Refund & Cancellation Policy

This Refund and Cancellation Policy outlines the terms under which InsitePro and its products—Natepay, GetCaboo, and Caboo.design—process refunds, cancellations, and chargebacks.

By using our services, you acknowledge and agree to the terms set forth in this policy. We encourage you to read this policy carefully before making any purchases or subscriptions.

**GetCaboo and Caboo.design Subscriptions**

Our SaaS products operate on a subscription basis with the following terms:

**Monthly Subscriptions** - You may cancel your subscription at any time before the next billing cycle - Upon cancellation, you retain access until the end of your current billing period - No pro-rata refunds are provided for partial months

**Annual Subscriptions** - Annual plans are paid upfront for the full year - Cancellation requests within the first 14 days may be eligible for a full refund - After 14 days, cancellations will not result in a refund, but you retain access until the subscription period ends

**Free Trials** - Free trial periods do not require payment information - If you subscribe after a trial, standard subscription terms apply

**Payment Processing**

Natepay facilitates payments between employers/clients and workers. The following policies apply:

**Completed Transactions** - Once a payment has been successfully processed and delivered to a recipient, it is generally non-refundable - The sender must resolve payment disputes directly with the recipient

**Failed Transactions** - If a transaction fails to process, funds will be returned to the sender within 3-5 business days - No fees are charged for failed transactions

**Unauthorized Transactions** - Report unauthorized transactions immediately to support@natepay.co - We will investigate and may reverse unauthorized transactions at our discretion - Reports must be made within 30 days of the transaction date

**Platform Fees** - Platform fees charged by Natepay are non-refundable once a transaction is successfully completed - If a refund is processed between parties, platform fees may still apply

Refunds may be issued under the following circumstances:

**Eligible for Refund:** - Duplicate charges due to technical errors - Service not delivered as described - Technical issues preventing access to paid features (verified by our team) - Billing errors on our part - Unauthorized account charges (with verification)

**Not Eligible for Refund:** - Change of mind after purchase - Failure to use the service during the subscription period - Dissatisfaction with features that were accurately described - Account termination due to Terms of Service violations - Partial use of subscription period - Third-party fees or charges

To request a refund, please follow these steps:

**Step 1: Contact Support** Email our support team at the appropriate address: - General inquiries: nathan@insitepro.co - Natepay: support@natepay.co - GetCaboo: support@getcaboo.com

**Step 2: Provide Required Information** Include the following in your request: - Your account email address - Transaction ID or invoice number - Date of purchase - Reason for refund request - Any supporting documentation

**Step 3: Review Process** - We will review your request within 5 business days - You will receive an email notification of our decision - Approved refunds are processed within 7-10 business days

**Step 4: Refund Method** - Refunds are issued to the original payment method - Bank transfers may take additional time depending on your financial institution

**Our Chargeback Policy**

We encourage customers to contact us directly before initiating a chargeback with their bank or payment provider. We are committed to resolving issues fairly and promptly.

**If You Initiate a Chargeback:** - Your account may be suspended pending investigation - We will provide transaction records to the payment processor - Fraudulent chargeback claims may result in permanent account termination - You may be responsible for chargeback fees if the dispute is resolved in our favor

**Dispute Resolution** - We participate in payment processor dispute resolution programs - Our team will respond to all disputes within the required timeframes - We maintain detailed records of all transactions and user agreements

**Prevention** - Review your charges carefully before disputing - Contact our support team first—we're here to help

**How to Cancel**

**Subscription Cancellation:** - Log into your account dashboard - Navigate to Settings > Subscription - Click "Cancel Subscription" - Confirm your cancellation

Alternatively, email our support team with your cancellation request.

**Effective Date:** - Cancellations take effect at the end of your current billing period - You retain full access until the period ends - No partial refunds are provided

**Account Deletion:** - Account deletion requests are separate from subscription cancellation - To delete your account and data, email privacy@insitepro.co - Account deletion is permanent and cannot be undone - See our Privacy Policy for data retention details

**Service Modifications**

InsitePro reserves the right to modify, update, or discontinue services:

**Feature Changes:** - We may add, modify, or remove features at our discretion - Feature changes do not automatically qualify for refunds - Material changes will be communicated in advance when possible

**Service Discontinuation:** - If we discontinue a service, active subscribers will receive: - Advance notice (minimum 30 days when possible) - Pro-rata refund for unused subscription time - Data export options where applicable

**Pricing Changes:** - Price increases will not affect current billing cycles - You will be notified at least 30 days before new pricing takes effect - You may cancel before the new pricing applies

**Promotional Offers**

- Discounted or promotional subscriptions may have different refund terms - "No refund" promotions will be clearly stated at purchase - Free tier services are provided as-is with no refund implications

**Enterprise and Custom Plans**

- Enterprise customers should refer to their individual service agreements - Custom refund terms may be negotiated in enterprise contracts - Contact your account manager for enterprise refund requests

**Exceptional Circumstances**

We may consider refunds outside standard policy for: - Extended service outages (verified by our status page) - Critical bugs preventing core functionality - Documented medical or hardship situations (reviewed case-by-case)

For refund requests, billing questions, or policy clarifications:

**Email Contacts:** - General: nathan@insitepro.co - Natepay Support: support@natepay.co - GetCaboo Support: support@getcaboo.com - Privacy & Data: privacy@insitepro.co

**Response Times:** - Initial response: Within 24-48 business hours - Refund decisions: Within 5 business days - Refund processing: 7-10 business days after approval

**Business Address:** InsitePro Technologies Lagos, Nigeria

We are committed to fair and transparent refund practices. If you have concerns about this policy, please reach out—we're here to help.