Talkif Monthly Plan Terms

These Monthly Plan Terms ("Plan Terms") apply when a Customer starts a Talkif monthly plan ("Plan"). They supplement the Talkif Terms of Service ("Terms"); where they conflict on a Plan, these Plan Terms prevail. Capitalized words not defined here have the meaning given in the Terms.

1. Business use only

1.1 Plans are offered only to businesses and professionals for use in their trade, business or profession. By starting a Plan, the person accepting confirms they act on behalf of such a business and are authorized to bind it.

1.2 Because Plans are not offered to consumers, statutory consumer cooling-off and withdrawal rights (for example the 14-day right of withdrawal under EU, UK or Turkish consumer law) do not apply. Talkif nevertheless offers the refund in Section 1.3 to every Customer. If mandatory law gives the Customer a withdrawal right, the Customer asks for the Plan's credit to be available immediately and accepts that credit already used is not refundable.

1.3 14-day refund. Within 14 days of a Plan's first payment, the Customer can ask for a refund in the Talkif dashboard (Billing). Talkif then refunds to the payment card the part of the credit the Plan's payments added that has not been used, and the Plan ends at once, together with its benefits under Section 2.3. Credit already used is not refunded. This refund is available once per Account, for its first Plan, and not during a free month (Section 3.4), when nothing has been charged.

2. What a Plan is

2.1 A Plan is an automatic monthly payment of the Plan amount shown at sign-up. The full amount is added to the Customer's Account balance as purchased credit each time it is paid. Plan credit is used and priced exactly like any other purchased credit, at the rates published at https://talkif.ai/pricing.

2.2 Plan credit does not expire. Unused balance is refundable on account closure under Section 5.8 of the Terms.

2.3 While a Plan is active, the Customer also receives (a) a monthly allowance of call minutes without the platform fee, as shown at sign-up (AI and phone line usage is still charged; unused minutes end with the monthly period); (b) where shown at sign-up, a lower platform fee per minute for calls made while the Plan is active; and (c) assistant credit equal to the percentage of each Plan payment shown at sign-up, which expires as stated in the product. A Plan does not include phone numbers: rent for any phone number is paid from the balance, as without a Plan. These benefits have no cash value, are not refundable and stop when the Plan ends or a payment is past due.

2.4 Account Limits depend on payments made to the Account in the last 30 days, as described in Section 3.2 of the Terms and published at https://talkif.ai/pricing, and are counted the same whether the money came from a Plan or a top-up. An active Plan keeps the level its monthly payment reaches until its next renewal.

3. Renewal and payment

3.1 By starting a Plan, the Customer authorizes Talkif to charge the payment method chosen at sign-up the Plan amount when the Plan starts (or, for a Plan that starts with a free month under Section 3.4, when the free month ends) and then every month on the same day (or the last day of a shorter month) until the Plan is canceled. Prices exclude taxes (Section 5.9 of the Terms).

3.2 Talkif sends a confirmation when the Plan starts and a reminder at least three days before each renewal, to the account owner's email address.

3.3 If a renewal cannot be charged, the Plan becomes past due: its benefits in Section 2.3 pause, the Account keeps working on its balance, and Talkif retries the charge one, three and five days after the renewal date. If the last retry fails, the Plan ends. Talkif notifies the Customer after each failed attempt.

3.4 Free first month. Where Talkif offers it, a Customer's first Plan of the kind shown at sign-up may start with a free month. No payment is taken when it starts. During the free month the Account receives the Plan amount as promotional credit, which is not refundable and expires when the free month ends, together with the monthly allowance of minutes without the platform fee. This credit can also pay for one phone number, whose rent is then paid from the balance. The assistant credit starts with the first payment, and Account Limits stay at the level for Accounts without a payment until then. Talkif sends a reminder at least three days before the free month ends. The first payment is charged when the free month ends, and the Plan then renews monthly under Section 3.1. If the Customer cancels before the free month ends, nothing is charged. The Plan cannot be changed during the free month. The free month is available once per person, phone number and payment card, on the personal Account the person created when they first signed up, if it has not had a Plan before, and Talkif may stop offering it to new sign-ups at any time.

4. Cancellation

4.1 The Customer can cancel a Plan at any time in the Talkif dashboard (Billing), with no need to contact Talkif. Cancellation takes effect at the end of the current monthly period; no further payment is charged after that. The Customer can undo a cancellation until the period ends.

4.2 Credit already added stays in the balance after cancellation. Apart from the refund in Section 1.3, a payment for a period that has started is not refunded, because its full amount has already been added as usable credit.

5. Changing Plans

5.1 Moving up takes effect immediately: Talkif charges the difference between the two Plan amounts and adds that difference as credit at once. The next renewal is charged at the new amount on the existing renewal date.

5.2 Moving down takes effect at the next renewal, which is charged at the lower amount. Nothing is refunded for the current period.

6. Price and Plan changes

6.1 Talkif may change Plan amounts, benefits or these Plan Terms with at least 30 days' notice by email. A change applies from the first renewal after the notice period. The Customer can cancel before then.

6.2 Talkif may stop offering a Plan to new customers at any time; existing Plans continue until the Customer cancels or Talkif ends them with the notice in Section 6.1.

7. Ending a Plan

7.1 A Plan ends immediately, without refund of the current period, if: (a) a Plan payment is disputed with the card issuer (chargeback); (b) the Account is scheduled for deletion; or (c) the Account is suspended or terminated under the Terms. Credit already added is handled as described in the Terms (including dispute holds under Section 5.7).

8. Purchases through Apple

8.1 Plans are sold through the Talkif website and, in the Talkif iPhone and Mac apps, through Apple. Credit bought in the apps through Apple's In-App Purchase is sold and billed by Apple; refunds for such purchases are handled only by Apple under Apple's terms, and are not refunded by Talkif on account closure.

8.2 A Plan bought through Apple is an Apple auto-renewing subscription. Apple charges you, renews it every month and handles cancellation, price changes and refunds under Apple's terms. You cancel it in your Apple account settings (Subscriptions), not in Talkif. Sections 3 (payment and renewal by card), 4 (cancellation in Talkif) and the 14-day refund in Section 1.3 apply to Plans bought on the website only.

8.3 For a Plan bought through Apple, Talkif adds the Plan amount in US dollars to your balance for each month Apple charges, whatever the price Apple shows in your country, and gives the minutes without the platform fee for that month. If Apple refunds a payment, Talkif takes that month's credit back as far as the balance allows and the Plan ends.

8.4 An account has one Plan at a time, bought on the website or through Apple. Deleting your Talkif account ends the Plan in Talkif but does not cancel the Apple subscription: cancel it in your Apple account settings, or Apple keeps charging you.

9. Records

9.1 Talkif keeps a record of the Customer's acceptance of these Plan Terms (who accepted, when, and which version), of each Plan payment and of each cancellation or change, for as long as the Terms require billing records to be kept.

Questions about this document? Write to legal@talkif.ai.