NOU Credits Policy

1. Value & Conversion

NOU have a fixed value pegged to major fiat currencies. This rate is guaranteed for all standard top-up transactions.

2. Usage & Validity

• Ecosystem Exclusive: Credits are designed solely for use within the Nouverse Technologies ecosystem. They hold no external monetary value.
• Redeemable: Credits can be added to your balance by redeeming valid promotional codes or vouchers issued by Nouverse or its authorized partners.
• Universal: Credits can be used for any service within the Nouverse ecosystem (e.g., paying for hourly server usage in Nouverse Pod).
• Priority: When paying for services, "Bonus Credits" (if any) are consumed first before "Purchased Credits".
• Expiration: Purchased credits do not expire as long as your account remains active. Bonus/Promo credits may have an expiry date of 90 days.

3. Account Limits

For security and account protection, we enforce a maximum credit balance limit per account.

• Regular Users: Maximum 5,000 NOU (approx. Rp5,000,000 / $500).

4. Fees & Taxes

Top-up transactions may be subject to third-party payment gateway fees and applicable taxes. Any such charges are itemised before you confirm a top-up, and the total shown at that point is the amount payable.

International (USD) top-ups are processed by a Merchant of Record, which assesses and collects any sales tax at its own checkout, on top of the total shown.

5. Refund Policy

Credit purchases are refundable under strict conditions as outlined in our Refund Policy.

• Must be requested within 7 days of purchase.
• Usage must be less than 10% of the top-up amount.
• Bonus credits are non-refundable and have no cash value.

6. Restrictions & Ownership

• No Transfer: NOU Credits are tied to the individual account that purchased them. There is no feature to transfer, gift, or sell credits to other accounts.
• No Withdrawal: Credits cannot be withdrawn or converted back to cash, except in the case of a valid refund request as per our policy.
• Fraud Protection: Nouverse reserves the right to cancel or freeze credit balances if they are found to be obtained through fraudulent means, technical exploits, or violations of our Terms of Service.
• Ownership: Credits represent a pre-payment for services and are not a deposit or investment product.