/* Usovo — Refund Policy page. Content mirrors terms/refund-policy.md verbatim. */
const S = LegalStyles;

function RefundPolicy() {
  return (
    <div className="usovo-page" style={S.page}>
      <LegalHeader eyebrow="Legal" title="Refund Policy" effective="September 11, 2026" />
      <main className="usovo-legal-container" style={S.container}>
        <h2 style={{ ...S.h2, marginTop: 0 }}>1. Free Tier</h2>
        <p style={S.p}>The Free tier requires no payment, so there is nothing to refund.</p>

        <h2 style={S.h2}>2. Pro Subscription</h2>
        <p style={S.p}>PayPal processes payment for all Pro purchases, but <strong>Usovo — not PayPal — decides refund eligibility</strong> under this policy, since PayPal is our payment processor rather than a Merchant of Record. Approved refunds are issued back to you through PayPal.</p>

        <h2 style={S.h2}>3. Free Trial — No Risk</h2>
        <p style={S.p}>New Pro subscriptions include a <strong>3-month free trial</strong> (once per account). You are not charged during the trial, and you can cancel anytime before it ends — via <em>Account → Subscription → Cancel subscription</em> — at absolutely no cost. If you've already used your account's trial, a new subscription starts billing immediately.</p>

        <h2 style={S.h2}>4. Refund Eligibility</h2>
        <p style={S.p}>If you are charged after your trial ends (or on a renewal), you're eligible for a <strong>full refund if you request it within 14 days of that charge</strong>, no questions asked.</p>

        <h2 style={S.h2}>5. Not Eligible for Refund</h2>
        <ul style={S.ul}>
          <li style={S.li}>Requests made more than 14 days after the charge;</li>
          <li style={S.li}>Repeated trial-then-cancel cycles intended to re-claim a trial — each account gets one trial, enforced automatically;</li>
          <li style={S.li}>Charges on an account suspended or terminated for violating our Terms of Service.</li>
        </ul>

        <h2 style={S.h2}>6. How to Request a Refund</h2>
        <p style={S.p}>Email <a href="mailto:help@usovo.in" style={{ color: '#5B6E2C' }}>help@usovo.in</a> with your account email and the date of the charge. We aim to respond within <strong>3 business days</strong>.</p>

        <h2 style={S.h2}>7. How Refunds Are Issued</h2>
        <p style={S.p}>Approved refunds are issued via PayPal back to your original payment method, typically within 5 business days of approval.</p>

        <h2 style={S.h2}>8. Before You File a Dispute</h2>
        <p style={S.p}>Please contact us first if you have a billing issue — most requests are resolved faster this way. Filing a dispute or chargeback with PayPal or your bank without first requesting a refund may result in your account being suspended while the dispute is resolved.</p>

        <h2 style={S.h2}>9. Account Deletion Is Not a Refund</h2>
        <p style={S.p}>Deleting your account (<em>Account → Subscription → Delete account</em>) immediately cancels any active subscription so you are not billed again, but it does not by itself refund past charges. Request a refund separately under Section 4 if you're eligible.</p>
      </main>
      <LegalFooter />
    </div>
  );
}