This Refund & Billing Policy explains how subscription fees, implementation fees, billing, renewals, cancellations, and refunds are handled for KatalystIQ, operated by Naga Info Solutions Pvt. Ltd. (“Company”, “we”, “our”, or “us”).

This Policy forms part of our:

• Terms & Conditions
• Privacy Policy

By purchasing or using KatalystIQ, you agree to this Refund & Billing Policy.

1. Subscription Plans

KatalystIQ is offered through recurring subscription plans.

Your subscription grants access to the Platform according to the plan you purchase.

Subscription plans may differ based on:

• Monthly lead processing capacity
• Enterprise services
• Support levels
• Other commercial terms published by the Company

Unless otherwise stated, all Platform capabilities are available across all subscription plans.

2. Platform Subscription Fees

Subscription fees are charged in advance on a recurring basis.

Subscriptions may be billed:

• Monthly
• Annually
• According to a custom enterprise agreement

Applicable taxes are charged where required by law.

3. One-Time Implementation Fee

Most customers require an initial implementation before using the Platform.

Implementation is provided through KatalystIQ Velocity, our done-for-you onboarding and deployment service.

Implementation may include:

• Business discovery
• AI knowledge base creation
• Lead Machine setup
• Workflow development
• CRM integration
• Third-party integrations
• AI configuration
• Testing
• User training
• Deployment assistance

Implementation fees are quoted separately unless otherwise specified.

4. Third-Party Costs

Certain Platform capabilities rely on third-party providers.

Examples include:

• AI providers (such as OpenAI, Anthropic, Google Gemini)
• Email delivery platforms
• CRM platforms
• Data enrichment providers
• Voice AI providers
• WhatsApp providers
• SMS providers
• Cloud infrastructure

Unless expressly stated otherwise, these services are billed directly by their respective providers and are not included in your KatalystIQ subscription.

Customers are responsible for maintaining active accounts and paying all applicable third-party charges.

5. Payment Methods

We accept payment through approved payment methods made available during checkout or invoicing.

You agree to provide:

• Accurate billing information
• Valid payment details
• Current contact information

You are responsible for keeping your payment information up to date.

6. Automatic Renewal

Subscriptions automatically renew at the end of each billing period unless cancelled before the renewal date.

By subscribing, you authorize recurring charges using your selected payment method.

Renewals continue until cancelled in accordance with this Policy.

7. Failed Payments

If payment cannot be successfully processed, we may:

• Retry the payment
• Notify you of the failed transaction
• Suspend Platform access
• Restrict certain functionality
• Terminate your subscription after reasonable notice

Outstanding balances remain payable.

8. Billing Disputes

If you believe an invoice or charge is incorrect, you should notify us promptly.

Billing inquiries should include:

• Invoice number
• Date of charge
• Description of the issue
• Supporting information where available

We will investigate billing disputes in good faith and respond within a reasonable timeframe.

9. Refund Policy

Unless required by applicable law or expressly agreed in writing:

Subscription Fees

Subscription fees are generally non-refundable.

This includes:

• Partial billing periods
• Unused subscriptions
• Downgrades during an active billing cycle
• Failure to use the Platform

Implementation Fees

Implementation services begin shortly after project commencement.

Because implementation involves dedicated professional services, implementation fees are non-refundable once work has commenced.

Professional Services

Consulting, onboarding, training, workflow development, integrations, and other professional services are non-refundable once delivered.

10. Cancellation Policy

Customers may cancel their subscription at any time.

Cancellation will:

• Prevent future recurring charges
• Allow continued Platform access until the end of the current paid billing period (unless otherwise specified)
• Not automatically generate refunds for the current billing period

Implementation services already performed remain payable.

11. Plan Upgrades

Customers may upgrade to a higher subscription plan at any time.

When upgrading:

• Additional charges may be applied on a prorated basis where applicable.
• New pricing may become effective immediately or at the next billing cycle, depending on the billing arrangement.

12. Plan Downgrades

Customers may downgrade their subscription.

Downgrades generally become effective at the start of the next billing cycle unless otherwise agreed.

Downgrading may reduce available processing capacity or other plan-specific limits.

13. Price Changes

We may revise subscription pricing from time to time.

Where reasonably practicable, existing Customers will receive advance notice before pricing changes become effective.

Updated pricing generally applies upon renewal unless otherwise stated.

14. Promotional Pricing

From time to time, we may offer:

• Introductory pricing
• Promotional discounts
• Trial offers
• Limited-time campaigns

Promotional pricing:

• Applies only for the stated promotional period.
• Cannot generally be combined with other offers unless expressly stated.
• May revert to standard pricing after the promotional period ends.

15. Taxes

Customers are responsible for any applicable:

• Sales tax
• VAT
• GST
• Withholding taxes
• Government levies

Unless otherwise stated, published prices exclude applicable taxes.

16. Currency

Subscription pricing is generally quoted in the currency specified on the website, quotation, or invoice.

Where currency conversion occurs, exchange rates are determined by your payment provider or financial institution.

The Company is not responsible for currency conversion charges.

17. Fair Usage

Certain plans may be described as “Unlimited.”

Unlimited plans remain subject to our Fair Usage Policy to ensure reliable Platform performance for all Customers.

Where usage materially exceeds normal commercial use, we may:

• Contact the Customer
• Recommend an upgraded plan
• Apply reasonable usage controls
• Require migration to a more suitable subscription

18. Suspension for Non-Payment

We reserve the right to suspend or terminate Platform access if:

• Subscription payments remain overdue.
• Payment methods become invalid.
• Fraudulent payment activity is detected.
• Outstanding invoices remain unpaid after reasonable notice.

Access may be restored once outstanding balances are settled.

19. Exceptions

Nothing in this Policy limits any rights that cannot legally be excluded under applicable consumer protection laws.

Where mandatory law provides additional refund rights, those rights shall prevail.

20. Contact Us

For billing questions, subscription changes, or refund inquiries, please contact:

Naga Info Solutions Pvt. Ltd.

KatalystIQ

Website: https://katalystiq.io

Email:support@nagainfo.com

Acknowledgement

By purchasing or using KatalystIQ, you acknowledge that you have read, understood, and agree to this Refund & Billing Policy.