Clear payment, fulfilment, and refund rules.

This policy applies to JAMOK Pro access and Generation Point purchases. It forms part of the Terms of Use and does not limit any mandatory right or remedy available under Nigerian consumer law.

1. One-time Pro plans

JAMOK currently offers one-time Pro access for one month, six months, or one year. Each checkout is a single payment for the stated period. Pro does not renew automatically, and JAMOK does not schedule an automatic renewal debit. Access ends at the displayed expiry time unless you manually purchase another plan.

Each active paid month releases 200 Generation Points. The first monthly release is delivered after verified payment; later releases are delivered when each paid month begins. The first verified Pro purchase on an account also receives a one-time 100-Point bonus, which does not repeat on a later purchase or renewal.

2. Generation Points

One Generation Point funds one generated question. New accounts receive one non-transferable 10-Point welcome grant. Custom top-ups are available only to active Pro members, begin at 100 Points, and are sold in increments of 10 subject to the displayed maximum. The exact Naira price is shown before checkout. A Point purchase is credited only after server-side payment verification. Active Pro members may send eligible verified top-up Points through the protected in-product transfer flow and subject to the displayed limits. Points are digital service units, have no cash value, and cannot be resold, exchanged for cash, or transferred outside that protected flow.

3. Checkout and delivery

Paystack processes checkout and may offer eligible channels such as card, bank, USSD, transfer, or other supported methods. Available channels can depend on Paystack, your bank, device, or transaction. Abandoning or failing checkout does not create a JAMOK purchase. After a verified successful payment, the purchased plan or Points should be credited digitally to your account; no physical delivery is involved.

4. If payment succeeded but value was not delivered

Contact marvelouseze1@gmail.com with your account email and Paystack reference. We will verify the payment and fulfilment record. If JAMOK received a valid payment but did not deliver the purchased access or Points, we will correct the account or issue the appropriate full or partial refund. Duplicate or incorrect charges will be corrected or refunded after verification.

5. Generation failures and Point releases

JAMOK may reserve the full Point cost before generating questions. Completed, validated generation captures the reservation. If generation fails before the set is delivered, reserved Points are released back to your JAMOK balance automatically. A Point release is not a cash refund because no Point purchase is reversed; it restores the digital balance so it can be used again.

6. Refund requests

• Service not delivered or defective: we will investigate and provide correction, re-performance, restored Points, or an appropriate full or partial refund.
• Duplicate, incorrect, or unauthorized charge: report it promptly. We will check our records and work through Paystack’s dispute or refund process. Also contact your bank immediately if you suspect fraud.
• Unused purchase: you may request review of an unused Pro or Point purchase. Approval depends on whether access, included Points, or purchased Points have already been used and on applicable law.
• Used digital value: used Points and successfully delivered generation are generally not refundable merely because you changed your mind. This does not remove remedies for a defective service, misleading description, incorrect charge, or another right protected by law.

7. How refunds are paid

Approved refunds are sent through Paystack to the original payment channel where supported. Paystack indicates that a customer will usually receive a processed refund within 3–10 working days, although bank or channel processing can take longer. JAMOK cannot treat a refund as complete until it has been submitted and recorded through the payment provider.

8. Referral reward reversals

If a Pro payment created a 10-Point referral reward and that qualifying payment is later refunded, charged back, or reversed, the referral reward is reversed as well. If the referrer has already used those Points, the resulting 10-Point deficit may temporarily restrict further generation until it is resolved. A Point top-up never creates a referral reward.

9. How to request help

Email marvelouseze1@gmail.com with: the account email; transaction reference; date and amount; what you bought; and the problem. Do not send a full card number, PIN, password, or one-time code. We may request limited additional information to verify the payer, account, or delivery record.

Version: 2026-11-01 · Effective: 1 November 2026