance, 40% of the payment is deducted).

• Credits are used in the order they expire. The refund is never more than the amount you paid and never less than zero.

8. Minors

Navio consumer accounts and purchases are for adults aged 18 and over. If a person under 18 has paid for Navio, a parent or guardian can email [email protected] and we will refund the purchase in full, close the account and delete the data.

9. Your rights where you live

Nothing in this policy limits the rights you have under the consumer law of the country or state where you live.

10. How to request a refund

Email [email protected] with the subject Refund request, from the email on your Navio account. Please include the date and amount of the charge and which situation in Section 5 or 9 applies, or a short reason.

We reply within 3 business days. If your refund is approved, we send it to the original payment method within 14 days of your request; your bank may take another 5–10 business days to show it. Refunds are made in the currency you paid; we do not cover exchange-rate differences charged by your bank.

Chargebacks: please contact us first — it is usually faster. If you file a chargeback while a refund request is open with us, we may pause paid features until your bank decides. We never delete your data because of a chargeback.

11. Changes and contact

We may update this policy. If a change reduces your rights, we will email you at least 30 days before it applies, and it will not affect charges made before then.