SinFin Refund & Cancellation Policy

Different Types of Purchases

Purchases through SinFin may include:

• —SinFin's own products or professional services
• —organization merchandise
• —programmes
• —memberships
• —other approved products or services.

The applicable refund rules may therefore differ by purchase.

Before Purchase

Where relevant, buyers should be shown material information about:

• —price
• —currency
• —seller
• —product or service
• —fulfilment
• —cancellation or refund restrictions.

You should review that information before completing a purchase.

Duplicate or Incorrect Charges

If a verified technical or payment-processing error results in an unauthorized duplicate charge or incorrect transaction amount, SinFin and/or the relevant Seller will take reasonable steps to investigate and correct the transaction.

SinFin Direct Services

For services purchased directly from SinFin, refund eligibility may depend on whether delivery or professional work has already started.

Unless a separate agreement or product-specific term states otherwise:

• —a cancellation requested before substantive work has started may be eligible for a full refund;
• —once substantive work has begun, any refund may be reduced to reflect work already performed;
• —once the agreed service has been substantially delivered, a refund may not be available except where required by law or where SinFin has failed to provide the agreed service.

Blueprint

SinFin Blueprint is a professional strategic service.

Where a Blueprint purchase is made:

• —cancellation before substantive assessment, diagnosis or Blueprint work has started may be eligible for a full refund;
• —once substantive work has started, SinFin may deduct or retain an amount reasonably reflecting work already completed;
• —once the Blueprint has been substantially completed or delivered, refunds are generally not available except where required by law or where SinFin materially fails to provide the agreed service.

A separate signed engagement or order may contain additional terms.

Advisory

SinFin Advisory is normally governed by a separate proposal, engagement letter or agreement.

Refund, cancellation and termination rights for Advisory are governed by that agreement.

Physical Products

Physical merchandise sold by an organization is primarily the responsibility of the Seller.

Subject to applicable law and the product-specific policy, refund eligibility may depend on:

• —condition of the item
• —whether it has been used
• —whether it was personalized
• —the reason for return
• —whether the item is defective
• —return of the item where required.

The Seller must comply with mandatory consumer rights applicable to the sale.

Programmes

Cancellation terms for a programme may depend on:

• —whether the programme has started
• —whether capacity was reserved
• —whether services have already been provided
• —product-specific cancellation terms.

Mandatory legal rights remain unaffected.

Memberships

Membership refund or cancellation rights may depend on the membership terms shown at purchase.

Cancellation of future membership participation does not automatically create a refund for periods or benefits already provided unless required by law or stated in the relevant membership terms.

How to Request a Refund

A refund request should be made through the available order, organization or SinFin support channel.

The request should identify the relevant transaction and explain the reason for the request.

SinFin may route organization-sale requests to the appropriate Seller while retaining operational oversight where the transaction occurred through SinFin.

Refund Method

Where possible, refunds should normally be returned through the original payment method or payment-provider process.

Where this is not technically or legally possible, an alternative method may be agreed where appropriate.

Processing Time

Refund timing can depend on:

• —Seller review
• —payment provider
• —bank or card issuer
• —transaction method
• —country
• —dispute or verification requirements.

SinFin does not guarantee a specific banking settlement time that is controlled by an external provider.

Partial Refunds

SinFin Commerce may support partial refunds where appropriate.

A partial refund should be reflected in the transaction's financial history.

Inventory

A refund does not automatically mean a physical product has been returned.

Inventory should only be restocked when the Seller has appropriately confirmed the return or restock action.

Fraud or Abuse

SinFin or the Seller may investigate refund requests reasonably suspected of fraud, abuse or manipulation.

This does not remove mandatory consumer rights.

Payment Disputes

Where a buyer initiates a chargeback or payment-provider dispute, the dispute may be handled through the provider's process.

SinFin and the Seller may submit transaction or fulfilment evidence where appropriate.

Applicable Law

Where applicable law provides greater refund, cancellation or consumer rights than this Policy, those mandatory rights apply.

Contact

Refund or cancellation questions may be submitted through the applicable organization or the SinFin Contact page.