Refund Policy

At QONSULTAURA LLC, we stand behind our work. We also understand that situations change. This policy explains when refunds are available, how to request one, and what to expect. It's written in plain language so there are no surprises.

Our General Approach

We sell digital consulting services, technology setup, and infrastructure packages — not physical products. Once work has been delivered or a setup has been completed, it generally can't be "returned." Because of this, our refund policy is structured around whether we've delivered what we promised, rather than a blanket right to change your mind.

In short:

• If we don't deliver what we agreed to, you're entitled to your money back.
• If we do deliver what we agreed to, the sale is final — but we'll always work with you to resolve any issues.

Services Covered by This Policy

This policy applies to all Services offered by QONSULTAURA LLC, including:

• Full infrastructure packages — LLC setup, processor accounts, bank accounts, compliance SOPs, and backend systems.
• Individual setup services — single processor setup, backend system only, compliance documentation only, and similar à la carte offerings.
• Recurring or percentage-based processing arrangements — where we provide ongoing infrastructure access in exchange for a percentage of volume.
• Custom consulting engagements — any bespoke work agreed upon in writing.

When Refunds Are Available

You are entitled to a full or partial refund in the following situations:

1. We Fail to Deliver

If we agree in writing to deliver specific work by a specific timeframe, and we fail to do so without a valid reason (and without communicating a revised timeline that you accept), you may request a refund. This includes:

• We don't complete the setup within the agreed timeframe and you choose not to wait.
• We deliver something materially different from what was agreed upon in writing.
• We become unresponsive for more than 5 business days during an active project without prior notice.

In these cases, we'll refund the amount paid for the undelivered portion of the work. If nothing was delivered at all, you're entitled to a full refund.

2. The Deliverable Is Fundamentally Defective

If what we deliver doesn't work as described — and we're unable to fix it within a reasonable time after you report the issue — you may be entitled to a partial or full refund. "Doesn't work" means the setup fails to perform its core function (for example, a backend system that cannot process notifications at all), not that a third-party processor later decided to close an account for reasons unrelated to our setup.

3. Duplicate Charges or Billing Errors

If you're charged twice for the same service, or charged an incorrect amount, contact us immediately. We'll verify and issue a full refund for the overcharged amount within 5 business days.

When Refunds Are Not Available

Refunds are generally not available in these situations:

• Change of mind. You decided you no longer want the service after work has begun or been delivered.
• You provided incorrect information. If the setup fails or is delayed because you gave us inaccurate, incomplete, or outdated information, we are not responsible and refunds do not apply.
• Third-party account closures. If a payment processor, bank, or platform suspends, restricts, or terminates an account we set up — for any reason — this is outside our control and is not grounds for a refund.
• You violated terms. If an account is closed because you violated a processor's terms of service, engaged in prohibited activities, or exceeded acceptable chargeback thresholds, no refund applies.
• Partial dissatisfaction. You're generally happy with the work but feel it could have been slightly better. We'll always work with you to improve things — but subjective dissatisfaction isn't grounds for a refund if we delivered what was agreed.
• Delay caused by you. If we're waiting on information, documents, or approvals from you and the project is delayed as a result.

Recurring and Percentage-Based Arrangements

For ongoing arrangements where we provide infrastructure access in exchange for a percentage of processing volume, or where you pay a recurring maintenance fee:

• Fees are earned when charged and are non-refundable.
• You may cancel the arrangement at any time with written notice. Cancellation takes effect at the end of the current billing cycle.
• No refunds are issued for past charges, including for the current cycle if you cancel mid-cycle.

Partial Refunds

In some cases, we may offer a partial refund — for example, if a portion of the work was completed successfully and a portion wasn't. Partial refunds are assessed on a case-by-case basis and reflect the value of what was actually delivered versus what was paid for.

How to Request a Refund

All refund requests must be submitted in writing. Here's how:

• Email us at mohammed@qonsultaura.com
• Use the subject line: "Refund Request – [Your Name/Company]"
• Include your order or invoice reference, the service you purchased, and a clear explanation of why you're requesting a refund

We'll acknowledge your request within 2 business days and provide a substantive response (approval, denial, or a request for more information) within 5 business days.

Please don't file a chargeback or payment dispute before contacting us. Most issues can be resolved directly, and it's almost always faster for everyone. If you file a dispute without contacting us first, and we have evidence that the service was delivered as agreed, we reserve the right to contest the dispute with that evidence.

How Refunds Are Issued

Approved refunds are processed within 5 to 10 business days of approval. Refunds are always returned to the same payment method used for the original purchase. We cannot refund to a different card, account, wallet, or payment method.

Once issued, it may take additional time for your bank, card provider, or wallet to post the funds — this depends on their processing times and is outside our control.

Chargebacks and Disputes

If you have a concern about a charge, please contact us first at mohammed@qonsultaura.com before filing a chargeback or dispute with your bank, card issuer, or payment provider. Most concerns — billing errors, delayed delivery, misunderstood scope — can be resolved directly and quickly.

Where we hold evidence that:

• A service was ordered and authorized by you,
• The service was delivered as agreed, or
• A refund or resolution was already offered and declined,

…we reserve the right to respond to the dispute with that evidence and contest the chargeback. Nothing in this section limits any rights you may have under applicable consumer protection law or your payment provider's rules.

Changes to This Policy

We may update this Refund Policy from time to time. When we do, we'll update the date at the top of the page. The policy that applies to your purchase is the one in effect at the time of your purchase. For ongoing arrangements, the policy in effect at the time a charge is incurred applies.

Contact Us

If you have questions about this policy or want to discuss a refund, reach out: