Refund Policy

This Refund Policy applies to all Pro and Premium subscription payments made through RayAI via PayMongo using GCash or Maya QR code.

1. No Refunds on Processed Payments

Subscription payments are non-refundable once processed. This includes initial subscription payments and automatic renewal charges. Because your plan grants immediate access to unlimited AI tailoring, cover letters, and interview coaching, we do not offer partial-use or "I didn't use it enough" refunds.

2. Cancelling Your Subscription

You can cancel your subscription at any time from your account. Cancelling stops future renewal charges, but does not refund the current billing period - you retain Pro/Premium access until the end of the period you already paid for, after which your account automatically reverts to the Free plan.

3. Erroneous or Duplicate Charges

If you believe you were charged in error - for example, a duplicate charge, a charge after you had already cancelled, or a charge that does not match the plan/billing cycle you selected - contact us within 14 days of the charge at raymart.leyson.rl@gmail.com with your account email and payment reference number. We will investigate and, if the charge is confirmed to be erroneous, issue a correction or refund via PayMongo to your original payment method.

4. Failed or Unverified Payments

If a payment is not confirmed by PayMongo or your plan is not activated after payment, contact us with your payment reference number so we can verify the transaction and manually activate your plan, or refund the charge if it cannot be verified.

5. Plan Downgrades

Downgrading from Premium to Pro (or to Free) takes effect at the end of your current billing period. We do not issue partial refunds for the difference in plan price mid-cycle.

6. Chargebacks

Please contact us before initiating a chargeback with your bank or e-wallet provider - we're able to resolve most billing issues directly and faster than a formal dispute. Accounts with unresolved chargebacks may be suspended pending investigation.

7. Contact

For billing questions or refund requests, email raymart.leyson.rl@gmail.com with your account email and, if applicable, your PayMongo payment reference number.