Legal
Refund Policy
Last Updated: 1 October 2026
This Refund Policy ("Policy") governs all subscription fees and payments remitted for software services provided by AgileOps, an unincorporated sole proprietorship organized under the laws of The Commonwealth of The Bahamas, doing business as Zirano (which, upon corporate restructuring or incorporation, includes its corporate successor entity, assignees, and affiliates; collectively, "Zirano", "AgileOps", "we", "us", or "our").
This Policy applies to our web application at app.zirano.finance and our site at zirano.finance. This Policy is incorporated into and forms an integral part of our Terms of Service.
1. Underlying Billing and Payment Architecture
1.1 Non-Automatic Billing via Kanoo
Zirano integrates with Kanoo (operating via Kanoo Pays / CaribPay Ltd.) for payment processing in Bahamian Dollars (BSD) and US Dollars (USD). The Service does not maintain automatic recurring card debits. Subscription terms (monthly or annual) require conscious settlement by the workspace Owner for each subsequent cycle. Because no silent or automatic charges occur, there is no recurring monthly card deduction to cancel. If you wish to discontinue your subscription, you simply do not pay the subsequent billing invoice.
1.2 14-Day Complimentary Trial
Our 14-day free trial on the Growth Plan requires no credit card, debit card, or electronic wallet details. Because no monetary charges are incurred during a trial, no trial charges exist to refund or reverse.
2. Refund Eligibility Matrix
We believe in equitable commercial dealings. The following terms govern refund eligibility:
| Circumstance | Refund Entitlement | Conditions & Scope |
|---|---|---|
| Duplicate or Processing Error | 100% Full Refund of the erroneous charge. | Applicable where a technical error or erroneous payment submission produces duplicate charges for the identical billing cycle. |
| Annual Subscription Grace Window | 100% Full Refund of the annual fee. | Request must be submitted in writing by the workspace Owner within fourteen (14) calendar days of initial annual payment settlement. |
| Material Deprecation of Core Features | Prorated Refund of unused full months. | Applicable if Zirano removes a core operational feature central to the plan tier you paid for, or terminates platform operations without cause prior to term expiration. |
| Extended Platform Unavailability | Full Monthly Credit / Refund for the impacted period. | Applicable if the Service experiences continuous, verifiable technical downtime exceeding three (3) consecutive calendar days during an active paid period, where downtime is attributable directly to our internal systems. |
| Standard Monthly Plans | Non-Refundable once period commences. | Monthly fees are fully earned upon payment settlement. You maintain full operational access through the end of the paid month. |
| Annual Plans Past 14 Days | Non-Refundable after day 14. | Annual fees reflect substantial upfront discounts and become non-refundable after fourteen (14) calendar days. |
| Mid-Term Voluntary Downgrades | Non-Refundable. | Voluntary plan tier reductions take effect at the conclusion of your active prepaid period. |
3. Refund Submission Procedure
To request an approved refund under Section 2:
- Dispatch an electronic request to support@zirano.finance;
- Ensure the email originates from the verified email address of the workspace Owner;
- Include your workspace name, administrative login email, the specific transaction invoice reference number (formatted as
ZIR-XXXXX), and the factual basis for the refund request.
Our administrative team investigates and responds to formal refund inquiries within three (3) business days.
4. Processing Mechanics, Currencies, and Timeframes
- Original Payment Method: In compliance with Bahamian financial compliance rules and Kanoo processing standards, approved refunds are returned strictly to the original funding source (the specific debit/credit card or Kanoo digital wallet used during checkout). We will not remit refunds to alternative third-party accounts.
- Currency: Refunds are issued in the currency charged (BSD or USD).
- Processing Execution: Approved refunds are manually processed through Kanoo merchant operations within five (5) business days of approval. Banking settlement cycles typically require an additional five (5) to ten (10) business days to post to your financial institution.
- No Fee Deductions: Where a full or prorated refund is approved, we refund the full applicable software fee. Zirano absorbs third-party payment processing fees associated with the refund transaction.
5. Impact of Refunds on Workspace Data and Access
- Duplicate Charges: Refunding a duplicate payment has zero impact on active workspace access; your primary payment continues to cover your billing term.
- Full Refunds of Billing Term: Where a full refund of your sole subscription payment is granted, the workspace reverts to the status it would hold without payment (transitioning through our standard grace period to the Free Plan).
- Absolute Data Preservation: Issuing a refund will never trigger the automatic deletion of your books or records. Your accounting journals, bank transaction histories, attachments, and reports remain intact and accessible under the Free Plan, and can be fully exported at any time.
6. Partner Pricing and Referral Adjustments
If your workspace enjoys a 15% discount via an authorized Bookkeeping Partner referral link, any approved refund calculation will be computed strictly against the net discounted amount you actually paid, not the gross unadjusted retail list price. Corresponding Partner referral commission allocations will be debited or adjusted automatically.
7. Professional Partner Services Disclaimer
Professional accounting services (such as Done-For-You Books, CPA onboarding, or VAT advisory engagements) shown on our marketing channels are rendered directly by independent third-party accounting and bookkeeping firms.
- Service cancellations, retainers, and refund eligibility for professional services are governed exclusively by your independent service agreement with that specific firm.
- Zirano is not a party to those engagements and cannot process refunds for fees paid to external partner firms.
8. Corporate Successorship
AgileOps operates as an unincorporated Bahamian sole proprietorship. This Policy, and all rights and obligations arising hereunder, shall automatically transfer and inure to the benefit of any corporate entity, corporate successor, or assignee formed to operate AgileOps or Zirano under Bahamian law.
9. Policy Amendments and Inquiries
We reserve the right to amend this Policy upon providing thirty (30) days' written notice to registered workspace Owners. Revisions apply strictly to subscription payments processed following the effective revision date.
Billing & Refund Support:
AgileOps d/b/a Zirano
Nassau, New Providence, The Commonwealth of The Bahamas
Inquiries: support@zirano.finance