Refund and Return Policy

Effective Date: 5th April 2025

This Refund and Return Policy (hereinafter referred to as "Policy") sets forth the terms and conditions governing requests for refunds and the applicability of returns in relation to services rendered by Najoomi Technologies SMC-Pvt. Ltd. (hereinafter referred to as "Najoomi", "we", "our", or "us") through its digital platforms, including but not limited to QuickTalk and Xperia (hereinafter collectively, the "Services").

Scope and Applicability

• This Policy applies to all Customers, clients, or end-users (hereinafter referred to as "Customer" or "you") who subscribe to, purchase, or otherwise access the Services offered by Najoomi.
• As the Services constitute digital and/or cloud-based software platforms, this Policy does not apply to physical goods or tangible products.
• Any separate contractual arrangement executed between Najoomi and the Customer shall take precedence over this Policy to the extent of any conflict.

Nature of the Services

• Najoomi provides software-as-a-service (SaaS) products that are licensed for access, use, and deployment over the internet. These are non-transferable, non-tangible, and immediately accessible after activation or onboarding.
• Owing to the real-time and intangible nature of digital software services, standard return provisions applicable to physical goods are inapplicable.

General Refund Principles

• All payments made to Najoomi for access to its Services are non-refundable, unless expressly stated in this Policy or under applicable law.

Refunds will not be issued in the following cases:

• Change of mind or user preference;
• User's failure to utilize the Services after purchase;
• Lack of understanding of service features clearly explained in documentation or onboarding;
• Technical issues not attributable to Najoomi, including internet outages, third-party service disruption, or device compatibility problems.

Refunds may be considered and processed under exceptional circumstances, including but not limited to:

• Duplicate or erroneous transactions (e.g., double billing);
• Proven and sustained technical failure of the platform, preventing access to core functionalities for a continuous period exceeding five (5) business days, subject to verification by Najoomi;
• Transactions charged after valid account cancellation, where such cancellation was confirmed in writing by Najoomi.

Subscription Models and Prepaid Plans

• Customers subscribing to monthly, quarterly, or annual plans are responsible for managing their subscriptions. Refunds will not be issued for unused portions of a subscription period once the term has commenced.
• In the event a subscription is cancelled mid-cycle, access shall remain active until the end of the current billing period unless otherwise agreed in writing.
• Any introductory discounts or promotional offers applied to a purchase are not refundable or transferable.

Trials and Demos

• If a free trial or demo access is offered for evaluation purposes, Customers are encouraged to fully assess the Service before making any financial commitment.
• Refunds will not be issued once a free trial has been converted to a paid subscription, unless clearly provided for under a separate written agreement or this Policy.

Procedure for Requesting Refunds

• To initiate a refund request, Customers must submit a formal email to hello@najoomi.ai within seven (7) calendar days of the transaction or event giving rise to the refund request.

The request must include the following details:

• Full name and registered email address;
• Date and description of the transaction;
• Invoice number or transaction reference;
• Clear explanation of the reason for the refund request;
• Any supporting documentation or screenshots (if applicable).

Najoomi shall evaluate refund requests in good faith and respond within ten (10) business days. Additional time may be required where verification or third-party payment gateway communication is necessary.

If approved, refunds will be processed using the original payment method. Najoomi shall not be liable for any delays caused by third-party banks, payment gateways, or processors.

No Returns of Digital Services

• As the Services are digital and non-returnable, Najoomi does not accept returns of Services once access credentials have been issued or the platform has been used.
• Customers retain the right to discontinue use of the Service at any time, but this does not entitle them to a refund or credit unless otherwise specified herein.

Chargebacks and Dispute Misuse

• Initiating a chargeback or payment dispute through your financial institution without first contacting Najoomi constitutes a breach of this Policy and may result in immediate suspension of Services.
• Najoomi reserves the right to contest all chargebacks, and in cases of misuse, to recover associated administrative or legal costs from the Customer.

Modifications to the Policy

• Najoomi reserves the right to amend, modify, or update this Policy at its discretion. All changes shall become effective upon posting on Najoomi's official website or upon written notice to the Customer.
• It is the Customer's responsibility to review this Policy periodically. Continued use of the Services shall constitute the Customer's acceptance of any revisions.

Governing Law and Jurisdiction

This Policy shall be governed by and construed in accordance with the laws of the Islamic Republic of Pakistan, unless the Customer is contracting with a Najoomi affiliate or authorized partner in a different jurisdiction, in which case the governing law of that jurisdiction shall apply.