Refund Policy

Product Nerve AI Operated by Product Nerve AI Limited, a company incorporated under the laws of the Federal Republic of Nigeria, with its principal business location in Lagos, Nigeria, trading as Product Nerve AI and Product Nerve ("Product Nerve", "PNAI", "we", "us", "our") Effective date: 25 August 2026 · Last updated: 25 August 2026 Contact: [legal@productnerve.com]

This Refund Policy explains when you can get a refund for a purchase on Product Nerve AI. It is part of our Terms of Service and should be read together with them.

1. Payment processors and merchant of record

Payments are handled by Paystack, by Paddle, or through the Apple App Store or Google Play (managed via RevenueCat), depending on your market and platform. Where Paddle processes your purchase, Paddle.com Market Ltd (or its affiliate) acts as merchant of record: your purchase contract for that transaction is with Paddle, and Paddle's terms and refund handling apply alongside this policy. Where Paystack processes your purchase, Product Nerve AI Limited is the merchant and Paystack is the payment service provider. Mobile purchases are additionally subject to the app store's terms. We never receive your full card details.

2. Project Unlock refunds

A Project Unlock is refundable within 14 days of purchase if the project has not yet been unlocked, accessed, or consumed. Once you affirmatively unlock a project and we begin delivering the analysis, the purchase becomes non refundable to the extent the law allows.

If you are an EU consumer, the unlock flow will ask for your express consent and acknowledgement that immediate delivery of digital content may end your statutory right of withdrawal before unlocking proceeds. Your statutory rights relating to a defective, non conforming, or undelivered service are unaffected.

3. Subscription refunds

Your initial subscription is refundable within 14 days of the first charge. To stop the next renewal, cancel at least 3 days before the next billing date. If a renewal charge still goes through, you can request a voluntary refund within 7 days of that charge.

A subscription used beyond these windows is not ordinarily refundable except where the law requires it. Cancelling stops future renewals without automatically refunding a charge already validly incurred.

4. Refunds for discontinued features

If we materially reduce a paid feature you rely on, you may cancel and receive a pro rata refund of prepaid unused fees for the affected period.

5. Your statutory rights

Nothing in this policy reduces a non waivable statutory right, including the 14 day withdrawal right EU consumer law gives for digital services and digital content, or rights available under Nigeria's Federal Competition and Consumer Protection Act or other applicable consumer protection law. Rights granted by Paddle's or the app stores' own policies for transactions they control apply alongside this policy.

6. How refunds are processed

Approved refunds are processed through the original payment provider. Processing times depend on that provider and your bank or card issuer.

7. How to request a refund

Contact [legal@productnerve.com] with your account email and the purchase you want refunded. We will confirm eligibility under this policy and process approved refunds through the original payment provider.

8. Changes to this policy

We may update this policy with at least 14 days notice for material changes. Continued use of the Service after the effective date is acceptance.