Terms and Conditions

Welcome to Capital Refunds. By accessing or using our services, you agree to be bound by these Terms and Conditions. Please read them carefully before using our platform.

1. Acceptance of Terms

2. Eligibility
2.1 Age Requirement
2.2 Legal Capacity
2.3 Prohibited Jurisdictions
3. Account Registration and Security
3.1 Account Information
3.2 Account Security

• You are responsible for maintaining the confidentiality of your account credentials

• You must notify us immediately of any unauthorized access or security breach

• You are responsible for all activities that occur under your account

• We reserve the right to suspend or terminate accounts that show suspicious activity

3.3 One Account Per User
4. Services
4.1 Service Availability
4.2 Service Modifications
5. Financial Services
5.1 Loans

• All loan applications are subject to approval based on our lending criteria

• Interest rates, terms, and conditions are specified in individual loan agreements

• You agree to repay loans according to the agreed schedule

• Late payments may result in additional fees and affect your credit standing

5.2 Refunds

• Refund processing times may vary depending on the nature of the refund

• All refund requests must be submitted through proper channels

• We reserve the right to verify refund claims before processing

• Refunds will be processed to the original payment method where possible

5.3 Banking Services

• Banking transactions are subject to verification and security checks

• Transaction limits may apply based on account type and verification level

• We reserve the right to decline or reverse transactions that appear fraudulent

5.4 Investments

• All investments carry risk, and past performance does not guarantee future results

• You are responsible for understanding the risks associated with your investments

• We do not provide financial advice unless explicitly stated

• Investment returns are not guaranteed

5.5 Savings

• Savings account terms, including interest rates, may change with notice

• Minimum balance requirements may apply

• Early withdrawal penalties may apply to certain savings products

6. Fees and Charges
6.1 Service Fees

• Transaction fees

• Service charges

• Late payment fees

• Processing fees

6.2 Fee Changes
7. User Obligations

• Use our services for any illegal or unauthorized purpose

• Violate any laws in your jurisdiction

• Provide false, inaccurate, or misleading information

• Engage in fraudulent activities or money laundering

• Attempt to gain unauthorized access to our systems

• Use automated systems or bots without permission

• Interfere with or disrupt our services

• Impersonate any person or entity

• Engage in any activity that could harm our reputation

8. Intellectual Property
8.1 Ownership
8.2 Limited License
8.3 Restrictions
9. Privacy and Data Protection
10. Verification and KYC
10.1 Identity Verification
10.2 Document Requirements
10.3 Verification Failure
11. Prohibited Activities

• Money laundering or terrorist financing

• Fraud or misrepresentation

• Unauthorized access or hacking

• Market manipulation

• Using our services to conduct illegal transactions

• Creating multiple accounts to abuse promotions

• Reverse engineering our platform

12. Termination
12.1 Termination by User
12.2 Termination by Capital Refunds

• Violation of these Terms and Conditions

• Fraudulent or illegal activity

• Providing false information

• Non-payment of fees

• Any activity that poses a risk to our platform or other users

12.3 Effect of Termination
13. Limitation of Liability
13.1 Service Provided "As Is"
13.2 No Liability for Losses

• Indirect, incidental, special, or consequential damages

• Loss of profits, data, or business opportunities

• Service interruptions or technical failures

• Unauthorized access to your account due to your negligence

• Investment losses or poor financial decisions

13.3 Maximum Liability
14. Indemnification

• Your violation of these Terms and Conditions

• Your use of our services

• Your violation of any laws or third-party rights

15. Dispute Resolution
15.1 Governing Law
15.2 Arbitration
15.3 Class Action Waiver
16. Force Majeure

• Natural disasters

• War or terrorism

• Government actions

• Internet or telecommunications failures

• Cyber attacks

17. Communications
17.1 Electronic Communications
17.2 Contact Information
18. Amendments
19. Severability
20. Entire Agreement
21. Contact Information
Email: support@capitalrefunds.net
Website: www.capitalrefunds.net

By creating an account, accessing our website, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy.

You must be at least 18 years of age to use our services. By using Capital Refunds, you represent and warrant that you meet this age requirement.

You must have the legal capacity to enter into binding contracts in your jurisdiction.

Our services may not be available in all countries or jurisdictions. You are responsible for ensuring that your use of our services complies with all applicable laws in your location.

You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate and current.

Each user may maintain only one account unless explicitly authorized by Capital Refunds.

We strive to provide uninterrupted access to our services, but we do not guarantee that our services will be available at all times. We reserve the right to modify, suspend, or discontinue any service without prior notice.

We reserve the right to modify our services, features, and fees at any time. We will provide reasonable notice of material changes.

You agree to pay all applicable fees as disclosed on our platform. Fees may include:

We reserve the right to modify our fee structure with 30 days' notice.

You agree NOT to:

All content, features, and functionality on our platform are owned by Capital Refunds and are protected by intellectual property laws.

We grant you a limited, non-exclusive, non-transferable license to access and use our services for personal or business purposes.

You may not copy, modify, distribute, sell, or lease any part of our services without explicit written permission.

Your use of our services is also governed by our Privacy Policy. We collect, use, and protect your personal information in accordance with applicable data protection laws.

We may require you to complete identity verification (KYC - Know Your Customer) procedures to comply with regulatory requirements.

You may be asked to provide government-issued identification, proof of address, and other documents.

Failure to complete verification may result in limited account functionality or account suspension.

The following activities are strictly prohibited:

You may close your account at any time by contacting customer support, subject to settling all outstanding obligations.

We reserve the right to suspend or terminate your account at any time for:

Upon termination, you must cease all use of our services. Outstanding obligations survive termination.

Our services are provided on an "as is" and "as available" basis without warranties of any kind.

To the maximum extent permitted by law, Capital Refunds shall not be liable for:

Our total liability to you for any claim shall not exceed the amount of fees you paid to us in the 12 months preceding the claim.

You agree to indemnify and hold harmless Capital Refunds, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from:

These Terms and Conditions are governed by the laws of [Your Jurisdiction], without regard to conflict of law provisions.

Any disputes arising from these terms shall first be attempted to be resolved through good faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration.

You agree to resolve disputes individually and waive the right to participate in class action lawsuits.

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to:

By using our services, you consent to receive electronic communications from us, including emails, notifications, and messages through our platform.

You agree to maintain current contact information and notify us of any changes.

We reserve the right to modify these Terms and Conditions at any time. Material changes will be communicated via email or platform notification. Your continued use of our services after such changes constitutes acceptance of the modified terms.

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Capital Refunds regarding the use of our services.

If you have any questions about these Terms and Conditions, please contact us:

Capital Refunds

By creating an account or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.