Refund Policy

1. Scope of This Policy

This policy applies to all services and packages we provide, including but not limited to:

• Core, Pro and Elite packages
• Company formation and incorporation filings
• Registered office and business address services
• Banking and payment gateway assistance
• Advisory sessions, audits and consultations
• Online store design and development, product loading and integrations
• Any additional or custom services described in a proposal or order

2. General Principles

2.1 Service-Based, Not Product-Based

Our offerings are services, not physical goods. Once professional work has started or filings have been submitted, the service has been substantially performed, and refunds are generally not possible.

2.2 Third-Party Decisions

Many outcomes depend on third-party providers (e.g., banks, Stripe, PayPal, regulators). We cannot guarantee approvals, risk decisions or account longevity. Rejection, closure or other action by a third-party provider is not a valid reason for a refund, provided we have delivered the agreed services.

2.3 Business Customers

Our services are primarily aimed at business customers. Consumer-specific cancellation rules may not apply. However, where applicable law grants you mandatory rights, those rights are not affected by this policy.

3. Non-Refundable Services

The following are generally non-refundable once we have started work, submitted applications or delivered the service:

3.1 Company Formation and Filings

• Once we have prepared and/or submitted your application to Companies House.
• Companies House filing fees and any third-party formation fees are strictly non-refundable.

3.2 Registered Office and Business Address Services

• Once the address services have been activated or used, or address details have been filed with Companies House.
• Annual renewal fees are non-refundable once the renewal period has started.

3.3 Banking and Payment Gateway Assistance

• Once we have begun preparing and/or submitting your documentation or applications to banks or payment gateways.
• Our fee covers our professional work, experience and support, not the outcome of the bank/gateway decision.

3.4 Advisory Calls, Audits and Consulting

• Once the session has been delivered or the audit/report has been completed or shared.
• If you miss a scheduled call without sufficient notice, we may consider the session delivered.

3.5 Store Build and Technical Implementation (Elite and Similar Services)

• Once design or development work has started based on your brief and materials.
• Work delivered in stages (e.g., design drafts, partial builds) is considered partial fulfilment and is non-refundable for those completed stages.

4. Cases Where a Refund May Be Considered

We may consider a partial or full refund in the following limited situations, at our reasonable discretion:

4.1 Before Work Starts

If you request a cancellation before we have started any work or incurred any external costs on your file, we may refund your payment, possibly minus any reasonable administrative or payment processing fees.

4.2 Duplicate Payment or Clear Billing Error

If you accidentally pay twice for the same service or are incorrectly charged due to our error, we will correct the mistake and issue a refund for the duplicate or incorrect portion.

4.3 Service Not Provided Due to Our Fault

If we are unable to provide a service that you have already paid for, and this is solely due to our fault (not due to missing documents, non-cooperation, or third-party decisions), we will either:

• Provide an alternative solution of equivalent value, or
• Offer a partial or full refund for the undelivered portion.

Each case will be reviewed individually and may require documentation or proof.

5. Client Responsibilities Affecting Refunds

No refunds will be issued in situations where:

• You fail to provide required documents or information within a reasonable timeframe.
• You provide incomplete, inaccurate or misleading information that leads to rejection or delays.
• You change your mind after work has started or filings have been made.
• You fail to respond to our communications needed to proceed with services.
• Your application is rejected, your account is closed, or you face restrictions by a third-party provider (e.g., a bank or payment gateway).

In these cases, our time and services have been expended, and the fees remain payable.

6. Renewals and Cancellations

6.1 Address Services and Similar Renewals

If you have an annual renewal (e.g., registered office and business address):

• You may cancel future renewals by notifying us in writing before the renewal date.
• If you cancel after the renewal has begun or the renewal has been processed, the fee for that renewal period is non-refundable.

You are responsible for ensuring you have an alternative registered office or address service if required by law once you cancel with us.

6.2 Other Subscription-Type Services

If we provide ongoing or recurring services, the specific cancellation and renewal rules will be set out in your agreement or on our website. Usually:

• You may cancel future periods with written notice before the next billing date.
• Fees already charged for a current period are generally non-refundable.

7. Chargebacks and Disputes

We encourage you to contact us first to resolve any concerns about billing or service quality.

If you initiate a chargeback or payment dispute without first attempting to resolve the issue with us, we may:

• Suspend or terminate services
• Provide documentation to the payment provider showing the services performed
• Treat the matter as a breach of contract

We aim to resolve issues fairly and quickly; communication is strongly encouraged.