Billing & Cancellation Policy

This Billing & Cancellation Policy explains how BizChain Viet Nam Company Limited (“BizChain”) handles payments, subscriptions, and cancellations for paid features across our SaaS products, including Vietcotuong, Karace, and future BizChain platforms.

This policy supplements our Terms of Service.

1. Try Before You Buy

Every BizChain SaaS product offers a free account with access to core functionality at no charge. Where we sell courses, premium content, or digital materials, we provide free preview or sample content so you can evaluate quality and fit before purchasing.

Because you can fully assess our services before paying, we do not offer refunds on subscriptions, one-time purchases, or digital content, except where required by mandatory law.

2. Payment Processing

• Payments are processed securely by Stripe and SePay (or another payment provider we designate).
• BizChain does not store full credit or debit card numbers on our servers.
• You authorize recurring charges when you subscribe to a plan that renews automatically.
• Prices, billing intervals, and included features are shown clearly before you confirm payment.

3. Subscriptions

3.1 Automatic renewal

Paid subscriptions renew automatically at the end of each billing period (monthly, annually, or as stated at purchase) unless you cancel before the renewal date.

3.2 Price changes

We may change subscription prices with reasonable advance notice. Price changes apply at your next renewal after notice. If you do not agree, cancel before the renewal date.

3.3 Taxes

Applicable taxes (such as VAT) may be added to the displayed price where required by law.

4. Cancellation

4.1 How to cancel

You may cancel a subscription at any time through:

• The account or billing settings in the relevant product, or
• Email to legal@bizchain.vn from the email address associated with your account.

Cancellation stops future charges. It does not delete your account unless you separately request account closure.

4.2 Effect of cancellation

• You retain access to paid features until the end of the current billing period.
• After that, your account reverts to the free tier (where available) or loses access to paid-only content, as described for each product.
• Cancellation does not entitle you to a refund for the current or any prior billing period.

5. No Refund Policy

All sales are final. We do not provide refunds or credits for:

• Partial billing periods after cancellation.
• Unused time on a subscription.
• One-time purchases of digital content, courses, or premium features.
• Downgrades from a higher to a lower plan.
• Account termination by you or by BizChain for violation of our Terms of Service or Acceptable Use Policy.

This policy exists because:

1. Free accounts let you test functionality before upgrading.
2. Preview content lets you evaluate courses and materials before purchase.
3. Immediate digital delivery means paid content cannot be “returned” once accessed.

If mandatory consumer protection law in your jurisdiction grants you a statutory right of withdrawal or refund, that right applies to the extent required by law.

6. Failed Payments

If a payment fails:

• We may retry the charge or suspend paid features until payment succeeds.
• You are responsible for keeping payment information current.
• Repeated failures may result in downgrade to the free tier or account suspension.

7. Chargebacks and Disputes

If you have a billing concern, contact legal@bizchain.vn before initiating a chargeback with your bank. Unauthorized chargebacks for valid charges may result in account suspension.

8. Free Tier After Cancellation

When a paid subscription ends, you may continue using the free tier of the product where one is available, subject to that product’s free-tier limits. Data associated with your account is handled according to our Privacy Policy.

9. Professional Services

Custom development, consulting, and enterprise engagements may have separate written agreements with different payment and cancellation terms. Where a signed contract conflicts with this policy, the contract controls.

10. Changes

We may update this policy from time to time. Continued use of paid features after the effective date constitutes acceptance of the updated policy.

11. Contact

Billing questions: legal@bizchain.vn
General contact: bizchain.vn/contact