Refund & Cancellation Policy

This Refund & Cancellation Policy (“Policy”) explains how subscription cancellations, refunds and billing are handled for Opei Business Suite (“Platform”), which is owned and operated by Opei Technologies LLC (“Opei”, “we”, “our”, or “us”).

This Policy forms part of the Opei Business Suite Terms of Service.

This Policy applies only to fees charged directly by Opei Technologies LLC for technology services, including:

• Platform subscriptions;
• software licensing;
• implementation services;
• API access;
• premium features;
• support plans; and
• other technology-related services offered by Opei.

This Policy does not apply to fees charged by banks, payment providers, card issuers, foreign exchange providers, remittance providers or other licensed third-party financial institutions. Those fees are governed by the applicable provider's own terms and policies.

Opei Business Suite may offer:

• Monthly subscriptions;
• Annual subscriptions;
• Custom enterprise agreements;
• Usage-based pricing;
• Add-on services.

Pricing and included features are described on the applicable pricing page or in your customer agreement.

You may cancel your subscription at any time through your account settings or by contacting Opei Support.

Unless otherwise stated in your agreement:

• Cancellation prevents future renewals.
• Your subscription remains active until the end of the current billing period.
• You will continue to have access to paid features until your subscription expires.
• No additional subscription charges will be made after cancellation unless you reactivate your subscription.

Cancellation does not automatically delete your account or Customer Data.

Unless required by applicable law or expressly agreed by Opei in writing:

• Subscription fees are non-refundable.
• Partial billing periods are not refunded.
• Unused subscription time is not refundable.
• Downgrading a subscription does not create a refund or credit for previous payments.
• Failure to use the Platform does not entitle you to a refund.

Where Opei offers a free trial:

• No subscription fee is charged during the stated trial period unless otherwise disclosed.
• If a payment method is required, your subscription may automatically convert to a paid plan at the end of the trial unless cancelled before renewal.
• Free trial periods are generally limited to one per customer unless otherwise authorised.

If you believe you have been billed incorrectly, you must notify Opei within 30 days of the charge.

We will investigate the matter and, where appropriate, correct verified billing errors.

If duplicate payments are made due to a billing error attributable to Opei, we will make reasonable efforts to refund the duplicate amount or apply an equivalent credit, unless another remedy is agreed.

Temporary interruptions resulting from scheduled maintenance, emergency maintenance, internet outages, cloud infrastructure failures or events beyond Opei's reasonable control do not automatically entitle customers to refunds.

Where service credits are available under a separate Service Level Agreement (SLA), those credits will be governed by the terms of the SLA.

Customers operating under a separately negotiated enterprise agreement may have refund, cancellation or billing terms that differ from this Policy.

Where there is any inconsistency, the enterprise agreement will prevail.

Certain features available through the Platform connect customers with licensed financial institutions or regulated service providers.

Fees charged by those providers, including but not limited to:

• payment processing fees;
• foreign exchange fees;
• card issuing fees;
• remittance fees;
• banking fees;
• settlement fees; or
• other regulated financial service fees,

are not charged by Opei Technologies LLC and are not refundable by Opei. Questions regarding those fees should be directed to the relevant licensed provider.

Before initiating a chargeback with your payment provider, we encourage you to contact Opei Support so we can investigate and attempt to resolve the issue.

Where a chargeback is initiated without a valid basis, Opei reserves the right, where permitted by law, to:

• suspend the affected account while the dispute is reviewed;
• recover unpaid fees;
• charge reasonable administrative costs associated with the dispute; or
• terminate the account for repeated abusive chargeback activity.

Nothing in this section limits your legal rights to dispute unauthorised or fraudulent transactions.

If your account is terminated due to a material breach of the Terms of Service, unlawful activity or fraudulent conduct:

• outstanding fees remain payable;
• previously paid subscription fees are generally not refundable, except where required by applicable law.

Following cancellation or termination:

• your access to paid features will end at the conclusion of the applicable subscription period, unless terminated earlier under the Terms of Service;
• you may be given a reasonable opportunity to export your Customer Data where technically feasible;
• Opei may retain or securely delete Customer Data in accordance with applicable law, the Terms of Service and the Data Processing & Security Policy.

Opei may update this Refund & Cancellation Policy from time to time.

Material changes will become effective upon publication on the Platform or through another reasonable method of notice.

Your continued use of the Platform after the effective date of an updated Policy constitutes acceptance of the revised Policy.

If you have questions regarding this Policy or believe you have been billed incorrectly, please contact us.

Opei Technologies LLC

Billing Support: billing@opei.business

General Enquiries: info@opei.business

Website: https://opei.business