Payment, renewal, refund and trial policy

This is a translation. The Vietnamese text at /phap-ly/thanh-toan-hoan-tien prevails, except where the law requires the version more favourable to a consumer.

This Policy forms part of the Terms of use. Capitalised terms (such as Pro Plan, Free Plan, Usage Term and Payment Code) have the meanings defined in Article 2 of the Terms of use.

Chapter I. Pricing

Article 1. Pricing

1. Prices include value added tax where applicable.
2. You may pay for several months at once at the 1-month plan price (for example 2 months is 180,000 VND).
3. You pay the setup fee before or together with the first plan. You may transfer the total of the setup fee and one plan in a single payment (for example 1,369,000 VND + 900,000 VND = 2,269,000 VND for 13 months).
4. The setup fee is paid only once per account. If your Pro Plan expires and you come back, you pay only for the plan you want to use and do not pay the setup fee again.
5. XNK24 charges no fees other than those in the table above.

Article 2. What each plan includes

1. Every plan unlocks the same set of Pro Plan features; plans differ only in term and price. The feature set is described in Article 14 of the Terms of use.
2. During the Usage Term you may: use the AI model installed on your machine; receive application updates; update Data Packs yourself; read Radar; and receive support through the channels in Article 46 of the Terms of use.
3. The setup fee is the licence fee for activating the XNK24 Pro software for your account (Payment Code, the right to download the AI model and Data Packs, Active Device) and the first month of use.
4. Each plan is for one account and one Active Device at a time; changing devices is governed by Article 17 of the Terms of use.
5. XNK24 does not charge by number of documents, questions or lookups.

Article 3. Tax and invoices

1. Prices include value added tax where applicable.
2. XNK24 issues an electronic invoice for every payment, describing it as "Quyền sử dụng phần mềm XNK24 Pro" (right to use the XNK24 Pro software), and sends it to your invoice email address. The invoice number and lookup code are shown on the Account page.
3. If you need an invoice showing business details, enter the business name, tax code, address and invoice email address under Account → E-invoices before you transfer. An invoice already issued does not change when you edit these details later; contact Support if it needs adjusting.

Article 4. Invited roles

1. Certain roles invited by XNK24 by email (such as staff, partners, collaborators and guests) do not pay the setup fee.
2. The Usage Term and any other fees for an invited role are as stated in the invitation. The other provisions of this Policy still apply.

Article 5. Price changes

1. XNK24 may change its prices. XNK24 gives notice of new prices by email and in the application at least 15 days before they apply.
2. A Usage Term you paid for before the new price applies keeps the price you paid, including months that have not yet begun.
3. If you do not agree to the new price, you have the right to terminate the contract and receive a refund under Chapter V. Because the Pro Plan does not renew automatically, the new price applies only when you next choose to pay.

Chapter II. Payment

Article 6. How to pay

1. XNK24 accepts payment by bank transfer to the following single account:
   • Bank: MB Bank (Military Commercial Joint Stock Bank – Ngân hàng TMCP Quân đội);
   • Account number: 9671168888;
   • Account holder: VIETFLOW SOLUTION CO LTD.
2. On the Account page (website or application), you choose a plan, see the amount and scan the VietQR code with your banking app. The QR code is pre-filled with the account number, amount and your Payment Code.
3. The transfer content must contain your Payment Code (displayed as "Mã khách hàng", Customer code, in the form XNK24 followed by 6 characters). The amount must exactly equal an item in the pricing table or a total described in Article 1.
4. XNK24 never asks you to transfer money to another account, does not collect cash through staff and does not ask for your bank password or OTP code. If you receive such a request, tell XNK24 immediately.
5. Bank transfer fees on your side (if any) are borne by you.

Article 7. Automatic recording, conclusion of the contract and start of use

1. When money reaches XNK24's account, the SePay transaction monitoring service notifies the XNK24 system, and the system reads the Payment Code and amount and records the payment automatically.
2. The contract for the term you chose is concluded at the time the system records the payment. The Pro Plan begins immediately from that time.
3. The application receives the new status at its next Licence Check. If the application does not yet show the Pro Plan, refresh the Account page or reopen the application while online.
4. If you pay during the trial, the Usage Term is counted from the time the payment is recorded; the remaining trial days are not added.

Article 8. Transfers with a missing code or wrong amount

1. If the transfer content lacks or has a wrong Payment Code, or the amount does not match the pricing table, the system cannot record it automatically. The money is still kept and waits for XNK24 staff to handle it.
2. Send a request through Support, by email to cto@xnk24.com or by telephone on 0941 221 183, giving the account email, amount, time of transfer and a screenshot of the transfer receipt. XNK24 handles it within 02 working days of receiving full information.
3. At your choice, XNK24 either records the money to your account (the Usage Term is counted from the time of manual recording) or refunds the difference or the whole amount under Article 19.
4. If you transferred to XNK24 by mistake (with no intention to buy), XNK24 refunds the whole amount under Article 19 after verification.

Article 9. Payment history and records

1. The Account page (website and application) shows your payment history: time, amount, the item recorded and the current Usage Term.
2. You may ask XNK24 to send a payment confirmation or a copy of the concluded contract under clause 5 of Article 6 of the Terms of use.

Chapter III. Term, renewal and expiry

Article 10. How the Usage Term is calculated

1. A month is counted as a calendar month, from the time of recording to the same time in the following month. If the following month has no corresponding day (for example the 31st), the term ends on the last day of that month.
2. If you renew while the Pro Plan is still in effect, the new term is added consecutively from the current expiry date; you lose no days. If you renew after expiry, the new term is counted from the time of recording.
3. The expiry date is always shown on the Account page.

Article 11. No automatic renewal and reminder emails

1. The Pro Plan never renews automatically. XNK24 does not debit your account or card; each renewal is a transfer you choose to make.
2. XNK24 sends a reminder email 14 days before the expiry date, and in every case no later than 07 working days before the expiry date. The email states the expiry date, the fee to continue and how to pay. You choose whether or not to renew.
3. When the Pro Plan expires and the account reverts to the Free Plan, XNK24 sends an email to tell you.

Article 12. 3-day grace period

1. After the expiry date, the Pro Plan can be used for a further 3-day grace period. If you renew within these 3 days, the new term is counted from the time the payment is recorded.
2. The grace period is free of charge and does not apply to the trial.

Article 13. When the Pro Plan expires

1. After the 3-day grace period, the account reverts to the Free Plan.
2. On the Free Plan, the application still opens and the data on your machine remains intact. You can review and export what you have done: chats, declaration worksheets, documents, quotations, Notebook.
3. You cannot run new tasks using paid features (including new tasks that need the AI model) and you do not receive Data Pack updates.
4. Nothing is deleted. You can renew at any time to continue and do not have to pay the setup fee again.

Chapter IV. Trial

Article 14. 7-day trial

1. Who may take the trial: an account with a verified email address that has never taken a trial, signing in on a machine that has never taken a trial. Email addresses from disposable email services are not accepted.
2. Start and end: the trial starts from the first sign-in in the XNK24 Pro application and lasts 7 days. The end date is shown in the application.
3. What you get: full use of the Pro Plan features, like a paying user, on one Active Device.
4. No payment needed: the trial is entirely free, needs no bank details and does not automatically convert to a paid plan.
5. Once only: each account and each machine may take the trial only once. You must not create additional accounts to take the trial again.
6. When it ends: the account reverts to the Free Plan under Article 13, with no grace period. Data you created during the trial stays on your machine.
7. Refusal of the trial: XNK24 may refuse the trial to an account, email address or machine connected with trial abuse or interference with the licence, under clause 4 of Article 23 of the Terms of use. If you believe you were refused in error, contact Support for review.

Chapter V. Termination and refunds

Article 15. Your right to terminate

1. You have the right to terminate at any time, without giving a reason, and pay only for the part you have used.
2. Send a request to terminate and for a refund through Support in the application, by email to cto@xnk24.com or by telephone on 0941 221 183. The contract terminates at the time you send the request.
3. In the request, state your account email and the bank account to receive the refund (if different from the account you paid from).
4. You also have your other rights under the law on protection of consumers' rights, if you are a Consumer.

Article 16. How the refund for a prepaid term is calculated

1. XNK24 refunds every full unused day of the prepaid term, counted from the day after the day XNK24 receives the request to the expiry date.
2. The value of one day equals the amount you paid for that item divided by the actual number of days in the term that item opened. XNK24 calculates at the price you actually paid, including where you bought a multi-month plan at a discounted price; XNK24 does not recalculate at the 1-month plan price.
3. Renewals that have not yet begun (terms following consecutively after the current term) are refunded in full.
4. The refund is rounded to the nearest dong.
5. Example: you paid 900,000 VND for a 12-month plan, and that term has 365 days. You request termination after using 100 days (counting the day you send the request), leaving 265 unused days. The refund is 900,000 VND × 265 ÷ 365 = 653,425 VND.

Article 17. Setup fee

1. The setup fee of 1,369,000 VND has two parts: the software activation licence part of 1,279,000 VND, and the first month of use, valued at the 1-month plan price of 90,000 VND.
2. The setup fee is refunded in full if you request it within 7 days of the time of payment and have not used any paid feature (outside the trial period) since paying.
3. Other than the case in clause 2, the first month of use is refunded by the day as in Article 16, at a value of 90,000 VND for the first month. The activation licence part is not refunded, because the software has been activated for your account.

Article 18. When XNK24 terminates or discontinues the Service

1. If XNK24 discontinues the Service or the Pro Plan for its own reasons, XNK24 gives at least 30 days' notice and refunds in full the prepaid but unused part of the term under Article 16.
2. If XNK24 terminates an account for your violation, following the procedure in Article 38 of the Terms of use, XNK24 still refunds the prepaid but unused part of the term under Article 16, unless the parties agree to set it off against compensation for damage or a competent authority so decides.

Article 19. Refund procedure and timing

1. XNK24 acknowledges receipt of the request within 02 working days and sends you the refund amount and how it was calculated.
2. XNK24 refunds within 30 days of receiving the request.
3. The refund is made by bank transfer, which is the method by which you paid, to the account that transferred the money to XNK24, or to another account you designate in your name (or in the name of the organisation you represent).
4. XNK24 charges no fee for refunds.
5. After the refund, the account reverts to the Free Plan or is deleted at your request.