Refund Policy

Merchant: MB STACK (SMC-PRIVATE) LIMITED

Last updated: 14 September 2026

1. Digital subscriptions

Chativo sells prepaid software subscriptions (access to chat, compare, and related features). Because the Service is delivered digitally, refunds are limited as described below.

2. Eligibility

You may request a refund if:

• You contact us within 7 calendar days of the original purchase; and
• You have not substantially consumed paid quota (for example, heavy premium model usage beyond reasonable trial use); and
• The charge was duplicated, unauthorized, or caused by a verified technical failure on our side that prevented access.

After seven days, or once paid benefits have been materially used, purchases are generally non-refundable, except where required by law or approved at our discretion for exceptional cases (e.g. prolonged outage).

3. How to request a refund

Email m.bilaluog1@gmail.com or chativo@mbstack.net with:

• Account email and full name;
• Order or transaction reference from Safepay / receipt;
• Date of purchase and plan name;
• Brief reason for the request.

We aim to respond within 3–5 business days. Approved refunds are processed back to the original payment method where possible, subject to Safepay and bank timelines (typically 5–14 business days).

4. Partial refunds and chargebacks

We do not offer partial refunds for unused days within a billing period unless required by law. Please contact us before initiating a chargeback so we can resolve the issue; unjustified chargebacks may lead to account suspension.

5. Contact

General: mbstackpremium@gmail.com
Refunds & disputes: m.bilaluog1@gmail.com
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