Refund Policy

1. Scope

This Policy applies to payments made to PRYSM AI TECHNOLOGIES LTD for VowLock or another PRYSM service. A purchase from a business using ShmuelOps is a transaction with that business, not with PRYSM, and the business's own return and refund terms apply to that purchase.

2. When a remedy may be available

Contact us where:

• a payment failed but your account was debited;
• you were charged twice or charged the wrong amount;
• a paid service or activation was not delivered;
• the service is defective or materially different from its description; or
• applicable Nigerian law gives you a cancellation, refund, re-performance, repair, replacement or price-reduction right.

Depending on the circumstances, we may correct the transaction, deliver or re-perform the service, repair or replace it, reduce the price, or approve a full or partial refund. We will not require a customer to surrender a right that the law does not allow us to exclude.

3. VowLock commitments

Buying an activation key does not begin a VowLock commitment. The chosen period begins only after successful activation on the enrolled device. VowLock does not automatically renew.

Once a working fixed commitment has started, a change of mind alone does not entitle the user to shorten that period or receive a refund for the part properly supplied. That restriction does not apply where VowLock was not delivered, was wrongly charged, is defective or was materially misdescribed, or where a non-waivable consumer remedy applies.

4. ShmuelOps and FirstVersion

ShmuelOps is in development and has no automatically renewing subscription at present. If PRYSM offers a paid pilot service or feature, the price, service period and any specific cancellation terms shown before payment form part of the purchase, together with this Policy and applicable consumer law.

Submitting a FirstVersion application is not, by itself, a purchase. If a paid programme place or service is offered, its price, delivery date and any programme-specific cancellation terms will be shown before payment. The remedies in section 2 continue to apply.

5. How to request a refund or correction

Email info@prysmai.io with the product or service, purchase email, payment reference, amount and a concise explanation of the issue. Include supporting evidence such as a debit alert or error message where relevant, but do not send a full card number, card security code, banking password or banking login.

We may ask for enough information to verify the payer, transaction and delivery status. We will explain the outcome after reviewing the request. An approved refund will normally be returned through the original payment channel where available. The payment provider or receiving bank may control how long the credit takes to appear.

6. Cancellations and disputes

Where a service has not begun, contact us promptly if you want to cancel. Whether cancellation is available depends on the service, work already performed at your request and any terms shown before payment. We will apply Nigerian consumer law and will not retain money for a service we did not deliver where the law requires a refund.

If you disagree with our decision, reply to the outcome and explain the remedy you seek. You may also use any complaint or dispute right available under applicable law, including contacting the Federal Competition and Consumer Protection Commission.

7. Contact