Refund Policy

1. Overview

This Refund Policy explains when and how AfroSynergy issues refunds for subscriptions, escrow transactions, and commissions. It applies in addition to our Terms of Service and any statutory rights you may have (e.g. consumer cooling-off, distance-selling rules). Where local law gives you greater rights, those rights apply.

2. Definitions

• Subscription: Recurring access to AfroSynergy plans (e.g. monthly or annual).
• Escrow: Funds held (via our payment partners) until deal milestones are completed or a dispute is resolved. Escrow disputes are handled through our platform dispute process and may involve admin-assisted resolution before any release or refund.
• Commission: Fees paid to AfroSynergy for introductions, facilitation, or platform use.
• Cooling-off: A statutory period during which you may cancel a contract and receive a refund without giving a reason.
• Chargeback: A reversal of a card payment initiated by the cardholder or card issuer (e.g. dispute, fraud claim).
• Pro-rated refund: A refund calculated for the unused portion of a subscription period.

3. Subscription Refunds

3.1 Free Trial

Free trials last 14 days. Cancel anytime during the trial period with no charge. No refund applies — you simply will not be billed.

3.2 Monthly Plans

• Within 14 days: 100% refund, no questions asked
• After 14 days: No refund; access continues until end of billing period
• Renewals: 7-day refund window after each renewal charge

3.3 Annual Plans

• Within 30 days: 100% refund, no questions asked
• After 30 days: Pro-rated refund minus 15% administrative fee
• Renewals: 14-day refund window after each renewal charge

4. Cooling-Off and Statutory Rights

Where applicable (e.g. EU, UK, certain African jurisdictions), you may have statutory cooling-off or distance-selling rights. These apply in addition to this policy. We will honour them where required by law.

5. Escrow Transaction Refunds

Escrow is funded via our payment partners. Disputes over release or refund are resolved through our platform dispute process; admin may assist in reaching an outcome before funds are released or refunded.

5.1 Before Milestone Completion

Escrow funds may be refunded before milestone completion in these cases:

• Mutual cancellation: Both parties agree to cancel the deal
• Failed milestones: Milestone conditions were not met and parties cannot agree on completion
• Misrepresentation: One party materially misrepresented information, verified through our resolution process
• Force majeure: Unforeseeable circumstances (natural disasters, war, pandemic) make completion impossible

5.2 After Milestone Completion

• Funds are released within 3 business days of mutual confirmation
• Disputes after release must go through our formal resolution process

6. Commission Refunds

Commission refunds are evaluated case-by-case.

Eligible

• Fraud detected within 30 days of transaction
• Technical errors resulting in duplicate or incorrect charges
• Deals completed entirely off-platform (no AfroSynergy facilitation)

Not Eligible

• Post-closure complications between buyer and seller
• Buyer's remorse or change of mind
• Disputes unrelated to the transaction or platform error

7. Chargebacks and Card Disputes

If you dispute a charge with your card issuer (chargeback) instead of requesting a refund through AfroSynergy, we will respond to the issuer with evidence of the transaction and our Refund Policy. Chargebacks may result in:

• Account suspension or termination if we determine abuse (e.g. fraudulent chargebacks)
• Reversal of the disputed amount and possible fees passed on as permitted by our payment partner
• Reporting to card networks or authorities where required for fraud

We encourage you to contact us first to resolve billing issues. Refunds requested through our process are typically faster and avoid chargeback fees. If you have already initiated a chargeback, we will still consider a refund where appropriate and may close the dispute upon receipt of payment.

8. Non-Refundable Items

Unless required by law or explicitly stated, the following are generally not refundable:

• Subscription fees after the refund window has expired (access continues until end of billing period)
• Commission or facilitation fees once a deal has been completed and funds released
• Fees for one-off services (e.g. premium verification) once the service has been delivered
• Amounts forfeited under our Terms of Service (e.g. breach, fraud, or policy violation)

9. Currency and Method of Refund

Refunds are issued in the same currency as the original payment unless we agree otherwise or local law requires a different approach. Refunds are made to the original payment method (card, bank transfer, or mobile money) where possible. If we offer a platform credit balance, we may refund to that balance where the original method is no longer available, subject to verification.

Exchange rate fluctuations between the time of payment and refund are at the customer's risk; we do not compensate for currency movements unless required by law.

10. How to Request a Refund

Follow this 5-step process:

1. Log in to your AfroSynergy account
2. Go to Settings → Billing
3. Select the transaction or subscription you wish to refund
4. Click Request Refund and complete the form
5. Submit. Our team will review within 5 business days

For urgent requests or if you cannot access the form, submit an inquiry.

11. Processing Times

* Processing times begin after your refund is approved.

12. Exceptions

We may extend refund windows or waive fees in exceptional circumstances, including:

• Medical emergencies
• Natural disasters or civil unrest
• Extended platform outages affecting your ability to use services
• Significant currency losses due to exchange rate volatility during held escrow

Submit an inquiry with documentation. Each case is reviewed individually.

13. Dispute Resolution

Disputes about refund eligibility or amounts that cannot be resolved with our support team are subject to the dispute resolution and governing law provisions in our Terms of Service. Escrow-related disputes may be handled through our formal resolution process before any refund or release of funds.

14. Contact Us

For refund requests or billing questions, submit an inquiry.