Refund Policy

1. Overview

At IKSectors Ltd., we are committed to delivering high-quality digital services and ensuring client satisfaction. However, due to the nature of custom digital work, our refund policy is designed to be fair to both parties while protecting the value of work already completed.

This policy applies to all services provided by IKSectors Ltd., including but not limited to web development, mobile app development, AI automation, cloud services, and consulting.

2. Refund Eligibility

2.1 Services Not Yet Commenced

Full refunds are available for services that have not yet commenced, subject to:

• Written cancellation request received before project kickoff
• No preliminary work (research, planning, design concepts) has been initiated
• Refund will be processed within 14 business days

2.2 Services In Progress

For projects that have already commenced, refunds are calculated as follows:

• Less than 25% complete: 50% refund of remaining balance (after deducting work completed)
• 25-50% complete: 25% refund of remaining balance
• More than 50% complete: No refund available; project completion is encouraged

Project completion percentage is determined by milestones outlined in the project agreement.

2.3 Services Fully Delivered

Once services have been fully delivered and accepted (explicitly or through non-objection within the review period specified in your agreement), no refunds are available. However, we remain committed to addressing any legitimate concerns through our revision and support processes.

3. Non-Refundable Items

The following are non-refundable under any circumstances:

• Consultation fees: Fees for discovery calls, consultations, and advisory sessions
• Third-party costs: Domain registrations, hosting fees, software licenses, API subscriptions, and other third-party services purchased on your behalf
• Rush fees: Additional charges for expedited delivery
• Customization work: Bespoke design or development work that cannot be reused
• Research and planning: Market research, technical feasibility studies, and strategic planning
• Administrative fees: A 10% administrative fee may apply to all refunds to cover processing costs

4. Requesting a Refund

To request a refund, please follow these steps:

1. Submit a written request: Send an email to payments@iksectors.co.uk with the subject line "Refund Request - [Project Code]"
2. Include required information:
   • Your full name and company name (if applicable)
   • Project code or invoice number
   • Date of payment(s)
   • Reason for refund request
   • Supporting documentation (if applicable)
3. Wait for assessment: Our team will review your request within 5 business days
4. Receive decision: You will be notified of the outcome via email

Refund requests must be submitted within 14 days of the triggering event (e.g., project cancellation, delivery completion).

5. Refund Processing

5.1 Processing Time

Approved refunds are processed within:

• Credit/Debit Card: 5-10 business days
• Bank Transfer: 10-14 business days
• PayPal: 3-5 business days

Processing times may vary depending on your financial institution.

5.2 Refund Method

Refunds will be issued using the same payment method used for the original transaction. If the original payment method is no longer available, we will work with you to arrange an alternative.

5.3 Currency

Refunds are issued in the original payment currency. Exchange rate fluctuations between the payment date and refund date are the responsibility of the client.

6. Cancellation by IKSectors

In rare circumstances, IKSectors may cancel a project due to:

• Client's repeated failure to provide required information or feedback
• Client's breach of our Terms of Use
• Discovery of fraudulent activity
• Force majeure events making completion impossible

In such cases, refunds will be calculated fairly based on work completed, with the client receiving credit for any prepaid services not yet rendered.

7. Chargebacks and Disputes

We encourage clients to contact us directly to resolve any payment disputes before initiating a chargeback with their payment provider. Initiating a chargeback without first attempting resolution with us may result in:

• Suspension of ongoing services
• Termination of the client relationship
• Collection action for completed work
• Additional administrative fees

We reserve the right to dispute any chargeback we believe to be illegitimate.

8. Quality Guarantee

While we do not offer a blanket money-back guarantee due to the custom nature of our work, we are committed to your satisfaction. If you are not satisfied with the deliverables:

• We offer reasonable revisions as specified in your project agreement
• We will work with you to understand and address your concerns
• We will make good-faith efforts to deliver work that meets the agreed specifications

Dissatisfaction with subjective elements (such as personal taste in design choices not specified in the agreement) does not qualify for a refund.

9. Subscription and Recurring Services

For subscription-based or recurring services:

• You may cancel at any time with 30 days' written notice
• Refunds are not provided for partial months of service
• Annual subscriptions paid in advance may be refunded on a pro-rata basis for remaining full months, minus a 15% early termination fee
• Cancellation does not affect any outstanding invoices for services already rendered

10. Affiliate Commission Refunds

When a client payment is refunded:

• Any affiliate commissions associated with that payment will be reversed
• If the commission has already been paid out, it will be deducted from the affiliate's balance
• If the affiliate has insufficient balance, the amount will become a negative balance against future earnings

11. Exceptions

Exceptions to this policy may be made at the sole discretion of IKSectors management for:

• Documented cases of service failure on our part
• Extraordinary circumstances beyond the client's control
• Long-standing clients with excellent payment history

All exceptions must be approved in writing by IKSectors management.

12. Policy Updates

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website. The terms in effect at the time of your purchase will govern any refund request for that purchase.