This policy applies to all payments made to Murmur Intelligence (Pty) Ltd ("we", "us") for use of thellmeknowplatform ("Service"). Payments are processed by Paystack. By completing a payment you confirm that you have read and agree to this policy.

1. 30-day access and legacy trials

Eligible new accounts may explore the Service for thirty (30) days with no subscription fee. No card is required to create the account and no subscription starts automatically. Payments for AI responses remain separate prepaid-funds purchases and are covered by the prepaid-funds rules below. If you do not choose a subscription, access becomes read-only when the thirty-day period ends.

Legacy accounts that began a card-verified trial before this offer retain that trial's existing terms. The nominal card-verification amount for a legacy trial becomes prepaid funds and is not refunded separately. The plan selected for that legacy trial is charged when the trial ends unless it is cancelled first.

2. Subscription fees

Subscription charges are billed monthly or annually in advance, according to the interval you select. Once a billing period has started, the subscription fee for that period is non-refundable, except where the seven-day satisfaction guarantee below applies. Your access to paid features continues until the end of the current billing period regardless of when you cancel. Charges are processed in South African Rand (ZAR) via Paystack.

3. Seven-day satisfaction guarantee

If you are not satisfied with your first paid subscription payment and have not executed any campaign runs during the seven (7) days following that payment, you may request a full refund of that subscription fee within that window. To claim this, email [email protected] with your account email address and Paystack payment reference. This guarantee applies to the first payment on a new paid subscription only. It does not apply to the 30-day no-fee access period, a legacy trial, or prepaid-funds purchases.

4. Prepaid funds

llmeknow prepaid funds are a balance you add in advance, used for AI responses and for additional campaign slots. Prepaid funds do not expire.

Unused funds: prepaid funds that have not been consumed may be refunded within 30 days of purchase. Contact us at [email protected] with your payment reference and the amount you wish to refund.
Used funds: prepaid funds that have already been consumed (applied to campaign runs or LLM usage) are non-refundable.

5. How to cancel your subscription

You may cancel your subscription at any time through Settings → Billing → Cancel Subscription. There are no cancellation fees or penalties. After cancellation:

Your access to paid features continues until the end of the current billing period.
No further charges will be made.
Any remaining prepaid funds are retained and can be used until they are exhausted or refunded.
Campaign data and results are preserved and remain accessible in read-only mode.

6. Failed payments

If a scheduled subscription payment fails, the payment provider may retry the charge automatically over the following days, but we do not guarantee retries. Your account moves to a past-due state and access may become read-only until payment succeeds. You can resolve this by updating your payment method in Settings → Billing. No data is deleted because of a failed payment.

7. How to request a refund

To request a refund, email [email protected] with:

your account email address
the Paystack payment reference (visible in Settings → Billing → Transaction History)
the reason for the request

We will respond within two (2) business days. Approved refunds are processed by Paystack and typically reach your account within 3–10 business days, depending on your bank.

8. Disputes

Before raising a dispute with your bank or card issuer, please contact us at [email protected] within 60 days of the charge. We aim to resolve all billing issues promptly and fairly. Paystack transaction processing fees are non-refundable in all cases.

9. Price changes

We will provide at least 30 days written notice (by email to your registered address) before any change to subscription pricing takes effect. Continued use of the Service after the notice period constitutes acceptance of the new pricing.

10. Contact

Billing queries: [email protected]