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Refund Policy

Last updated: 2026-05-24 · Version: 1.0.0

This Refund Policy applies to subscription fees paid to Zed Apply (ZedApply), a subsidiary of Vergeo Group, through our payment partners Lenco (mobile money) and DPO Pay (cards). All amounts are in Zambian Kwacha (ZMW); internal records use ngwee (1 ZMW = 100 ngwee).

This policy supplements our Terms of Service. If there is a conflict on refunds, this policy prevails for refund eligibility.

Contact: convergeozambia@gmail.com · In-app: open Bwana chat and type talk to human for billing help.

1. Overview

We want you to be confident upgrading to a paid tier. Refunds are handled fairly and consistently with the rules below. Promotional checkout prices (e.g. first-month discounts) do not change your right to an eligible refund under §2 — refunds are based on the amount actually charged.

2. Seven-day money-back guarantee (no AI documents used)

If you upgrade to a paid tier and have not generated any AI documents on your account after that charge, you may request a full refund within 7 calendar days of the payment date.

AI documents include, without limitation:

AI-generated tailored CVs
AI-generated cover letters
Other AI-written application or interview materials delivered through Zed Apply

Our systems record successful generations against your user ID. If any AI document generation appears after the charge date, §2 does not apply — see §4.

No detailed justification is required for eligible §2 requests.

3. Prorated refund on tier downgrade

If you downgrade to a lower paid tier or to Free during an active billing period (before renewal), you may request a prorated refund for the unused portion of the higher tier, at our discretion and subject to processor rules.

Proration runs from the downgrade date to the end of the current paid period.
Mobile-money reversals may take 3–10 business days to appear.
Downgrading alone does not automatically refund — you must request under §6.

4. Non-refundable when AI documents were generated

Subscription fees are non-refundable once you have generated AI documents during the billing period in question, even within 7 days of payment, because the paid feature has been consumed.

This includes partial use (e.g. one cover letter).

5. Renewals, cancellations, and repeat refunds

Automatic renewals are generally non-refundable once the new period starts.
Cancellation stops future charges; it does not refund the current period unless you qualify under §2, §3, or §7.
Accounts that already received a §2 refund may not claim another 7-day no-questions refund on a later plan.
Failed or duplicate charges: contact us promptly; we will correct processor errors.

6. How to request a refund

In-app (preferred): Bwana chat → talk to human. Include your phone (+260…), charge date, tier, and whether you used AI documents.
Email: convergeozambia@gmail.com with the same details.

We aim to respond within 2 business days. Approved refunds are returned to the original payment method where the processor allows; otherwise we agree an alternative (e.g. Lenco reversal).

7. Material service unavailability

We may issue partial or full refunds at our discretion if paid features were materially unavailable for a sustained period due to a fault on our side (not due to your device, network, or WhatsApp account issues). Contact us under §6 with dates and symptoms.

8. Chargebacks

Contact us before initiating a bank or mobile-money chargeback. Chargebacks for legitimately delivered paid features may lead to account suspension pending investigation.

9. Free tier and promotional pricing

The free tier (K0) involves no payment and no refund. Promotional half-price checkout does not waive §2 eligibility — you may still qualify for a full refund of the amount paid within 7 days if §2 conditions are met.

10. Tax and records

Refunds may be net of non-recoverable processor fees where permitted. We retain payment records as required by Zambian law.

11. Changes

We may update this policy. Material changes will be posted at /legal/refund with an updated "Last updated" date. Continued use of paid tiers after the effective date constitutes acceptance.