Refund Policy — Finoment

This policy applies to purchases from Finoment LLC, a software development, fintech research, and consulting company. Finoment LLC is not a bank, EMI, payment institution, or regulated financial-services provider and does not hold customer funds.

1. Digital products

Because our products are digital and delivered immediately upon successful payment, we do not offer refunds by default once delivery has occurred. Exceptions:

Duplicate charge or technical failure: full refund upon verification.
Product not delivered or materially different from description: full refund upon verification.
Statutory rights: nothing in this policy limits refund or withdrawal rights that apply to you by law (e.g. 14-day right of withdrawal for consumers in the EU/UK, subject to the digital-content exception where delivery has begun with your prior consent).

2. Subscriptions (if applicable)

Where a link creates a recurring subscription, you may cancel at any time from your account. Cancellation stops future renewals. Amounts already charged for the current billing period are non-refundable except as required by law.

3. Consulting services (Q&A and online calls)

Consulting purchases (written Q&A responses and online consulting calls) are non-refundable. By submitting a consulting request you are asking us to begin performing a service, and you expressly waive any statutory right of withdrawal in respect of that service:

Written Q&A: non-refundable once we begin preparing your written response.
Online call: non-refundable after the scheduled call start time. Missed calls are treated as delivered. Rescheduling with at least 24 hours' notice is offered as a courtesy where our calendar allows.
Declined requests: if we decline a request before a payment link is issued, no charge is made. If a request is declined after payment for reasons attributable to us (e.g. we cannot deliver the scope agreed), we will refund in full.

You confirm this waiver on the consulting request form before a payment link is generated. This paragraph does not limit any non-excludable statutory right that applies to you.

3. How to request a refund

Email info@fintem.com within 30 days of the transaction, quoting your invoice number and reason. We reply within 5 business days. Approved refunds are issued to the original payment method within 5–10 business days of approval.

4. Chargebacks

Please contact us before initiating a card chargeback so we can resolve the issue directly. Chargebacks filed for reasons we can demonstrably rebut with delivery, KYC and 3-D Secure evidence may result in suspension of your account and referral for collection of the disputed amount plus any fees imposed on us by the payment network.

5. Contact