Payment Policy

Effective Date: 23 June 2026

This Payment Policy applies to subscriptions, content rentals, and other paid services offered through https://tvnao.com.

1. Available Payment Methods

Depending on availability, location, device, and payment-provider support, payments may be made using:

  • Credit cards
  • Debit cards
  • UPI
  • Net banking
  • Mobile wallets
  • Recurring payment mandates
  • Other payment methods displayed at checkout

Payment methods may be added, restricted, or removed without prior notice where required for security, technical, regulatory, or commercial reasons.

2. Prices and Checkout

The applicable price, subscription period, rental period, taxes, discounts, and total payable amount will be displayed before you confirm payment.

You should review:

  • Selected plan or rental.
  • Billing period.
  • Device or screen limits.
  • Rental viewing window.
  • Whether automatic renewal applies.
  • Total price and applicable taxes.

By confirming a transaction, you authorise the relevant payment provider to process the displayed amount.

3. Payment Confirmation

A subscription or rental becomes active only after TV Nao receives successful payment confirmation from the payment provider.

If your bank account is debited but access is not activated, do not immediately make repeated payments. Contact us at info@tvnao.com with:

  • Registered email address.
  • Transaction date and amount.
  • Order or transaction reference.
  • Payment method used.
  • Screenshot showing payment status, with sensitive details hidden.

Never send your password, OTP, UPI PIN, CVV, or complete card number.

4. Subscription Billing

Subscriptions may be prepaid for the duration shown at checkout.

Where recurring billing is offered, you may authorise a payment mandate. By doing so, you permit the payment provider to charge the applicable subscription price on each renewal date, subject to applicable authentication and notification requirements.

A renewal may fail because of:

  • Insufficient funds.
  • Expired or blocked payment instrument.
  • Mandate expiry or cancellation.
  • Bank or gateway restrictions.
  • Authentication failure.
  • Technical or regulatory reasons.

If renewal fails, TV Nao may retry the transaction where permitted, provide a grace period, downgrade the account, or suspend access until payment is completed.

5. Cancelling Automatic Renewal

You may cancel automatic renewal through your account settings, where available, or by contacting info@tvnao.com.

To avoid the next charge, cancellation should be completed before the next billing date. A cancellation request submitted after a renewal has already been processed may apply from the following billing cycle.

After cancellation:

  • Future recurring charges will stop.
  • Access normally continues until the end of the already-paid period.
  • No prorated refund is ordinarily issued for the unused portion.
  • Rentals already purchased remain governed by their original viewing window.

Removing the application, not using the service, or logging out does not automatically cancel a subscription.

6. Rental Payments

Payment for a rental grants access only to the selected title and only for the displayed rental period.

Rental charges are not recurring unless explicitly stated. Once playback begins, the rental is treated as consumed and is generally not refundable.

A rental may expire even if you do not complete the content within the allowed viewing period.

7. Refund Eligibility

Because subscriptions and rentals are digital services made available promptly after payment, payments are generally non-refundable once access has been activated.

A refund or service credit may be considered where:

  • The same transaction was charged more than once.
  • Payment succeeded but access was never activated.
  • A rented title could not be played because of a verified TV Nao technical failure.
  • An incorrect amount was charged by TV Nao.
  • A refund is required under applicable law.
  • TV Nao expressly approves an exception after reviewing the circumstances.

Refunds will not ordinarily be provided for:

  • Change of mind.
  • Failure to use a subscription.
  • Partial use of a billing period.
  • Accidental purchase not promptly reported.
  • Rental expiry after access was provided.
  • Poor connectivity or insufficient data speed.
  • Device incompatibility where requirements were reasonably disclosed.
  • Dissatisfaction with the storyline, quality, instructor, or content.
  • Forgotten cancellation before renewal.
  • Account suspension caused by a violation of the Terms.
  • Removal of a particular title from the general subscription catalogue.
  • Promotional or discounted plans stated to be non-refundable.

Nothing in this Policy limits non-waivable consumer rights.

8. Refund Requests

Refund requests should be emailed to info@tvnao.com as soon as possible and preferably within 7 days of the transaction.

Include:

  • Account holder’s name.
  • Registered email or mobile number.
  • Order or transaction ID.
  • Date and amount.
  • Name of the plan or rented title.
  • Clear explanation of the problem.
  • Supporting screenshots, where relevant.

Submitting a request does not guarantee approval. We may review account activity, playback records, payment status, device logs, and communications before making a decision.

9. Refund Processing Time

Approved refunds will normally be initiated to the original payment method within 7–10 business days.

After initiation, the final credit time is controlled by the bank, card network, UPI provider, wallet, or payment gateway. It may take additional time to appear in your account.

If the original method cannot receive a refund, we may request additional information and use another legally permitted method.

10. Failed and Pending Transactions

A payment may appear as pending because confirmation has not yet been received from the bank or gateway.

If a failed transaction was debited, reversal is generally handled by the relevant payment institution according to its applicable timelines. TV Nao will provide reasonable assistance using the transaction information available to us.

Do not initiate a chargeback and a direct refund request simultaneously for the same transaction, as this may delay resolution.

11. Duplicate Payments

If you are charged more than once for the same order, contact us with both transaction references.

After verification, the duplicate amount may be refunded to the original payment method. Two intentional purchases, separate rentals, or separate subscription orders will not be treated as duplicate charges merely because they have the same value.

12. Chargebacks and Payment Disputes

Before raising a chargeback, please contact us so we can investigate the transaction.

Fraudulent chargebacks, false claims, or repeated payment abuse may result in account restriction. We may submit relevant order records, login information, payment confirmations, and usage records to the payment provider for dispute resolution.

This does not prevent you from exercising legitimate rights available through your bank or applicable law.

13. Promotional Pricing

Coupons, free trials, introductory rates, and promotional subscriptions may have separate conditions.

At the end of a promotional period, a subscription may renew at the then-disclosed standard price if you authorised recurring billing and did not cancel it.

Promotional benefits:

  • Cannot ordinarily be exchanged for cash.
  • May be restricted to eligible users.
  • May expire if not redeemed on time.
  • May be withdrawn where obtained through fraud or technical manipulation.
  • May not be combined unless expressly permitted.

14. Price Changes

TV Nao may revise subscription or rental prices.

Changes to one-time rentals apply to future purchases. Changes to recurring subscriptions will ordinarily apply from a later renewal cycle and will be communicated where required.

You may cancel automatic renewal before the revised charge is processed.

15. Taxes and Invoices

Applicable taxes may be charged as required by law. An electronic receipt or invoice may be made available through your account or sent to your registered email address.

You are responsible for providing accurate billing and tax information. Requests to amend an invoice may be declined where the change is not legally or technically permitted after issuance.

16. Payment Security

Payments may be processed through authorised third-party payment providers using their security systems.

TV Nao will never ask you to share your:

  • OTP
  • UPI PIN
  • ATM PIN
  • CVV
  • Internet-banking password
  • Complete card details by email or telephone

Immediately report suspicious requests pretending to represent TV Nao.

17. App Store and Third-Party Purchases

If a subscription is purchased through an app store, telecom provider, bundle partner, or another third party, billing, cancellation, and refunds may be handled by that provider under its terms.

TV Nao may be unable to directly refund payments collected by a third party.

18. Contact for Payment Support

For payment, billing, cancellation, or refund assistance:

TV Nao
Website: https://tvnao.com
Email: info@tvnao.com