Effective Date: November 1, 2025
This Refund, Cancellation, and Financial Exclusion Policy ("Policy") governs refunds, chargebacks and related monetary adjustments for all subscription fees, one-time service fees and digital deliverables procured from Expert Trade (the "Company"). The Company provides time-sensitive digital services and licensed data products (e.g., verified lead files, website builds, marketing campaigns). Because these deliverables involve irrevocable data provisioning and resource allocation, refund rights are strictly circumscribed as described below.
Company services are digital and intangible (software, lead databases, data licenses, creative work, consultancy hours). These deliverables are provided electronically and/or via reserved operational capacity and are therefore treated as non-reversible once provisioned. This policy does not apply to merchandise, physical goods, logistics or any third-party product not sold directly by the Company.
Important: Expert Trade is solely a digital B2B services provider. We do NOT buy, sell, or facilitate the physical shipment of goods. All subscriptions and fees relate to digital services: lead sourcing, website creation, digital marketing, market intelligence and advisory.
A Client may submit a formal Refund Request within fifteen (15) calendar days from the date of initial payment (the "Eligibility Window"). Requests submitted after the Eligibility Window are ineligible for refund review, and will be treated as the Client's unconditional acceptance of services.
All Refund Requests must be submitted in writing to support@thexpertrade.cloud and must include verifiable evidence demonstrating the Company's material failure to deliver the contracted service. Acceptable evidence includes authenticated system logs, timestamps of failed provisioning, signed correspondences evidencing non-performance, or other contemporaneous documentary proof. Mere dissatisfaction, change of business strategy or non-use of the service does not constitute grounds for a refund.
All requests are subject to Company review and third-party compliance screening (including AML/KYC, RBI/FEMA review where applicable). The Company reserves the right to withhold payment reversals or refunds where (a) a transaction is flagged for suspected fraud, (b) source of funds cannot be validated, or (c) a bank/payment partner requests additional documentation. Where investigation is required, processing timelines may be extended.
If a payment is the subject of a chargeback, reversal or dispute initiated by the Client's card issuer or payment provider, the Client agrees to cooperate fully with the Company and the Company’s acquirers and banking partners in defending against such claims. The Company will offset any validated losses, processing fees or chargeback costs against any refundable amount.
Where a refund is approved within the Eligibility Window, the refundable amount will be computed on a strict pro-rata basis minus (i) the value of any digital assets already provisioned and delivered, (ii) non-refundable setup and resource allocation fees, and (iii) processing & operational deductions described below.
The Company imposes a mandatory minimum deduction equal to 20% of the subscription fee to cover initial resource allocation, onboarding and administrative overheads. Additional deductions will include the direct cost of any third-party goods or services purchased on the Client’s behalf and any non-reversible license fees.
Refunds are processed to the original payment instrument in the same currency in which payment was received. The Client bears all charges levied by banks, gateways or acquirers (including FX conversion losses). The Company will not be liable for exchange rate fluctuations, intermediary bank charges, or regulatory tax withholdings.
The Company will acknowledge receipt of a Refund Request within five (5) business days. A substantive determination (approve/deny) normally occurs within thirty (30) business days of the request, subject to any additional compliance or banking investigations.
If approved, refunds will be initiated to the original payment source and typically settle within forty-five (45) business days from approval. The actual time to appear in the Client's account depends on the Client's bank and the payment network.
The Company will not refund, and expressly disclaims liability for: (a) third-party platform fees, hosting, ad spends, or vendor costs; (b) bank or intermediary charges, SWIFT fees, or currency conversion losses; (c) commercial losses allegedly incurred by the Client in the course of their independent trading/export activities; or (d) any fees paid to payment providers for chargeback representation.
The Company is not liable for delays or failures caused by events beyond our reasonable control (e.g., natural disaster, governmental action, network outages, banking partner suspension). Such events may extend refund timelines.
Any dispute arising from this Policy will be governed by the laws of the jurisdiction in which Expert Trade is incorporated and will be resolved through the dispute resolution mechanism described in the Client Service Agreement (which may include mediation followed by arbitration). Where a payment provider or bank imposes contractual remedies or freezes, the Company will comply with such directives pending final resolution.
The Company may be required by its acquiring banks, payment gateways or regulatory bodies to retain funds, provide additional KYC/AML documentation, or deny a refund where warranted by fraud detection, regulatory review, or breach of the Service Agreement. In such circumstances, the Company will provide the Client with a written explanation and the applicable remedial steps.
To request a refund, email support@thexpertrade.cloudwith the subject line: “Refund Request — [Invoice/Subscription ID]” and include: (a) invoice/transaction ID; (b) detailed narrative of the alleged non-performance; (c) all supporting evidence; and (d) the preferred refund routing details. Failure to provide complete documentation may delay or preclude review.
The Company reserves the right to modify this Policy from time to time. If any provision is found invalid or unenforceable, the remainder will continue in full force. Effective Date: November 1, 2025.