Refund Policy

This Refund Policy (the "Policy") describes the procedure, conditions and timeframes for the return of funds paid by a Customer ("you") to GOLDJAXE (the "Contractor", "we") for consulting, analytical and educational services ordered through the website goldjaxe.com (the "Website").

By making a payment for the Services you confirm that you have read, understood and accept this Policy.

This Policy applies exclusively to payments made through the Website. It does not extend to services or products of third parties, affiliated persons or other domains.

We aim to resolve every refund request fairly and in good faith. Your right to a refund depends on the type of Services and the extent to which they have been rendered or consumed at the moment of the request:

• Services not yet commenced — if work on your engagement has not started, you are entitled to a full refund of the amount paid;
• Digital and educational content (online courses, lessons, materials) — you may request a full refund within 14 (fourteen) calendar days of the date of purchase, provided that you have consumed no more than 10% of the content (measured by completed lessons or modules);
• Consulting and project services rendered in stages — you may request a refund for the portion of the Services not yet rendered; the cost of the portion already rendered, accepted or in progress is non-refundable and is calculated on a pro-rata basis;
• Retainer and subscription models — you may cancel future billing periods at any time; the current paid period is rendered in full and is non-refundable unless agreed otherwise in the Individual Statement of Work.

A refund is granted where the following conditions are met, taken together:

• the request is submitted within the timeframe set out in Section 2 for the relevant type of Services;
• the request is made by the person who made the payment, from the contact details used at the time of purchase;
• the Services have not been fully rendered, fully consumed or accepted by the Customer;
• the request does not constitute an abuse of the right to a refund (systematic ordering and refunding of the same Services after their actual use).

Where a refund is granted for Services rendered in part, we deduct the documented cost of the portion of the Services already rendered and any non-recoverable third-party fees incurred for your engagement.

A refund is not granted in the following cases:

• the Services have been fully rendered and accepted by the Customer (including a signed act, written confirmation or absence of motivated objections within the agreed period);
• digital or educational content has been consumed by more than 10% (completed lessons or modules);
• the request is submitted after the expiry of the timeframe set out in Section 2;
• individually tailored deliverables prepared specifically for the Customer (bespoke reports, roadmaps, audits) have been transferred to the Customer;
• the refund is requested in connection with circumstances beyond the Contractor's control (force majeure, the Customer's change of mind after full performance).

To request a refund, send a written request to legal@goldjaxe.com from the email address used at the time of purchase, stating: your name; the date and amount of payment; the Services concerned; and the reason for the request.

We review the request and respond within 10 (ten) business days of its receipt. We may ask you for additional information reasonably necessary to verify the payment and process the refund.

If the request is approved, the refund is processed to the original payment method used for the purchase. We do not refund to a different card, account or payment system other than the one used for payment.

Once a refund is approved, we initiate the return of funds within 5 (five) business days. The funds are returned to the original payment method.

The time taken for the funds to appear on your statement depends on your bank or payment provider and is usually up to 14 (fourteen) calendar days from the date we initiate the refund. We are not responsible for delays attributable to the Customer's bank or payment provider.

Refunds are made in the currency of the original payment. Any difference arising from currency conversion or exchange-rate movements between the dates of payment and refund is borne by the Customer.

The Parties seek to resolve any disagreement regarding refunds through negotiation. A written claim is reviewed within 15 (fifteen) business days of receipt.

The final governing law and dispute-resolution forum for a particular engagement are fixed in the Individual Statement of Work. Where not otherwise agreed, the Parties intend to apply the substantive law of the United Arab Emirates, including the UAE Federal Civil Code and the UAE Consumer Protection Law No. 15 of 2020.

Contacts of the Contractor:

• Brand: GOLDJAXE;
• Email for refund and contractual matters: legal@goldjaxe.com;
• Website: goldjaxe.com.

The registration details of the contracting legal entity are provided to the Customer in the Individual Statement of Work for the particular engagement and upon written request sent to legal@goldjaxe.com.