Payment & Refunds Policy

All prices displayed on the Nokhba platform are in UAE Dirhams (AED) unless otherwise stated. • Prices are exclusive of VAT unless explicitly stated • 5% UAE Value Added Tax (VAT) is applied at checkout in accordance with UAE Federal Law No. 7 of 2017 • Enterprise clients receive formal VAT invoices for accounting and audit purposes • Prices are subject to change with 30 days' advance notice to existing subscribers

We accept the following payment methods: • Visa and Mastercard (credit and debit) • American Express • Apple Pay • Google Pay • Bank transfer (available for enterprise annual plans — contact [email protected]) All card payments are processed securely by Stripe (Stripe Inc., USA). Nokhba does not store your full card number, CVV, or expiry date. Stripe is PCI DSS Level 1 certified.

Billing Cycle Subscription plans are billed monthly or annually in advance. The billing date is set on the date you first subscribe. Auto-Renewal Subscriptions automatically renew at the end of each billing period. You will receive a reminder email 7 days before renewal. Cancellation You may cancel your subscription at any time through Account Settings > Subscription > Cancel Plan. Cancellation takes effect at the end of the current paid billing period. You retain access to paid features until the period ends. Plan Changes (Upgrades) Upgrades take effect immediately. You will be charged the prorated difference for the remainder of the current billing period. Plan Changes (Downgrades) Downgrades take effect at the start of the next billing cycle. You retain current plan features until then.

Credit Packages Nokhba credits can be purchased in packages and used to access AI features (resume analysis, mock interviews, document generation, etc.). Credit Validity Purchased credits expire 12 months from the date of purchase. Expired credits are not refunded. Credit Use Credits are deducted when you use a paid AI feature. The credit cost for each feature is shown before use. Non-Transferability Credits are tied to your account and cannot be transferred to another user or account.

Subscription Refunds • 14-day free trial: No charge is made during the trial period. If you cancel before the trial ends, you will not be charged. • After the trial, if you cancel within 7 days of a new subscription billing date and have not used the paid features, you may request a full refund. • Refunds are not provided for partial subscription months, unused features, or where the service has been actively used. Credit Refunds • Credits are generally non-refundable once purchased. • If a technical error results in incorrect credit deductions, we will restore the credits. • In cases where UAE Consumer Protection Law (Federal Law No. 15 of 2020) requires a refund, we will honour that obligation. Consultation Payments • Cancellations made more than 24 hours before a scheduled consultation: full refund. • Cancellations within 24 hours of the consultation: 50% refund. • No-shows (candidate or consultant): case-by-case review; contact [email protected] within 48 hours. Disputed Charges If you believe you have been incorrectly charged, contact [email protected] within 30 days with your account email, transaction ID, and a description of the issue. We will investigate and respond within 5 business days.

If a payment fails: 1. We will attempt to process the payment again after 3 and 7 days. 2. You will receive email notifications of the failure. 3. If payment remains outstanding after 14 days, your account will be downgraded to the free tier. 4. Your data and account will be retained. To update your payment method, go to Account Settings > Billing > Payment Methods.

Enterprise clients may be invoiced on net-30 payment terms. Bank transfer and custom billing cycles are available. For enterprise billing enquiries: [email protected] or +971 (50) 328-9455.

This policy is designed to comply with UAE Federal Law No. 15 of 2020 on Consumer Protection and its Executive Regulations. Your statutory rights as a consumer in the UAE are not affected by this policy. If you believe your consumer rights have not been respected, you may contact: Ministry of Economy (UAE) — consumerprotection.gov.ae Dubai Department of Economy and Tourism — consumer.dubai.gov.ae

Email: [email protected] Phone: +971 (50) 328-9455 Hours: Monday–Saturday, 9AM–6PM Gulf Standard Time Nicso Technology LLC-FZ Meydan Free Zone, Dubai, UAE