Refund Policy

1. Introduction

At Kyo Finance Shop, we are committed to ensuring customer satisfaction with every purchase. This Refund Policy outlines the terms and conditions under which refunds, returns, and exchanges are processed for products and services purchased through our website at https://kyo-finance.com.

This policy applies to all customers of Kyo Finance Shop, registered in France with company registration number 02941968, located at 21 Lempi Break, South Gregory, NT 2976, France.

By making a purchase on our platform, you acknowledge and agree to the terms set forth in this Refund Policy. We encourage you to read this policy carefully before completing your purchase.

2. Our Commitment to Customer Satisfaction

We stand behind the quality of our products and services. If you are not completely satisfied with your purchase, we are here to help. Our goal is to resolve any issues quickly and fairly while maintaining the integrity of our business operations.

We process refund requests on a case-by-case basis, taking into account the nature of the product, the reason for the refund request, and applicable consumer protection laws.

3. Eligibility for Refunds

3.1 General Eligibility Criteria

To be eligible for a refund, the following conditions must typically be met:

• The refund request is submitted within the specified timeframe for the product type
• You provide proof of purchase (order confirmation, receipt, or transaction ID)
• The product has not been used or accessed beyond reasonable evaluation
• The reason for refund falls within our acceptable criteria
• You have complied with all terms and conditions applicable to the purchase

3.2 Digital Products and Services

For digital products, including software, digital downloads, online courses, subscriptions, and digital content:

• Refund requests must be submitted within 14 days of purchase
• The product must not have been downloaded, accessed, or used beyond initial preview or evaluation
• Technical issues preventing product use may qualify for refund if we cannot resolve the issue
• Once a digital product has been fully accessed or downloaded, it is generally not eligible for refund unless defective

Important: Due to the nature of digital products, refunds cannot be granted after the product has been substantially used or its content has been accessed in full.

3.3 Physical Products

For physical products (if applicable):

• Products must be returned within 30 days of delivery
• Items must be unused, in original condition, and in original packaging
• All accessories, manuals, and components must be included
• Proof of purchase must be provided
• Products showing signs of wear, damage, or alteration may not be eligible for full refund

3.4 Subscription Services

For subscription-based services:

• You may cancel your subscription at any time through your account settings
• Refunds for current billing periods are evaluated on a case-by-case basis
• Unused portions of subscription periods may be eligible for pro-rated refunds at our discretion
• No refunds are provided for previously billed subscription periods
• Cancelled subscriptions remain active until the end of the current billing period

4. Non-Refundable Items and Services

The following items and circumstances are generally not eligible for refunds:

• Digital Products After Access: Digital products that have been downloaded, accessed, or used beyond initial evaluation
• Customized or Personalized Products: Items specifically created or customized for you
• Sale Items: Products purchased during promotional sales or with special discounts (unless defective)
• Gift Cards: Gift cards and promotional credits
• Services Rendered: Services that have been substantially performed or delivered
• Third-Party Products: Products or services provided by third parties where refund policies are controlled by the third party
• Change of Mind: Simple change of mind after full product access or use
• Fraudulent Purchases: Purchases made fraudulently or in violation of our Terms and Conditions

Exceptions may be made at our sole discretion based on extenuating circumstances or legal requirements.

5. Refund Request Process

5.1 How to Request a Refund

To request a refund, please follow these steps:

1. Contact Customer Support: Reach out to our customer support team at +9774485559085 or through our contact form within the applicable refund period
2. Provide Order Details: Include your order number, purchase date, and product information
3. Explain the Reason: Clearly describe why you are requesting a refund
4. Submit Supporting Documentation: Provide any relevant evidence such as screenshots, error messages, or photos (for physical products)
5. Await Review: Our team will review your request within 2-5 business days

5.2 Required Information

When submitting a refund request, please provide:

• Full name and contact information
• Order number or transaction ID
• Email address associated with the purchase
• Product name and purchase date
• Detailed explanation of the refund request
• Supporting documentation (if applicable)

5.3 Review Process

Once we receive your refund request:

• We will acknowledge receipt within 24-48 hours
• Our team will review the request based on this policy and applicable laws
• We may contact you for additional information or clarification
• You will receive a decision within 5-7 business days
• If approved, refund processing will begin immediately

6. Refund Methods and Timeframes

6.1 Refund Methods

Approved refunds will be processed using the original payment method whenever possible:

• Credit/Debit Cards: Refunds return to the original card used for purchase
• PayPal: Refunds return to the PayPal account used for payment
• Bank Transfer: Refunds may be issued via bank transfer for certain payment methods
• Store Credit: In some cases, we may offer store credit as an alternative to monetary refund

6.2 Processing Timeframes

Refund processing times vary depending on the payment method:

• Credit/Debit Cards: 5-10 business days after approval (may take longer depending on your bank)
• PayPal: 3-5 business days after approval
• Bank Transfer: 7-14 business days after approval
• Store Credit: Applied immediately to your account

Note: Processing timeframes begin after we approve your refund request. Additional time may be required by your financial institution to post the refund to your account.

6.3 Partial Refunds

In certain circumstances, we may issue partial refunds:

• Products returned with missing components or accessories
• Products showing signs of use beyond reasonable evaluation
• Damaged products not reported within the specified timeframe
• Pro-rated refunds for subscription cancellations
• Administrative fees or restocking charges (where applicable)

7. Returns Process (Physical Products)

7.1 Return Authorization

Before returning any physical product:

• Contact customer support to obtain a Return Authorization Number (RAN)
• Do not return products without prior authorization
• Unauthorized returns may be refused or delayed

7.2 Return Shipping

Return shipping responsibilities depend on the reason for return:

• Defective Products: We provide prepaid return labels at no cost to you
• Change of Mind: You are responsible for return shipping costs
• Wrong Item Sent: We provide prepaid return labels and expedited replacement

We recommend using trackable shipping methods and purchasing shipping insurance for valuable items. We are not responsible for items lost or damaged during return shipping unless we provided the shipping label.

7.3 Return Address

Returns should be sent to the address provided in your Return Authorization confirmation. Do not send returns to our general business address without prior authorization.

7.4 Inspection and Processing

Once we receive your returned item:

• We will inspect it to verify condition and completeness
• You will receive email notification when the return is received
• Refund approval or denial will be communicated within 3-5 business days
• Approved refunds will be processed according to the timeframes outlined above

8. Defective or Damaged Products

8.1 Reporting Issues

If you receive a defective or damaged product:

• Contact us immediately upon discovery (preferably within 48 hours of delivery)
• Provide photos or videos clearly showing the defect or damage
• Retain all packaging and materials
• Do not continue using a product you believe to be defective

8.2 Resolution Options

For defective or damaged products, we offer:

• Replacement: We will send a replacement product at no additional cost
• Repair: We may arrange for repair if appropriate
• Full Refund: You may receive a complete refund including original shipping costs

The resolution option depends on product availability, the nature of the defect, and your preference.

8.3 Warranty Coverage

Certain products may be covered by manufacturer warranties. In such cases:

• We will facilitate warranty claims on your behalf when possible
• Manufacturer warranty terms may differ from our refund policy
• You may need to work directly with the manufacturer for warranty service
• Warranty information is provided with applicable products at time of purchase

9. Exceptions and Special Circumstances

9.1 Technical Issues

If technical problems prevent you from accessing or using a digital product:

• Contact our technical support team immediately
• Provide detailed information about the issue, including error messages and system details
• We will work diligently to resolve technical issues
• Refunds may be granted if we cannot resolve the issue within a reasonable timeframe

9.2 Billing Errors

If you believe you were charged incorrectly:

• Contact us within 30 days of the charge
• Provide documentation of the billing error
• We will investigate and correct any confirmed billing mistakes
• Refunds for billing errors are processed immediately upon verification

9.3 Fraudulent Transactions

If you suspect fraudulent activity on your account:

• Contact us immediately
• Change your account password
• Contact your financial institution
• We will investigate and assist in resolving fraudulent charges

9.4 Force Majeure

In cases of force majeure (natural disasters, pandemic, government actions, etc.) that prevent product delivery or service provision, we will work with affected customers to:

• Reschedule delivery or service
• Provide alternative solutions
• Issue refunds if no alternative is acceptable

10. Chargebacks and Disputes

10.1 Contact Us First

Before initiating a chargeback with your financial institution, please contact us to resolve the issue. Most concerns can be addressed quickly through direct communication, and chargebacks can have negative consequences for both parties.

10.2 Chargeback Policy

If you initiate a chargeback:

• We will provide evidence to your financial institution supporting the legitimacy of the charge
• Your account may be suspended pending resolution
• Successful chargebacks may result in permanent account termination
• You may be liable for chargeback fees and administrative costs

10.3 Dispute Resolution

We are committed to fair dispute resolution. If you disagree with a refund decision:

• Request review by a senior customer service representative
• Provide additional information supporting your position
• We will reconsider the decision in light of new information
• Final decisions will be communicated in writing

11. Consumer Rights

11.1 European Union Consumer Rights

For customers located in the European Union, you have the right to withdraw from purchases of goods within 14 days of receipt without providing a reason, in accordance with the EU Consumer Rights Directive. This right does not apply to:

• Digital content that has been accessed or downloaded
• Customized or personalized products
• Sealed products that have been unsealed
• Products that deteriorate quickly

11.2 Other Jurisdictions

Consumer protection laws vary by jurisdiction. Customers in other locations may have additional rights under local laws. This refund policy does not limit any statutory rights you may have under applicable consumer protection legislation.

11.3 Conflict with Local Laws

If any provision of this Refund Policy conflicts with mandatory consumer protection laws in your jurisdiction, the applicable law will prevail to the extent of the conflict.

12. Refund Policy Updates

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified policy.

Material changes to this policy will be communicated through:

• Email notification to registered users
• Prominent notice on our website
• Updated "Last Modified" date at the top of this policy

We encourage you to review this policy periodically to stay informed about our refund practices.

13. Contact Information

For refund requests, questions about this policy, or customer service assistance, please contact us:

We are committed to responding to all refund inquiries within 24-48 hours during business days. Our customer service team will work diligently to resolve your concerns and ensure your satisfaction.

14. Final Notes

This Refund Policy is part of our Terms and Conditions and should be read in conjunction with our Privacy Policy. By making a purchase on our platform, you acknowledge that you have read, understood, and agree to this Refund Policy.

We value your business and strive to provide high-quality products and exceptional customer service. If you have any concerns about your purchase, please don't hesitate to reach out. Our goal is to ensure every customer is satisfied with their Kyo Finance Shop experience.