Nest.

Refund and Cancellation Policy

Effective date: October 14, 2026

This policy is part of the Terms of Service between you and Mule Digital LLC, which sells the Nest product. It restates Section 9 of the Terms. If this page and the Terms conflict, the Terms control.

1. No refunds

ALL FEES, SUBSCRIPTION CHARGES (MONTHLY AND ANNUAL), RENEWAL CHARGES, SEAT CHARGES, AND CREDIT-PACK PURCHASES ARE PAID IN ADVANCE, ARE FULLY EARNED WHEN PAID, AND ARE NON-REFUNDABLE TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. CANCELLATION STOPS FUTURE RENEWALS ONLY AND DOES NOT ENTITLE YOU TO A REFUND (SECTION 9.2 OF THE TERMS). THIS INCLUDES: (a) PARTIAL BILLING PERIODS; (b) UNUSED TIME, SEATS, FEATURES, OR CREDITS; (c) DOWNGRADES; (d) CANCELLATION OR CLOSURE OF YOUR ACCOUNT AT ANY TIME; (e) DISSATISFACTION; (f) ANY DATA, RATE, CALCULATION, ESTIMATE, AI OUTPUT, OR OTHER INFORMATION THAT IS DISPLAYED INCORRECTLY, IS INCOMPLETE, OR IS OUT OF DATE; (g) THE SERVICE OR ANY FEATURE NOT WORKING AS YOU INTENDED OR EXPECTED, BEING UNAVAILABLE, OR CONTAINING ERRORS; AND (h) SUSPENSION OR TERMINATION FOR YOUR BREACH.

We do not give refunds, credits, or prorations for any of the above. A refund or credit we give in one instance is a courtesy, does not change this policy, and does not oblige us to give one again. Plan changes. Switching from monthly to annual starts a new annual term immediately; the unused part of the current paid month is applied once as a courtesy credit against the new charge and is not a refund. A change from annual to monthly takes effect when the annual term ends.

2. How to cancel

  • Open Settings > Billing in the app and choose Cancel subscription, or email hello@nestannuity.com.
  • Cancellation stops future renewals and takes effect at the end of your current paid period. You keep access until then.
  • Cancelling does not refund or prorate the period you already paid for. You will not be charged again after you cancel.
  • ACCOUNT CLOSURE. If you close your account from Settings, your subscription is cancelled immediately, your access ends immediately, and no refund, credit, or proration is given for the unused part of any paid period. To keep access until the end of the paid period, cancel the subscription instead of closing the account. After closure you may request an export of your Customer Data at hello@nestannuity.com within 30 days.
  • We will give at least 30 days’ email notice before any price increase takes effect, and at least 30 days’ notice (and not more than 60) before an annual renewal. For a renewal that falls within 30 days after you first accept the Terms, we will give as much notice as is practicable.

3. Credits

Credits are non-refundable, non-transferable, and have no cash value. Any expiry period for credits is stated at the point of purchase.

4. Billing errors

Duplicate or erroneous charges will be refunded promptly. Email hello@nestannuity.com with the date and amount.

5. If we end the Service

If Mule Digital LLC discontinues the Service entirely, or terminates your subscription for its own convenience and not for your breach, it will refund the unused prepaid portion of the current paid period. This is your sole remedy in that case. This does not apply to any suspension, limitation, or termination under Section 3 or Section 13 of the Terms, including for breach, non-payment, a payment dispute or chargeback on a charge that was authorized and consistent with these Terms, abuse or complaint rates, a security or legal risk, or a request or requirement of a regulator, carrier, or payment processor, for which no refund, credit, or proration is owed.

6. Errors and malfunctions

If information is displayed incorrectly or the Service does not work as you intended, the process in Section 15 of the Terms applies: notify us in writing at hello@nestannuity.com within 30 days after you first discover the error and we will use commercially reasonable efforts to correct the error or provide a workaround. If we do not do so within a reasonable time, your remedy is to cancel effective at the end of the current billing period. A late notice does not shorten the period in Section 18 of the Terms; it only affects how soon we are required to act. No refund, credit, or proration is provided.

7. Questions about a charge

Before disputing any charge with your card issuer, please contact hello@nestannuity.com and give us 10 business days to resolve the issue. Nothing in this policy or the Terms limits any right you have to dispute a transaction with your card issuer. Disputes about this policy are resolved under Sections 19 and 20 of the Terms.