Refund Policy

1. Overview

This Refund Policy sets out the circumstances under which Circinova (sole trader) ("Circinova", "we", "us") will issue refunds for subscriptions to the Circinova compliance automation platform ("Service"). This policy forms part of our Terms of Service at circinova.com/legal/terms.

Circinova's Service is a business-to-business (B2B) SaaS offering. As a general principle:

• Monthly subscriptions are not eligible for refunds for partial months already commenced.
• Annual subscriptions are eligible for pro-rated refunds of unused full months if cancelled within 30 days of the most recent annual renewal date, subject to the conditions below.
• Free plan users have nothing to refund.
• Free trial users are never charged.

We encourage you to use the free trial and the Free plan to evaluate the Service before committing to a paid subscription. If you have any billing queries, please contact us at support@circinova.com.

2. Monthly Subscriptions

2.1 Cancellation

Customers on monthly subscriptions (Starter at $499/month or Growth at $999/month) may cancel at any time by accessing the billing settings in the account dashboard or by emailing support@circinova.com. Cancellation takes effect at the end of the current monthly billing period.

2.2 No Refund for Partial Months

Circinova does not issue refunds for any partial month of service already commenced. Once a monthly billing period begins and the subscription fee is charged, that fee is non-refundable, regardless of how much of the month the Service has been actively used.

2.3 Access Until Period End

Upon cancellation, your access to paid plan features will continue until the end of the current billing period. At that point, your account will be downgraded to the Free plan (or deleted if you have requested account deletion). You will not be charged again after cancellation takes effect.

2.4 Changing Plans

If you downgrade from a higher plan (Growth) to a lower plan (Starter) mid-cycle, the lower plan rate will apply from the next billing period. No credit or refund is issued for the difference in the current period.

If you upgrade from a lower plan to a higher plan mid-cycle, Circinova will charge the pro-rated difference for the remaining days of the current billing period on the day of the upgrade, and the full higher plan rate will apply from the next billing date.

3. Annual Subscriptions

3.1 Annual Billing

Annual subscriptions are billed in full at the start of each annual period. Annual plan pricing is:

| Plan | Annual Price | |------|-------------| | Starter (annual) | $3,588/year (~$299/month) | | Growth (annual) | $9,590.40/year (~$799.20/month) |

Annual subscriptions represent a discount compared to the equivalent monthly rate (~40% on Starter, 20% on Growth).

3.2 30-Day Cancellation Window

If you cancel an annual subscription within 30 calendar days of your most recent annual renewal date, you are eligible to receive a pro-rated refund for the unused full months remaining in your annual term, calculated as follows:

Refund amount = (Monthly equivalent rate) × (Number of full unused months remaining)

For example, if you subscribed to the Starter annual plan ($3,588) on 1 January 2026, and cancelled on 15 February 2026 (45 days into the term), you would not be within the 30-day window and no refund would be available. If you cancelled on 20 January 2026 (19 days in), the refund would cover 11 full unused months: 11 × $299 = $3,289.

3.3 No Refund After 30 Days

After the 30-day cancellation window has passed, annual subscription fees are non-refundable, regardless of remaining term. Your access to the Service continues until the end of the annual period.

3.4 Access After Annual Cancellation

Following cancellation of an annual subscription, your access to paid features continues until the end of the annual term. At that point, your account is downgraded to the Free plan (or deleted if you have requested account deletion). No further charges will be made.

4. Free Plan

The Free plan is available at no charge. There are no fees associated with the Free plan, and therefore no refunds apply. You may close a Free plan account at any time by contacting support@circinova.com.

5. 14-Day Free Trial

Circinova offers a 14-day free trial of the Starter plan to new customers. No credit card or payment details are required to access the free trial. You will not be charged at any point during or at the end of the free trial period. At the end of the 14 days, your account automatically moves to the Free plan unless you choose to subscribe to a paid plan by providing payment details.

Because you are never charged during the free trial, there is nothing to refund.

6. Exceptional Circumstances

6.1 Service Outage Credits

Where a confirmed Service outage exceeds 24 consecutive hours and the outage is attributable to Circinova's systems (not to third-party infrastructure failures, customer actions, or force majeure events), affected customers on the Starter and Growth plans may be eligible for account credits as described in the Service Level Agreement at circinova.com/legal/sla. SLA credits are applied as account credit against future invoices and are not paid as cash refunds, except upon account termination.

6.2 Discretionary Refunds

Outside of the circumstances described in this policy, refunds are not available as a matter of right. However, Circinova may, at its sole discretion, consider requests for exceptional refunds in circumstances where a customer has experienced significant hardship or where Circinova has made a material error in billing. Such requests will be considered on a case-by-case basis and are not guaranteed. To submit a request, follow the process described in Section 7.

6.3 Billing Errors

If you believe you have been charged incorrectly (for example, due to a technical error that charged you twice, or a failure to apply an agreed discount), please contact support@circinova.com immediately. Circinova will investigate and, where an error is confirmed, will issue a full refund of the incorrectly charged amount within 10 business days. Billing errors must be reported within 90 days of the incorrect charge.

7. How to Request a Refund

To request a refund, please send an email to:

support@circinova.com

Include the following information in your request:

• Your account email address
• Your company or organisation name
• The date of the charge you wish to dispute or the subscription you wish to cancel
• The reason for your refund request
• Any supporting documentation (e.g. screenshots, error messages)

Circinova will acknowledge your request within 3 business days and will process eligible refunds within 10 business days of confirming eligibility. Refunds will be credited to the original payment method used at the time of purchase via Stripe. Processing times for the refund to appear on your statement may vary depending on your bank or card issuer (typically 5–10 business days after Circinova initiates the refund).

8. Consumer Rights

8.1 B2B Service

The Circinova Service is provided exclusively for business purposes. By registering for an account, you confirm that you are doing so in your capacity as a business or professional, and not as a consumer acting in a personal capacity.

8.2 UK Consumer Contracts Regulations 2013

The UK Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 provide consumers (individuals acting in a personal capacity) with a 14-day right to cancel digital service contracts. However, because Circinova is a B2B service and these Regulations apply only to consumer contracts, this statutory right of cancellation is not applicable to your use of the Service.

8.3 Other Applicable Rights

Nothing in this Refund Policy limits or excludes any rights you may have under applicable law that cannot be excluded or waived. If you believe you have a legal entitlement to a refund beyond what is described in this policy, please contact support@circinova.com.

9. Changes to This Policy

Circinova may update this Refund Policy from time to time. Material changes will be communicated to customers by email at least 30 days before they take effect. The updated policy will be published at circinova.com/legal/refunds with a revised "Last updated" date. For subscriptions renewed after the effective date of a change, the new policy will apply.

10. Contact

For all billing and refund enquiries:

Circinova (sole trader) — Billing Email: support@circinova.com United Kingdom