Refund Policy

At Patnaar Ltd. (“Company”, “we”, “us”), we are committed to delivering reliable payroll automation, employee administration, tax deductions, benefits management, and related HR support services. This Refund Policy sets out the conditions under which refunds may be considered in respect of subscriptions and service fees paid to the Company.

By subscribing to, accessing, or using any of our services, you (“Client”, “you”) expressly acknowledge that you have read, understood, and agreed to be bound by this Refund Policy, in addition to our Terms of Use and other applicable agreements.

1. General Refund Position

• All payments made to Patnaar Ltd. are final and non-refundable, except as expressly stated in this Policy or where a refund is required by applicable law.
• Refunds are granted strictly on a limited, conditional, and discretionary basis. Nothing in this Policy shall be interpreted as creating an automatic or guaranteed right to a refund.
• Once any part of a subscribed service has commenced, been activated, configured, processed, or made available to the Client, no full refund shall be issued.

2. Commencement of Service

For the purposes of this Policy, a service shall be deemed to have commenced once any of the following occurs:

• Account creation or system access is granted;
• Payroll setup, employee onboarding, or data registration begins;
• Configuration, verification, or compliance processing is initiated;
• Any administrative, technical, or advisory action is taken in furtherance of service delivery.

Commencement of service automatically limits or extinguishes refund eligibility, except as expressly stated herein.

3. Eligible Refund Circumstances

Subject to verification and Company approval, refunds may be considered only in the following situations:

Non-Delivery of Service

Where payment has been made and the Company has failed to initiate or provide the subscribed service due to reasons solely attributable to Patnaar Ltd.

Cancellation Prior to Service Commencement

Where a Client submits a written cancellation request before any service commencement activities have taken place.

Duplicate or Erroneous Payment

Where a Client is charged more than once for the same subscription or makes an accidental overpayment.

Services Paid for but Not Initiated

Where payment is confirmed but no onboarding, setup, processing, or activation has begun.

4. Refund Amounts and Deductions (FCCPC-Aligned)

No Automatic Full Refund

Refunds are not automatic and are subject to verification, commencement status, and Company discretion. However, Patnaar Ltd. adopts a fair and transparent refund structure in line with consumer protection best practices.

Cancellation Before Service Commencement

Where a Client cancels before any service commencement, the Client may be eligible for a refund of up to 90% of the subscription fee paid.

Services Commenced but Not Substantially Rendered

Where limited processing has commenced (including account creation, data registration, or preliminary configuration), the Client may be eligible for a refund of up to 70% of the subscription fee.

Substantially Rendered or Active Subscription

Where services have been substantially rendered or a subscription period has commenced, no refund shall be due, except where required by applicable law.

Administrative and Transaction Deductions

All refunds are subject to deduction of:

• Administrative and onboarding costs;
• Compliance, verification, and operational expenses;
• Bank charges, payment gateway fees, and third-party transaction costs, which are strictly non-refundable.

The Company’s calculation of refundable amounts shall be final.

5. Refund Request Window

• All refund requests must be submitted within seven (7) calendar days of the original payment date.
• Requests made outside this timeframe shall be automatically declined, regardless of circumstance.
• Submission of a request within the permitted window does not guarantee approval.

6. Refund Request Procedure

Refund requests must be submitted in writing to the Company’s designated support or finance email and must include:

• Proof of payment;
• Subscription or account details;
• A clear and accurate explanation of the refund request.

Patnaar Ltd. reserves the right to request additional documentation or clarification before processing any request.

7. Review and Processing of Refunds

• All refund requests are reviewed exclusively by the Finance Department of Patnaar Ltd.
• Approved refunds shall be processed within five (5) business days following validation and internal approval.
• Refunds shall be issued using the original payment method unless otherwise determined by the Company.
• Patnaar Ltd. shall not be liable for delays caused by banks, payment processors, or third-party financial institutions.

8. Non-Refundable Circumstances

Refunds shall be expressly denied where:

• Services have been fully or partially rendered;
• Delays or failure arise from inaccurate, incomplete, or late information supplied by the Client;
• The Client changes requirements after service commencement;
• Government fees, statutory deductions, taxes, or third-party costs have been incurred;
• The request is based on dissatisfaction with outcomes rather than non-delivery;
• The service involves time-based access, system usage, or subscription periods already commenced.

9. Denial of Refunds for Misconduct

No refunds shall be issued in cases involving:

• Abuse or misuse of the platform or services;
• Breach of the Company’s Terms of Use or related agreements;
• False claims, misrepresentation, or misleading information;
• Fraudulent activity or attempted fraud.

Patnaar Ltd. reserves the right to suspend or terminate accounts associated with such conduct.

10. Service Cancellation

• Clients may request cancellation only before service commencement.
• Once service delivery has commenced, cancellation shall not entitle the Client to a refund.
• Cancellation does not affect outstanding payment obligations already incurred.

11. Chargebacks and Disputed Payments

• Clients are encouraged to contact Patnaar Ltd. before initiating any chargeback or payment dispute.
• The Company reserves the right to contest chargebacks and submit evidence of service delivery, system access, processing logs, and contractual acceptance.
• Unjustified chargebacks may result in account suspension, termination, and recovery actions.

12. Right of Set-Off

Patnaar Ltd. reserves the right to deduct any outstanding fees, penalties, or expenses owed by the Client from any refundable amount.

13. Policy Modification

Patnaar Ltd. reserves the right to amend, update, or replace this Refund Policy at any time. Changes shall take effect immediately upon publication or notification, and continued use of the services constitutes acceptance of the revised Policy.

14. Final Authority

Patnaar Ltd. retains sole and absolute discretion in approving or denying any refund request. All refund decisions made by the Company shall be final, conclusive, and binding, subject only to applicable law.

15. Governing Law

This Refund Policy shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.