Subscription and Refund Policy

Subscription plans, billing, renewals, cancellations, and refund rights.

Effective Date: 1 June 2026 | Last Updated: 1 June 2026 | Contact: hello@pidgingpt.com | Website: www.pidgingpt.com 

Important note: This document has been adapted for worldwide product launch consistency from Nigeria-focused source documents. It should be reviewed by qualified counsel before being treated as final legal advice or a final binding policy. 


1. Overview 


This Subscription and Refund Policy (the “Policy”) governs paid Subscriptions to PidginGPT, including available plans, billing, automatic renewal, cancellation, refunds, free trials, promotional plans, and price changes. This Policy forms part of, and should be read together with, our Terms of Use and Privacy Policy. 


PidginGPT is a product of MIO Global Holdings. In Nigeria, certain operations, payment processing, support, or local compliance activities may be managed through PidginGPT Technologies. By subscribing to any paid plan, you agree to this Policy. If you do not agree, please do not purchase a Subscription. 


2. Subscription Plans 


PidginGPT offers Subscription-based access to the Platform. Plan features, pricing, currency, payment method, usage limits, and trial terms are shown on the Platform at the time of purchase and may vary by region. Regional pricing and payment options may vary by location. 


  • Monthly Subscription: billed every thirty (30) days from the date of your first successful payment; 

  • Annual Subscription: billed every twelve (12) months where annual plans are offered; 

  • Free Trial: where offered, governed by the trial terms shown at sign-up and by Section 8; 

  • Promotional and discounted plans: subject to additional terms shown at the time of the offer. 


3. Billing, Payment, and Taxes 


By subscribing to a paid plan, you authorise PidginGPT and our authorised payment processors, including Stripe, Paystack, or other processors we may use from time to time, to charge your selected payment method for applicable fees on each billing date until cancellation. 


  • Payments are processed securely by authorised payment processors. We do not store full payment-card details. 

  • Invoices and receipts may be available in your Account dashboard or sent by email. 

  • All fees are stated in the currency displayed at checkout. Applicable taxes may be shown at checkout or added to your invoice as required by law. 

  • You are responsible for bank charges, foreign-transaction fees, or currency-conversion costs charged by your financial institution. 

  • Refunds are processed in the original currency of payment where practicable; exchange-rate differences or bank fees are not our responsibility. 

  • If payment fails, we may retry the charge, suspend access to paid features, or downgrade your Account until the outstanding amount is paid. 


4. Automatic Renewal 


Unless you cancel before the renewal date, your Subscription renews automatically at the end of each billing cycle for another period of the same length at the then-current price for your plan. We will send renewal reminders where required by Applicable Law. By not cancelling, you authorise continued automatic charges. 


5. Upgrades, Downgrades, and Plan Changes 


  • Upgrades may take effect immediately, with charges adjusted or prorated where supported by the Platform. 

  • Downgrades generally take effect at the start of the next billing cycle. You will continue to access current plan features until then. 

  • Downgrades do not entitle you to a refund of the unused portion of the current cycle, except where required by Applicable Law. 

  • We may introduce, modify, or retire plans, subject to existing subscriber rights and Applicable Law. 


6. Cancellation 


You may cancel your Subscription at any time through Account settings or by emailing hello@pidgingpt.com. Upon cancellation: 


  • Your access to paid features continues until the end of the current billing cycle; 

  • No further charges will be made after the current billing cycle ends; 

  • Cancellation does not automatically entitle you to a refund of fees already paid for the current billing cycle, except as set out in Section 7 or as required by Applicable Law. 


If we cancel or terminate your Subscription because of a breach of the Terms of Use, you will not be entitled to a refund of fees paid, except where required by Applicable Law. 


7. Refunds 


7.1 General Rule 


Subscription fees are non-refundable except as expressly set out in this Policy or as required by Applicable Law. 


7.2 Eligible Refunds 


A refund may be issued in the following circumstances: 


  • Charged in error: you were charged incorrectly because of a technical fault on the Platform; 

  • Wrong plan: you subscribed to the wrong plan and request correction within twenty-four (24) hours of payment, provided you have not made substantial use of paid features; 

  • Duplicate payment: you were charged more than once for the same Subscription period; 

  • Material service interruption: paid features suffer a verified outage or material interruption lasting more than seventy-two (72) consecutive hours during your active Subscription period and you submit a written refund request within fourteen (14) days of the incident; a pro-rata refund will normally apply to the affected period; 

  • Statutory cooling-off or withdrawal rights: where you have mandatory rights under Applicable Law, including consumer-protection rules in your jurisdiction, those rights continue to apply. Where law permits, cooling-off rights may not apply once you have begun using a digital service and acknowledged the loss of the right at sign-up. 


7.3 Ineligible Refunds 


Refunds will generally not be issued where: 


  • You changed your mind after subscribing and have already accessed or used paid features, subject to mandatory statutory rights; 

  • You forgot to cancel before renewal; 

  • You did not use the Platform during your Subscription period; 

  • Your Account was suspended or terminated for breach of the Terms of Use; 

  • The refund request relates to third-party charges, bank fees, or currency-conversion fees rather than fees paid to PidginGPT. 


7.4 Chargebacks 


If you believe a charge is incorrect, contact hello@pidgingpt.com first so we can investigate and resolve it directly. Initiating a chargeback without first contacting us may result in suspension of your Account pending investigation. Where a chargeback is reversed in our favour, we may reinstate the original charge or pursue the outstanding amount through lawful means. 


8. Free Trials 


Where we offer a free trial, the duration, eligibility, and the plan you may be enrolled into at the end of the trial will be shown at sign-up. If you do not wish to continue, you must cancel before the trial ends to avoid being charged. Free trials are limited to one per user unless expressly stated otherwise. Misuse of free trials may result in suspension or termination. 


9. Price Changes 


We may change Subscription prices from time to time. For existing subscribers, we will provide at least thirty (30) days’ prior notice of a material price increase where required by Applicable Law. Continued Subscription after the effective date constitutes acceptance of the new price. If you do not accept the price change, you may cancel before it takes effect. 


10. How to Request a Refund 


To request an eligible refund, contact hello@pidgingpt.com and include: 


  • The email address registered to your Account; 

  • Your Subscription plan and date of charge; 

  • The reason for your refund request; 

  • Supporting evidence, such as screenshots, error messages, or transaction references. 


We aim to acknowledge refund requests within three (3) business days and respond substantively within seven (7) business days. Approved refunds are typically processed to the original payment method within ten (10) business days of approval, although your bank or payment provider may take additional time. 


11. Governing Law and Regional Rights 


This Policy is intended for a worldwide audience. Unless a mandatory consumer-protection law in your jurisdiction provides otherwise, this Policy is governed by the laws associated with the entity providing the relevant service, payment, or operation. For global product matters, this may include the jurisdiction of MIO Global Holdings. For Nigeria-specific operations, payment, support, or compliance activities, Nigerian law may apply. Mandatory consumer-protection rights in your jurisdiction are not waived by this Policy. 


12. Contact Us 


For questions about your Subscription or this Policy, contact hello@pidgingpt.com or visit www.pidgingpt.com. 

Important note: This document has been adapted for worldwide product launch consistency from Nigeria-focused source documents. It should be reviewed by qualified counsel before being treated as final legal advice or a final binding policy. 


1. Introduction 


Welcome to PidginGPT. These Terms of Use (the “Terms”) form a legally binding agreement between you (“you” or “User”) and MIO Global Holdings, together with its affiliates, subsidiaries, regional operating entities, successors, and assigns (collectively, “PidginGPT”, “we”, “us”, or “our”). PidginGPT is a product of MIO Global Holdings. In Nigeria, certain operations, payment processing, support, or local compliance activities may be managed through PidginGPT Technologies. 


These Terms govern your access to and use of our website at www.pidgingpt.com, our web application/PWA, mobile-accessible services, application programming interfaces, and all related services and content (collectively, the “Platform”). 


PidginGPT is a digital artificial intelligence language platform designed to help users understand, rewrite, translate, learn, and communicate in Nigerian Pidgin, English, and other languages or regional usage patterns we may support from time to time. Regional Pidgin support is in progress and may evolve over time. 


By accessing, registering for, subscribing to, or using any part of the Platform, you confirm that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and our Subscription and Refund Policy, each of which is incorporated by reference. If you do not agree, you must not access or use the Platform. 


2. Definitions 


  • “Account” means the registered user account you create on the Platform. 

  • “Content” means any text, prompts, files, images, or other materials submitted to, generated by, or made available through the Platform. 

  • “User Input” means Content you submit to the Platform, including prompts and uploads. 

  • “AI Output” means Content generated by the Platform’s artificial intelligence features in response to User Input. 

  • “Subscription” means a paid plan that grants access to specified features of the Platform, as further described in the Subscription and Refund Policy. 

  • “Applicable Law” means all laws, regulations, and rules applicable to a party or to the Platform, including where relevant the laws of Nigeria, Canada, the United States, the United Kingdom, the European Union, and your country of residence. 


3. Eligibility 


To access or use the Platform, you represent and warrant that: 


  • You are at least eighteen (18) years of age or the age of majority in your jurisdiction, whichever is higher; 

  • You have the legal capacity to enter into a binding contract under Applicable Law; 

  • You are not barred from using the Platform under any Applicable Law, including export-control or sanctions laws; 

  • All registration and account information you provide is accurate, current, and complete; 

  • You are not using the Platform on behalf of another person or organisation without proper authorisation. 


We do not knowingly permit any person under eighteen (18) to register for or use the Platform. If we discover that a user is under eighteen, we may suspend or terminate that account. 


4. Account Registration and Security 


Certain features of the Platform require you to register for an Account. You agree to provide accurate information, keep your login credentials confidential, use reasonable security practices, notify us of unauthorised access, and accept responsibility for activity under your Account. We may refuse registration, reclaim usernames, or suspend or terminate Accounts that contain inaccurate, misleading, impersonating, or unlawful information. 


5. Subscriptions, Fees, and Payment 


Some features of the Platform are available only through a paid Subscription. Subscription plans, billing cycles, renewals, cancellations, free trials, and refunds are governed by our Subscription and Refund Policy. 


By subscribing to a paid plan, you authorise us and our authorised payment processors, including Stripe, Paystack, and other processors we may use from time to time, to charge your selected payment method for applicable fees and taxes. All fees are stated in the currency displayed at checkout. Nigeria-specific payment processing may be supported by PidginGPT Technologies where applicable. 


We may change Subscription fees from time to time. For existing subscribers, we will provide notice of material price increases where required by Applicable Law. If you do not accept the new fees, you may cancel before they take effect. 


6. Acceptable Use 


You agree to use the Platform only for lawful purposes and in accordance with these Terms. You must not, and must not permit any third party to: 


  • Use the Platform for any unlawful, fraudulent, deceptive, infringing, abusive, or harmful purpose; 

  • Reproduce, distribute, publicly display, modify, or create derivative works of the Platform except as expressly permitted; 

  • Reverse engineer, decompile, disassemble, or attempt to derive source code, model weights, training data, or underlying ideas of the Platform or any AI model; 

  • Upload, transmit, or generate Content that is defamatory, obscene, hateful, harassing, threatening, sexually explicit involving minors, or infringing of any person’s rights; 

  • Use the Platform to develop a competing product or to train any third-party machine-learning model; 

  • Use automated tools, bots, scrapers, or other means to access, query, or extract data except through authorised interfaces; 

  • Circumvent, disable, or interfere with rate limits, security, authentication, or other technical measures; 

  • Interfere with, disrupt, or place unreasonable load on the Platform or its infrastructure; 

  • Use the Platform to generate, promote, or disseminate spam, phishing, malware, election disinformation, content inciting violence, or unlawful discrimination. 


We may investigate suspected violations and take appropriate action, including warnings, restrictions, suspension, termination, and reports to law enforcement or regulators where appropriate. 


7. Intellectual Property 


7.1 Our Intellectual Property 


The Platform, including software, models, text, graphics, logos, trademarks, designs, audio, and the selection and arrangement of content, is owned by MIO Global Holdings, its affiliates, regional entities, or licensors and is protected by copyright, trademark, and other intellectual-property laws in Nigeria, Canada, the United States, the United Kingdom, the European Union, and internationally. 


Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Platform for your personal or internal business use during the period you are an authorised user. 


The name “PidginGPT”, the PidginGPT logo, and related marks are trademarks or trade names of MIO Global Holdings and/or its affiliates or regional entities, including PidginGPT Technologies where applicable. You may not use these marks without prior written consent. 


7.2 User Input 


As between you and PidginGPT, you retain all rights, title, and interest in your User Input. You grant us a worldwide, non-exclusive, royalty-free, sublicensable licence to host, store, reproduce, transmit, display, and otherwise process your User Input to operate, maintain, secure, improve, and provide the Platform and to comply with Applicable Law. 


7.3 AI Output 


Subject to your compliance with these Terms and the rights of third parties, you may use AI Output for personal or internal business purposes, including commercial use. Because generative AI may produce similar or identical output for different users, we do not warrant that AI Output is unique to you or non-infringing. 


7.4 Feedback 


If you send suggestions, ideas, or feedback, you grant us a perpetual, irrevocable, royalty-free, worldwide licence to use that feedback for any lawful purpose without obligation or compensation. 


8. AI-Generated Content 


The Platform uses artificial-intelligence systems to generate, rewrite, summarise, translate, and explain content. You acknowledge and agree that: 


  • AI Output may be inaccurate, incomplete, biased, outdated, or unsuitable for your particular purpose; 

  • You are responsible for reviewing, verifying, and correcting AI Output before relying on it; 

  • The Platform and AI Output do not constitute legal, medical, financial, tax, immigration, mental-health, or other regulated professional advice; 

  • You are responsible for ensuring your use of AI Output complies with Applicable Law, including intellectual-property, defamation, privacy, consumer-protection, and AI-related laws. 


9. Privacy and Data Protection 


Our Privacy Policy explains how we collect, use, share, and protect personal data, and your rights under applicable privacy and data-protection laws. By using the Platform, you confirm that you have read the Privacy Policy. 


10. Third-Party Services 


The Platform may integrate with or link to third-party websites, applications, or services, including payment processors, AI infrastructure providers, analytics providers, cloud-hosting providers, and customer-support tools. We do not control and are not responsible for third-party terms, content, or privacy practices. 


11. Disclaimers 


The Platform is provided “as is” and “as available”, without warranties of any kind, whether express, implied, statutory, or otherwise. To the maximum extent permitted by Applicable Law, we disclaim warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, and security. Some jurisdictions do not allow certain exclusions, so these exclusions apply to the maximum extent permitted by law. 


12. Limitation of Liability 


To the maximum extent permitted by Applicable Law, PidginGPT, MIO Global Holdings, PidginGPT Technologies where applicable, their affiliates, and their respective directors, officers, employees, contractors, and agents shall not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for loss of profits, revenue, data, goodwill, business opportunity, or anticipated savings. 


Our total aggregate liability arising out of or relating to these Terms or your use of the Platform shall not exceed the greater of: (a) the Subscription fees you paid to us in the twelve (12) months before the event giving rise to the claim; or (b) one hundred United States dollars (USD 100) or the equivalent in your local currency, except where Applicable Law requires otherwise. 


13. Indemnification 


You agree to defend, indemnify, and hold harmless PidginGPT, MIO Global Holdings, PidginGPT Technologies where applicable, their affiliates, and their respective directors, officers, employees, contractors, and agents from claims, liabilities, damages, losses, costs, and expenses arising out of your access to or use of the Platform, your User Input, your use of AI Output, your breach of these Terms or Applicable Law, or your infringement of third-party rights. 


14. Suspension and Termination 


We may suspend or terminate access to the Platform if we reasonably believe you breached these Terms, your use creates security, legal, reputational, or operational risk, payment has failed, or we are required to do so by Applicable Law or competent authority. You may stop using the Platform at any time and cancel your Subscription where applicable. 


15. Changes to the Platform 


We may add, change, suspend, or discontinue Platform features at any time. Where a change materially and adversely affects paying subscribers, we will use reasonable efforts to provide notice. We are not liable for modification, suspension, or discontinuation except as required by Applicable Law or our Subscription and Refund Policy. 


16. Governing Law and Dispute Resolution 


These Terms are intended for a worldwide audience. Unless a mandatory consumer-protection law in your jurisdiction provides otherwise, these Terms are governed by the laws of the jurisdiction associated with the entity providing the relevant service, payment, or operation. For global product matters, this may include the jurisdiction of MIO Global Holdings. For Nigeria-specific operations, payment, support, or compliance activities, the laws of the Federal Republic of Nigeria may apply. 


Before commencing formal dispute resolution, the parties will attempt in good faith to resolve any dispute by contacting hello@pidgingpt.com. Users outside Nigeria acknowledge that mandatory consumer, privacy, and data-protection rights in their local jurisdiction may apply and are not waived by these Terms. 


17. Notices 


We may give notices by email, in-Platform notice, or posting on www.pidgingpt.com. Notices to us should be sent to hello@pidgingpt.com. 



18. Changes to these Terms 


We may update these Terms from time to time. Where changes are material, we will notify users by email, in-Platform notice, or prominent website notice where required by Applicable Law. Continued use after the effective date constitutes acceptance, except where additional consent is required by law. 


19. Miscellaneous 


  • These Terms, the Privacy Policy, and the Subscription and Refund Policy form the entire agreement regarding the Platform. 

  • If any provision is invalid or unenforceable, the remaining provisions remain effective. 

  • Our failure to enforce a provision is not a waiver. 

  • You may not assign these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, restructuring, sale of assets, or by operation of law. 

  • Neither party is liable for failure or delay caused by events beyond reasonable control. 

  • These Terms do not create a partnership, joint venture, employment, or agency relationship. 

  • The English version controls if translations conflict. 

  • You represent that you are not located in, or using the Platform from, a country or region subject to comprehensive sanctions, and that you are not on a restricted-party list. 


20. Contact Us 


If you have questions about these Terms, contact hello@pidgingpt.com or visit www.pidgingpt.com.