Overview

This Refund Policy explains how refunds are handled for transactions processed through Visa® and Mastercard®. By completing a transaction with us, the cardholder agrees to the terms outlined below.

Eligibility for Refunds

Refunds may be issued for eligible transactions under the following circumstances:

· Duplicate charges

· Processing errors

· Returned goods or canceled services in accordance with the applicable purchase agreement

· Other situations where a refund is legally required

Refunds are not available for services already rendered or products designated as final sale, unless otherwise required by law.

Method of Refund

· All refunds for Visa and Mastercard transactions will be issued only to the original card used for the purchase.

· Refunds will be processed as a credit to the same card account; cash, check, wire transfer, or alternative payments will not be provided for card-based purchases.

· Partial refunds may be issued when applicable and permitted.

Timing of Refunds

· Approved refunds will be submitted for processing within 3–5 business days of approval.

· Once processed, the time required for the refund to appear on the cardholder’s statement varies by issuer, typically 5–10 business days.

· We are not responsible for delays caused by the card issuer or payment network.

Non-Refundable Fees

Unless prohibited by law or card network rules, certain fees may be non-refundable, including but not limited to:

· Third-party service fees

· Processing or convenience fees (if disclosed at the time of transaction)

Any non-refundable fees will be clearly disclosed before the transaction is completed.

Cancellations

If a transaction involves recurring or future-dated services, cardholders may cancel in accordance with the cancellation terms provided at the time of enrollment or purchase. Refund eligibility following cancellation depends on those disclosed terms.

Chargebacks and Disputes

· Cardholders are encouraged to contact us directly to resolve refund concerns before initiating a chargeback.

· Refunds will not be issued for transactions that are currently under dispute or chargeback until the dispute is resolved.

· If a chargeback is filed, we reserve the right to provide transaction records and related documentation to the card issuer in accordance with Visa and Mastercard rules.

Compliance With Card Network Rules

This policy is designed to comply with all applicable Visa and Mastercard operating regulations, including requirements related to disclosure, refund timing, and refund method. We reserve the right to update this policy as card network rules or applicable laws change.

Contact Information

Questions regarding refunds may be directed to:

Customer Support:

Email: [email protected]

Phone: 239-672-8616

Business Hours: 10am to 2pm