Refund policy

Effective October 10, 2026. Contact by email only, at the address in section 22.

This policy is part of our Terms and sets out when payments for Talkoa Plus are refunded. Talkoa itself is free. In short: you can have a full refund within 7 days of your first purchase, you can also ask Google Play within 48 hours of any payment, billing errors reported within 60 days are refunded in full, and renewals are otherwise not refunded, so cancel in Google Play before a renewal you don't want. Nothing here takes away a refund right you have by law where you live.

1. Status and scope

1.1 This Refund policy (the "Policy") forms part of the Agreement described in section 1.2 of our Terms of service and governs the circumstances in which we refund amounts paid for Plus. Capitalised terms not defined in section 2 have the meanings given in the Terms.

1.2 The Policy applies only to payments for Plus made through Google Play. Talkoa is otherwise free to use.

1.3 The Policy does not apply to anything offered in an advertisement shown in the App, which is a matter between you and the advertiser, or to money or anything else of value that one user gives another, which our Community guidelines prohibit asking for and we cannot recover.

1.4 Nothing in this Policy excludes, restricts or modifies any right or remedy you have under consumer protection law that cannot be excluded by agreement. Section 14 explains how those rights relate to this Policy.

1.5 Except as this Policy provides, or as the law requires, payments for Plus are not refundable.

2. Definitions and interpretation

2.1 In this Policy:

• "Talkoa", "we", "us" and "our" mean the company named in section 22;
• "you" means the individual who paid for Plus, or on whose Google account it was paid for;
• "Account" means the account the App creates for your phone when you first open it, as defined in the Terms;
• "Billing Period" means the period, such as a week or a month, for which a payment for Plus is made, as shown in Google Play at the time of purchase;
• "Business Day" means a day other than a Saturday, a Sunday or a public holiday in Ontario, Canada;
• "First Purchase" means the first payment ever made for Plus by a person or on a phone, as section 5 explains;
• "Google Play" means the Google Play Store and the billing service provided through it, and "Google" includes the Google company that sells Plus to you in your country;
• "Order Number" means the Google Play order number for a payment, which begins with the letters GPA and appears in the receipt email Google sends to the address of your Google account;
• "Plus" means the Talkoa Plus subscription described in section 8 of the Terms; "Rules" means our Community guidelines; and "Terms" means our Terms of service;
• "Renewal" means a payment for Plus taken automatically at the start of a Billing Period after the first;
• "Unused Portion" means the part of a paid Billing Period during which Plus is no longer available to you, calculated as clause 15.4 describes.

2.2 Headings do not affect meaning. "Including" and "for example" introduce illustrations and do not limit the words before them. References to sections and clauses are to this Policy unless stated otherwise.

2.3 Where this Policy says we will refund an amount, that is our own obligation to you and does not depend on any decision Google makes, although the refund is paid through Google Play.

3. Google Play and Talkoa

3.1 Plus is sold through Google Play. Google takes the payment, holds your payment details and issues the receipt. Where Google acts as merchant of record for the sale, as it does in many countries, Google is the seller shown on your receipt and is responsible for charging and accounting for the taxes on it. We never see your card or other payment details.

3.2 Google Play's own terms and refund policies govern your relationship with Google, including refund requests made to Google. This Policy governs what we will refund. You may use either route, subject to clause 6.2.

3.3 We issue refunds under this Policy through Google Play. Because Google holds the payment records, we may need the Order Number to find a payment, and we may rely on what Google tells us about a purchase, Renewal, cancellation, refund or reversal.

4. Buying, renewing and cancelling Plus

4.1 The price of Plus, in your currency, and its Billing Period are shown in Google Play before you buy.

4.2 Plus renews automatically at the end of each Billing Period until you cancel it. If we change the price, the change applies only from your next Renewal, and Google Play tells you before it does, as section 8.6 of the Terms provides.

4.3 To cancel, open Google Play, then Payments and subscriptions, then Subscriptions, then Talkoa Plus. Cancelling stops the next Renewal. Plus keeps working until the end of the Billing Period already paid for, and cancelling does not by itself give a refund for that period.

4.4 Deleting the App, deleting your Account, clearing the App's data or changing phones does not cancel Plus. You must also cancel it in Google Play, or Renewals will continue to be charged.

4.5 Each purchase of Plus belongs to the Account that made it and does not move to a new Account. Section 9 explains what we refund when Plus is lost that way.

5. Full refund of a first purchase

5.1 If Plus isn't for you, you may ask for a refund within 7 days of your First Purchase. We will refund that payment in full and end Plus on the Account. You don't need to give a reason.

5.2 A request is in time if we receive it by email on or before the seventh day after the date of payment shown on Google's receipt.

5.3 The right in clause 5.1 is available once per person and once per phone. It is not available:

• for a Renewal;
• for a purchase of Plus made, by the same person or on the same phone, after an earlier Plus subscription on any Account has ended; or
• where a refund under clause 5.1 has already been given to the same person or for the same phone.

5.4 In deciding whether a purchase is a First Purchase, we may rely on the purchase information Google gives us and on the scrambled phone identifier described in our Privacy policy.

5.5 When we refund under clause 5.1, we also end the subscription in Google Play so that no Renewal is charged. If a Renewal is charged afterwards, it is a billing error under section 8.

6. Refunds requested from Google

6.1 Within 48 hours of any payment for Plus, including a Renewal, you can also ask Google directly, in Google Play, under Google Play's own refund policy. Google decides those requests, and we have no control over its decision.

6.2 Asking Google does not affect your rights under this Policy. If Google declines, you may still ask us under any section of this Policy that applies. If Google refunds a payment, we will not refund the same amount again.

7. Renewals

7.1 Apart from section 5, and except as sections 8 to 14 provide, a Renewal is not refunded, in whole or in part, and Billing Periods are not pro-rated.

7.2 Not using Talkoa, or using it less than you expected, during a Billing Period is not a reason for a refund. If you don't want the next Billing Period, cancel in Google Play before the renewal date, which Google Play shows under Subscriptions.

8. Billing errors

8.1 Sections 5 and 7 do not apply to a billing error. We refund in full any amount charged for Plus:

• more than once for the same Billing Period;
• after you had cancelled, for a Billing Period that began afterwards;
• at a price different from the one Google Play showed you for that payment; or
• that you didn't make or authorise, including a purchase made by someone else with your Google account or payment method without your permission.

8.2 Please tell us within 60 days of the charge. We may ask for the Order Number, and for other information reasonably needed to confirm the error.

8.3 If you tell us after 60 days, we will still look into it, and section 14 or the law where you live may give you a longer period in which to claim.

8.4 If someone used your Google account or payment method without permission, please also tell Google, which can help secure your account.

9. If you lose Plus on your phone

9.1 There is no sign-in, so Plus belongs to the Account that bought it and doesn't move to a new Account after a reinstall, a new phone or cleared app data. If that happens, write to us with the Order Number and we will refund the Unused Portion of the current Billing Period.

9.2 For this section, the Unused Portion runs from the date the earlier Account stopped being available to you, where that date can be established from the information we hold or that you give us, and otherwise from the date we receive your request.

9.3 You don't need the earlier Account's Talkoa ID, which may no longer be shown anywhere. The Order Number is enough.

9.4 If a Renewal was charged after you lost Plus and before you wrote to us, the Billing Period it paid for is the current Billing Period, and because none of it could be used, its Unused Portion is the whole of it.

9.5 When we refund under this section, we also end the subscription in Google Play so that it does not renew. Buying Plus again on the new Account is not a First Purchase if an earlier purchase was.

10. If we end Plus or Talkoa

10.1 If we stop offering Plus, or close Talkoa, while you have paid time left, we refund the Unused Portion of the current Billing Period, calculated from the date Plus stops being available.

10.2 We will also end the subscription in Google Play, and we will refund in full any Renewal charged for a Billing Period that begins after Plus stopped being available.

10.3 We will issue these refunds without your having to ask, where Google Play allows us to. If you believe you are owed one, write to us.

11. Suspension and termination

11.1 If your Account is suspended, or your access to Talkoa is ended, for breaking the Terms or the Rules, no refund is due for the current Billing Period.

11.2 If a suspension is lifted on review because it was a mistake, we refund the time you lost, meaning the part of the Billing Period between the start of the suspension and the date it was lifted, calculated as clause 15.4 describes. This includes an automatic pause that is lifted because the reports behind it were not upheld.

11.3 A refund under clause 11.2 does not end Plus, which continues for the rest of the Billing Period.

11.4 A suspension does not cancel Plus in Google Play. If you don't want Plus to renew while your Account is suspended, cancel it in Google Play.

11.5 If we end your access to Plus for a reason that is not a breach by you, section 10 applies as though we had stopped offering Plus to you.

12. Free trials and introductory offers

12.1 If we offer a free trial or an introductory price for Plus, Google Play will show its terms, including its length and the price that follows, before you accept. This section then applies.

12.2 Nothing is paid for a free trial, so there is nothing to refund. To avoid paying once a trial ends, cancel in Google Play before it ends; otherwise Google charges the price shown when you accepted it.

12.3 The first payment taken after a free trial is a First Purchase if no earlier payment for Plus was one. You may then ask for a full refund of it under section 5 within 7 days of that payment.

12.4 A first payment at an introductory price is a First Purchase in the same way, and a refund under section 5 is of the amount actually paid. A later payment, whether at the introductory price or the regular price, is a Renewal.

13. Promotional and gifted periods

13.1 If we give you Plus time free of charge, for example through a promotional code redeemed in Google Play, no payment is made for it and there is nothing to refund for that time, including under sections 9, 10 and 11.

13.2 Where free time is added to a paid subscription, the Unused Portion of a paid Billing Period is calculated on the paid time only.

13.3 Talkoa does not offer a way to buy Plus for someone else. A purchase belongs to the Account that made it, and any refund is paid to the payment method used for it, whoever uses that Account.

13.4 A promotion's own terms cannot reduce your rights under this Policy or under the law.

14. Your rights under the law

14.1 The rights in this Policy are in addition to the rights the law gives you. Where the law gives you a right to cancel, to a refund, to have Plus put right, or to compensation that this Policy does not, the law prevails. You may rely on whichever of this Policy and the law is more favourable to you, but the same amount will not be refunded twice.

European Union, European Economic Area and United Kingdom

14.2 If you are a consumer resident in the European Union, the European Economic Area or the United Kingdom, the law generally gives you a right to withdraw from a contract for digital content or a digital service concluded online within 14 days of the contract being made, without giving a reason.

14.3 Plus starts as soon as you buy it. Depending on how local law treats Plus, and on any consent or acknowledgement you gave at checkout, the right of withdrawal may end once Plus has been supplied, or you may have to pay a proportionate amount for the time Plus was available before you withdrew. Where you keep a right of withdrawal, we will honour it and refund whatever the law requires. This does not reduce a refund under section 5, which is always in full.

14.4 To withdraw, send us a clear statement by email that you wish to withdraw, with the Order Number. You don't have to use any particular form. Whether the right also applies to a Renewal depends on the law where you live.

14.5 If Plus is faulty or not as described, you may also have rights to have it put right, to a reduction in price or to end the contract and receive a refund, under the law implementing the European Union's rules on digital content and digital services, or under the Consumer Rights Act 2015 in the United Kingdom.

Australia

14.6 If you are a consumer in Australia, Plus comes with guarantees under the Australian Consumer Law that cannot be excluded. If there is a major failure, you are entitled to cancel and receive a refund for the unused part, or to compensation for the reduced value of Plus. If a failure is not major, you are entitled to have it fixed within a reasonable time and, if it isn't, to cancel and receive a refund for the unused part. You may also be entitled to compensation for other loss or damage that was reasonably foreseeable. Nothing in this Policy, including sections 7 and 11, limits those rights.

Canada and elsewhere

14.7 Consumers in Canada, including Quebec, may have rights under provincial consumer protection law, for example to cancel an internet or distance contract where required information was not given. Consumers in the United States and elsewhere may have rights under local law, including laws on automatic renewals. Those rights apply in addition to this Policy.

15. How refunds are paid

15.1 Refunds go back through Google Play to the payment method you used, usually within 3 to 5 Business Days, depending on your bank. They can't be paid any other way.

15.2 If you paid with your Google Play balance, including a Google Play gift card, the refund is returned to that balance. If the payment method you used is no longer available, Google decides how the refund reaches you, under its own procedures.

15.3 Refunds are made in the currency and amount charged, with the taxes charged on that amount. A difference caused by your bank's currency conversion or fees can't be recovered from us.

15.4 Where this Policy refunds part of a Billing Period, the amount is the payment for that Billing Period, including taxes, multiplied by the share of the Billing Period that is being refunded, measured in time. Google Play may make this calculation for us.

16. Taxes

16.1 Depending on where you live, the price in Google Play may include, or have added to it, sales tax, value added tax or GST/HST. Where Google acts as merchant of record, Google charges and accounts for those taxes.

16.2 A full refund includes all taxes charged on the payment. A partial refund includes those taxes in the same proportion as the amount refunded.

16.3 Google's receipt is the record of the payment and its taxes. We can't refund a fee charged by your bank, such as a foreign transaction fee.

17. How a refund affects your access

17.1 A full refund under section 5, or under section 8 for a charge that leaves no valid payment for the Billing Period, ends Plus for that Billing Period straight away. A refund of a duplicate charge doesn't affect the payment that remains, and Plus continues.

17.2 A refund of an Unused Portion under section 9 or 10 ends Plus from the date the Unused Portion is calculated from.

17.3 When Google tells us that a payment has been refunded or reversed, whether by us, by Google or through your bank, Plus paid for by that payment ends.

17.4 When Plus ends, its features stop and your Account continues as a free Account, with ads. A refund does not delete your Account or anything in it; deletion is covered by our deletion page.

18. Chargebacks and disputed charges

18.1 Please write to us before disputing a charge with your bank or card issuer, so we can fix it quickly.

18.2 This does not limit any right you have, under the law or under the terms of your card or account, to dispute a charge.

18.3 We will not also refund a payment that has been reversed through a dispute.

19. Misuse of the refund process

19.1 The refund process is for genuine requests. We may decline a request, or part of one, where we reasonably believe that:

• it falls outside this Policy, for example because the right in section 5 has already been used by the same person or for the same phone, through any Account or Google account; or
• information given in support of it is false or misleading.

19.2 If we decline a request under clause 19.1, we will tell you why by email, and you may ask for the decision to be reviewed by a person.

19.3 This section never affects a refund for a genuine billing error under section 8, or a right you have under the law.

20. How to ask for a refund

20.1 Email [email protected] with your Talkoa ID (in the App under Settings, then Account) and the Order Number. It helps if you say what happened.

20.2 We reply within 2 Business Days. If we need more information, our reply will say what.

20.3 Because there is no sign-in, we may ask you to confirm details only the person who paid would have, such as the date and amount of the payment.

20.4 If we decline a request, we will say why, and you may ask for a review by a person. Section 18 of the Terms explains how disputes are resolved.

21. Which version applies

21.1 The version of this Policy that applies to a payment is the version published on this page when the payment was made. A later version does not reduce your rights in respect of a payment already made. If a later version is more favourable to you, you may rely on it instead.

21.2 We may change this Policy. The version in force is the one on this page, with its effective date at the top. If a change matters, we will show a notice in the App before it takes effect, as section 16 of the Terms provides.

21.3 If this Policy and the Terms differ on a refund, this Policy prevails.

22. Who we are and how to reach us

22.1 Talkoa is provided by Inayah Tech Solutions Inc., a corporation incorporated under the laws of Ontario, Canada.

22.2 Refund requests, questions and notices under this Policy: [email protected]. We correspond by email only and don't maintain a postal address for notices.