At Capital Refunds, we are committed to providing reliable and efficient bank fund transfer services. This Refund Policy outlines the circumstances under which refunds may be issued and the procedures for requesting them.

Service Fees

Non-Refundable Fees

The following fees are non-refundable once services have been initiated:

• Service processing fees
• Administrative fees
• Transaction initiation fees
• Account verification fees

Refundable Circumstances

Refunds may be issued in the following situations:

1. Service Not Rendered: If Capital Refunds fails to initiate or complete the requested fund transfer service through our own fault or error.

2. Duplicate Charges: If you were accidentally charged multiple times for the same transaction.

3. Unauthorized Charges: If charges appear on your account that you did not authorize (subject to investigation).

4. Technical Errors: If a system error on our end resulted in incorrect charges or failed services.

Refund Request Process

How to Request a Refund

To request a refund, please follow these steps:

1. Contact Us Promptly: Submit your refund request within 30 days of the transaction date

2. Provide Documentation: Include the following information:

   • Transaction ID or reference number
   • Date of transaction
   • Amount charged
   • Detailed explanation of the issue
   • Supporting documentation (bank statements, screenshots, etc.)

3. Submit Your Request:

   • Email: [Insert Contact Email]
   • Phone: [Insert Contact Phone]
   • Mail: [Insert Mailing Address]

Review Timeline

• Initial Review: We will acknowledge receipt of your refund request within 2-3 business days
• Investigation: Our team will conduct a thorough review within 7-10 business days
• Decision Notification: You will be notified of our decision via email or phone within 14 business days of your request

Processing Refunds

If your refund request is approved:

• Refund Method: Refunds will be issued using the original payment method
• Processing Time:
  • Credit/Debit Cards: 5-10 business days
  • Bank Transfers: 7-14 business days
  • Other Payment Methods: As applicable per payment provider policies

Note: The time it takes for the refund to appear in your account may vary depending on your financial institution's processing times.

Transfer Cancellations

Before Processing

If you wish to cancel a fund transfer before it has been processed:

• Contact us immediately through our customer support channels
• Cancellation requests are honored on a best-effort basis
• If successfully canceled before processing, applicable service fees may be refunded minus a cancellation processing fee of [X%] or $[X]

After Processing

Once a fund transfer has been initiated and processed:

• The transaction cannot be reversed by Capital Refunds
• You must work directly with the receiving party to arrange return of funds
• Capital Refunds is not responsible for retrieving funds once successfully transferred

Disputed Transactions

If you believe a transaction was processed in error or fraudulently:

1. Notify us immediately at [Contact Information]
2. File a formal dispute within 60 days of the transaction
3. Provide all relevant documentation
4. We will investigate and respond within 30 days

Exceptions and Limitations

This Refund Policy does not apply to:

• Third-party fees (bank fees, currency conversion fees, intermediary bank charges)
• Transfers to incorrect account information provided by the customer
• Delays caused by the customer's financial institution
• Transfers delayed or rejected due to regulatory or compliance holds
• Services properly rendered according to the terms agreed upon

Chargeback Policy

If you initiate a chargeback with your payment provider:

• Please contact us first to resolve the issue directly
• Chargebacks may result in account suspension pending investigation
• We reserve the right to dispute invalid chargebacks
• Your account may be charged a dispute processing fee if the chargeback is found to be invalid

Partner and Third-Party Services

Capital Refunds works with various financial institutions and payment processors. Please note:

• We cannot refund fees charged by partner institutions
• Third-party delays are outside our control
• Refund policies of partner services may differ from ours

Force Majeure

Capital Refunds is not liable for service delays or failures due to circumstances beyond our reasonable control, including but not limited to:

• Natural disasters
• Government actions or regulations
• Banking system failures
• Internet or telecommunications failures
• Acts of terrorism or war

Policy Changes

We reserve the right to modify this Refund Policy at any time. Changes will be:

• Posted on our website with the updated "Last Updated" date
• Effective immediately upon posting
• Applied to all transactions occurring after the effective date

Contact Information

For questions about this Refund Policy or to request a refund, please contact:

Your Rights

This Refund Policy does not affect your statutory rights as a consumer under applicable consumer protection laws. You may have additional rights depending on your jurisdiction.

Important Notice: Please read this policy carefully and ensure you understand our refund terms before using our services. By using Capital Refunds services, you acknowledge that you have read, understood, and agree to this Refund Policy.