Valion OS Refund & Cancellation Policy

Effective Date: 30 July 2026
Version: 1.0

This Refund & Cancellation Policy ("Policy") explains how subscriptions, renewals, cancellations, refunds, billing adjustments, and account termination are handled for Valion OS, an AI-powered Business Operating System operated by Largify Solutions (SMC-Private) Limited ("Largify Solutions", "Valion OS", "we", "our", or "us").

This Policy forms part of the Valion OS Terms of Service. By purchasing, subscribing to, or using any paid Valion OS Services, you acknowledge that you have read and agree to this Policy.

Where a signed Enterprise Agreement, Master Services Agreement (MSA), Order Form, or other written contract expressly provides different billing or refund terms, that written agreement shall prevail over this Policy to the extent of any conflict.

Nothing in this Policy limits any mandatory rights provided to consumers under applicable law.

1. Company Information

Legal Entity:
Largify Solutions (SMC-Private) Limited

Product:
Valion OS – AI Business Operating System

Registered Office / Headquarters:
Lahore, Punjab, Pakistan

Phone:
+966 59 736 9443

Website:
https://www.valionos.com

Contact:
https://www.valionos.com/contact

Billing Support:
billing@valionos.com

General Support:
support@valionos.com

2. Scope

This Policy applies to all paid subscriptions and services offered by Valion OS unless a separate written agreement provides otherwise.

This Policy applies to:

• monthly subscriptions;
• annual subscriptions;
• free trials;
• promotional subscriptions;
• enterprise subscriptions;
• custom commercial agreements;
• optional add-on services;
• AI usage purchased through the platform where applicable.

Some products, services, or enterprise agreements may include different commercial terms that are agreed in writing between the parties.

3. Subscription Services

Valion OS is provided primarily as a subscription-based Software-as-a-Service (SaaS) platform.

Subscription plans may include:

• Monthly Plans;
• Annual Plans;
• Enterprise Plans;
• Custom Agreements;
• Promotional Plans;
• Free Trials;
• Future subscription offerings introduced by Valion OS.

Subscription fees grant access to the Services for the applicable billing period and do not transfer ownership of the software or any intellectual property.

4. Merchant of Record

Depending on your location and payment method, subscription payments may be processed by an authorised Merchant of Record or payment provider.

Where Paddle acts as the Merchant of Record, Paddle is the seller of the subscription for that purchase: Paddle processes payments, may calculate and collect applicable taxes, issues invoices or receipts where required, and handles payment processing in accordance with applicable legal requirements. Largify Solutions provides the Valion OS product and related services.

Refunds approved under this Policy may be processed by Paddle or another authorised payment provider using the original payment method where reasonably possible.

Payment processing remains subject to the terms and conditions of the applicable payment provider.

5. Pricing

Subscription pricing is displayed during checkout and may vary based on:

• subscription plan;
• billing frequency;
• number of users;
• optional add-on features;
• promotional discounts;
• enterprise agreements;
• applicable taxes;
• geographic location.

Unless otherwise stated, subscription fees are payable in advance.

Prices may change in accordance with the Terms of Service.

Price changes do not affect subscription periods that have already been paid.

6. Taxes

Unless expressly stated otherwise, displayed prices may exclude taxes required by applicable law.

Where legally required, applicable taxes such as VAT, GST, sales tax, or similar indirect taxes may be collected by Largify Solutions or the Merchant of Record.

Customers remain responsible for any taxes that are legally payable in connection with their purchase, except where collection is required from us by law.

7. Currency

Subscription charges are processed in the currency displayed during checkout.

Banks, credit card providers, and payment providers may apply:

• foreign exchange charges;
• currency conversion fees;
• international transaction fees;
• bank processing fees.

These charges are determined by the relevant financial institution and are not controlled by Largify Solutions.

8. Free Trials

Valion OS may offer free trials or limited evaluation periods.

Unless otherwise stated:

• no payment is required during the free trial period;
• free trials are intended solely for evaluation purposes;
• trial features may differ from paid subscriptions;
• trial periods may be limited by time, features, or usage.

Where payment details are collected before a trial begins, your subscription may automatically convert to a paid subscription at the end of the trial unless cancelled before the renewal date.

No refund is available for unused free trial periods because no subscription fee is charged.

We reserve the right to modify, suspend, or discontinue trial offers at any time.

9. Monthly Subscriptions

Monthly subscriptions are billed in advance on a recurring monthly basis.

Customers may cancel monthly subscriptions at any time.

Cancellation prevents future renewals but does not automatically entitle the Customer to a refund for the current billing period.

Unless otherwise required by applicable law, access to paid features continues until the end of the prepaid subscription period.

No partial refunds or credits are provided for unused portions of a monthly subscription except where expressly stated in this Policy or required by law.

10. Annual Subscriptions

Annual subscriptions are billed in advance and typically include discounted pricing compared with monthly subscriptions.

Customers may cancel automatic renewal at any time before the next renewal date.

Cancellation prevents future renewal but does not automatically create a right to a refund after payment has been processed.

Unless required by applicable law or expressly agreed in writing, annual subscription fees are non-refundable once the subscription period has begun.

Access to paid Services continues until the end of the prepaid annual subscription period unless earlier terminated under the Terms of Service.

11. Automatic Renewal

Unless cancelled before the applicable renewal date, subscriptions automatically renew for successive billing periods.

By purchasing a subscription, you authorise recurring charges using your selected payment method until the subscription is cancelled.

Customers remain responsible for cancelling subscriptions before the next billing date if they do not wish to renew.

Renewal reminders may be provided where required by applicable law, but Customers remain responsible for managing their subscriptions regardless of whether a reminder is received.

12. Promotional Pricing

From time to time, Valion OS may offer:

• introductory pricing;
• promotional discounts;
• coupon codes;
• limited-time offers;
• bundled subscriptions;
• partner promotions.

Unless expressly stated otherwise:

• promotional offers cannot be combined;
• discounts apply only during the stated promotional period;
• promotional pricing does not guarantee future renewal pricing;
• expired promotions cannot be applied retroactively.

Largify Solutions reserves the right to modify or withdraw promotional offers at any time, subject to applicable law.

13. Eligible Refunds

Valion OS is a subscription-based Software-as-a-Service (SaaS) platform. Because Customers receive immediate access to software, infrastructure, and platform resources upon activation, subscription fees are generally non-refundable except as expressly provided in this Policy or where required by applicable law.

Refund requests may be considered in limited circumstances, including:

• duplicate payments resulting from billing errors;
• accidental multiple charges for the same subscription;
• incorrect charges caused by an error in our billing systems;
• payment collected after a confirmed cancellation due to our error;
• technical issues that prevent initial activation of the purchased subscription and cannot be resolved within a reasonable period despite reasonable troubleshooting efforts;
• refunds required by applicable consumer protection laws.

Approval of a refund remains at the reasonable discretion of Largify Solutions or, where applicable, the Merchant of Record.

Approved refunds will normally be issued using the original payment method wherever reasonably possible.

14. Non-Refundable Charges

Unless required by applicable law or expressly agreed in writing, refunds are generally not available for:

• partially used subscription periods;
• unused subscriptions;
• Customer change of mind;
• failure to cancel before automatic renewal;
• failure to use purchased features;
• subscription downgrades after a billing period has begun;
• AI credits, AI usage, or consumption-based services that have already been used;
• onboarding services;
• implementation services;
• migration services;
• configuration services;
• consulting services;
• training services;
• professional services;
• custom development work;
• integration services;
• third-party fees;
• taxes already remitted to tax authorities where recovery is not legally possible;
• accounts suspended or terminated for violation of the Terms of Service;
• temporary service interruptions outside our reasonable control.

Nothing in this section limits any refund rights that cannot legally be excluded under applicable law.

15. Consumer Rights

Where mandatory consumer protection legislation provides cancellation, withdrawal, or refund rights that cannot legally be excluded, those statutory rights remain unaffected by this Policy.

Where legally permitted, Customers acknowledge that digital Services may begin immediately after purchase and that certain statutory withdrawal rights may be limited once digital performance has commenced.

Customers should consult the consumer protection laws applicable in their jurisdiction for additional information regarding statutory rights.

16. Refund Requests

Customers requesting a refund should contact our Billing Team as soon as reasonably possible after identifying the issue.

Refund requests should include, where available:

• account email address;
• subscription information;
• invoice or payment reference;
• date of payment;
• description of the issue;
• supporting documentation where relevant.

Additional information may be requested where reasonably necessary to investigate the request.

Submitting a refund request does not guarantee approval.

Each request is reviewed individually in accordance with this Policy, applicable law, and any applicable commercial agreement.

17. Refund Processing

Where a refund is approved:

• refunds will generally be issued using the original payment method wherever reasonably possible;
• processing is normally initiated within 5 to 10 business days, although actual receipt depends on the payment provider and financial institution;
• exchange rate differences, bank charges, and payment processing fees imposed by third parties may affect the final amount received;
• refund processing times may vary between payment providers and countries.

Largify Solutions is not responsible for delays caused by banks, payment processors, or financial institutions after a refund has been initiated.

18. Cancellation

Customers may cancel their subscription at any time.

Cancellation may be completed:

• through the Valion OS account settings where available;
• by contacting our Billing Team;
• by following cancellation procedures provided by the applicable Merchant of Record.

Cancellation prevents future subscription renewals but does not automatically terminate the current paid subscription period.

Unless otherwise required by law, Customers retain access to paid Services until the end of the prepaid billing period.

Cancellation does not automatically delete the Customer's Account or Customer Data.

19. Upgrades

Customers may upgrade their subscription plan during an active billing cycle.

Where supported by the platform:

• upgraded features become available after successful payment;
• additional subscription fees may be charged on a prorated basis;
• future renewals will occur using the upgraded subscription plan unless changed before renewal.

Upgrade pricing may vary depending on the selected plan and billing period.

20. Downgrades

Customers may downgrade their subscription plan at any time.

Unless otherwise specified:

• downgrades become effective at the start of the next billing cycle;
• existing paid features remain available until the current billing period expires;
• unused portions of the current subscription are not refundable;
• features unavailable under the downgraded plan may become inaccessible after the downgrade becomes effective.

Customers are responsible for ensuring they export or retain any information that may no longer be available under a lower subscription tier.

21. Enterprise Agreements

Customers purchasing Enterprise subscriptions or entering into custom commercial agreements are subject to the billing, payment, renewal, cancellation, and refund provisions contained within their executed agreement.

Where an Enterprise Agreement, Order Form, Master Services Agreement (MSA), or other signed contract conflicts with this Policy, the signed agreement shall prevail to the extent of the conflict.

22. Failed Payments

If a scheduled payment cannot be successfully processed, Largify Solutions or the applicable payment provider may:

• retry the payment using the authorised payment method;
• notify the Customer of the failed payment;
• request an updated payment method;
• temporarily restrict access to premium features;
• suspend subscription benefits;
• suspend or terminate the subscription following continued non-payment in accordance with the Terms of Service.

Customers remain responsible for ensuring that valid payment information is maintained throughout the subscription period.

Failure to pay subscription fees when due may result in interruption of access to paid Services.

23. Billing Disputes

If you believe that you have been incorrectly charged, you should contact our Billing Team promptly before initiating a dispute with your payment provider.

We will make reasonable efforts to investigate legitimate billing concerns and resolve verified billing errors.

Failure to notify us of a billing issue within a reasonable period may affect available remedies where permitted by applicable law.

Nothing in this section limits your statutory rights regarding unauthorised or fraudulent payment transactions.

24. Service Credits

Unless expressly agreed in writing, subscription fees are refunded only in accordance with this Policy.

Service credits, promotional credits, account balances, complimentary subscriptions, or goodwill credits:

• have no cash value;
• are non-transferable;
• are not redeemable for cash;
• may expire in accordance with their applicable terms.

The granting of service credits in one circumstance does not create an obligation to provide similar credits in future situations.

25. Chargebacks

Customers are encouraged to contact Valion OS Billing Support before initiating a chargeback or payment dispute with their bank or payment provider.

Many billing concerns can be resolved more quickly through our support team without interrupting access to the Services.

If a chargeback is initiated:

• the related subscription may be temporarily suspended while the dispute is investigated;
• access to paid Services may be restricted during the investigation;
• recurring billing may be cancelled;
• outstanding balances may remain payable where permitted by applicable law.

Where a chargeback is determined to be fraudulent, abusive, or submitted in bad faith, Largify Solutions reserves the right to:

• permanently suspend the associated Account;
• deny future purchases;
• recover reasonable costs incurred in responding to the dispute where permitted by law;
• pursue any other remedies available under applicable law.

Nothing in this section limits a Customer's legal right to dispute unauthorised or fraudulent payment transactions through their financial institution.

26. Fraud Prevention

Largify Solutions actively monitors transactions and account activity to protect Customers and the Valion OS platform.

We may investigate activity including:

• payment fraud;
• identity theft;
• account takeover attempts;
• credential abuse;
• suspicious login activity;
• automated attacks;
• subscription abuse;
• promotional abuse;
• repeated failed payment attempts;
• attempts to bypass platform security or billing controls.

Where we reasonably believe fraudulent, unlawful, or abusive activity has occurred, we may:

• request identity verification;
• suspend or restrict the Account;
• cancel pending transactions;
• refuse future purchases;
• terminate the subscription in accordance with the Terms of Service;
• cooperate with payment providers and law enforcement authorities where legally required.

These measures are intended to protect both Customers and the integrity of the Valion OS platform.

27. Data After Cancellation

Cancelling a subscription does not immediately delete Customer Data.

Following cancellation:

• paid access generally continues until the end of the prepaid subscription period;
• premium features may become unavailable after the subscription expires;
• the Customer may have a limited opportunity to export available data where technically feasible;
• Customer Data may remain temporarily within active systems or encrypted backups in accordance with our documented retention procedures.

Following the applicable retention period, Customer Data may be permanently deleted in accordance with our:

• Privacy Policy;
• Data Processing Agreement;
• Security Policy;
• internal data retention procedures.

Customers are solely responsible for exporting any information they wish to retain before their subscription expires or their data is permanently deleted.

28. Account Deletion

Cancelling a subscription is different from permanently deleting a Customer Account.

Customers wishing to permanently close their Account may submit an account deletion request through the platform (where available) or by contacting our support team.

Account deletion requests remain subject to:

• applicable legal obligations;
• fraud prevention requirements;
• taxation and accounting requirements;
• security investigations;
• ongoing disputes;
• regulatory record retention obligations.

Where deletion is approved, Customer Personal Data will be handled in accordance with our Privacy Policy and Data Processing Agreement.

29. Payment Providers

Payments for Valion OS may be processed by authorised third-party payment providers.

Depending on the Customer's location and selected payment method, providers may include:

• Paddle;
• bank transfers;
• additional payment providers introduced in the future.

Where Paddle acts as the Merchant of Record, Paddle is responsible for processing payments, collecting applicable taxes, issuing invoices where required, and processing approved refunds in accordance with applicable law and its payment processing responsibilities.

Payment processing remains subject to the terms, conditions, and privacy policies of the applicable payment provider.

30. Policy Updates

Largify Solutions may update this Refund & Cancellation Policy from time to time to reflect:

• changes to our Services;
• legal or regulatory requirements;
• payment provider requirements;
• operational improvements;
• commercial changes;
• new subscription offerings.

When material changes are made, we will update the Effective Date at the beginning of this Policy and may provide additional notice through the Valion OS website, email, or within the Services where appropriate.

Continued use of the Services after the effective date of an updated Policy constitutes acceptance of the revised Policy.

31. Governing Documents

This Refund & Cancellation Policy should be read together with the following documents:

• Terms of Service;
• Privacy Policy;
• Security Policy;
• Data Processing Agreement (DPA);
• Cookie Policy (if published);
• Enterprise Agreements;
• Order Forms;
• Master Services Agreements (MSAs), where applicable.

If this Policy conflicts with a signed Enterprise Agreement, Order Form, or Master Services Agreement, the signed agreement shall prevail to the extent of the conflict.

32. Contact Information

For billing enquiries, subscription management, cancellations, or refund requests, please contact:

Largify Solutions (SMC-Private) Limited
Lahore, Punjab, Pakistan
Valion OS Website: https://www.valionos.com
Billing Support: billing@valionos.com
General Support: support@valionos.com
Company Support: support@largifysolutions.com

Effective Date: 30 July 2026
Version: 1.0
© 2026 Largify Solutions (SMC-Private) Limited. All rights reserved.