Refund Policy

At CyborPay ("we," "us," or "our"), accessible at https://www.cyborpay.com, we strive to ensure your satisfaction with our payment processing and financial services ("Services"). This Refund Policy outlines the conditions under which refunds may be requested and processed. It complies with EU consumer protection laws where applicable. Please read this policy carefully before using our Services.

1. General Refund Eligibility
Refunds may be available depending on the nature of the transaction and your status as a consumer or business user:

Consumers: If you are an individual using our Services for personal purposes (not for trade or profession), you may have specific rights under EU law, such as the 14-day withdrawal period for distance contracts (see Section 2).
Business Users: If you use our Services for professional purposes, refunds are subject to the terms of your agreement with us and this policy.
We process refunds only for payments made directly to CyborPay. Transactions facilitated through third-party providers (e.g., banks, payment gateways) are subject to their refund policies.

2. EU Consumer Right of Withdrawal
If you are a consumer under EU law:

You have the right to withdraw from certain Services within 14 days of entering into the agreement, without giving a reason, as per the EU Consumer Rights Directive.
Exceptions: This right does not apply to:
Services fully performed before the 14-day period ends, if you expressly consented to immediate execution and acknowledged the loss of withdrawal rights.
Financial transactions (e.g., processed payments) that are completed instantly, as these are exempt under EU law.
To exercise this right, notify us in writing at support@cyborpay.com before the 14-day period expires, using a clear statement (e.g., “I hereby withdraw from my contract with CyborPay dated [insert date]”).
3. Refund Requests for Service Issues
We may issue refunds in the following cases:

Service Failure: If our Services fail to function as described (e.g., a payment is not processed due to a technical error on our end).
Overcharges: If you are incorrectly charged more than the agreed fee.
Unauthorized Transactions: If a payment is processed without your authorization, subject to verification.
Refunds are not available for:

Transactions completed successfully as intended.
Issues caused by third parties (e.g., banks, merchants) outside our control.
Changes of mind, unless covered by the withdrawal right above.
4. How to Request a Refund
To request a refund:

Submit a Request: Email us at support@cyborpay.com with:
Your full name and account details.
Transaction ID or reference number.
A brief explanation of your request.
Deadline: Requests must be submitted within 30 days of the transaction or issue, unless EU law provides a longer period (e.g., withdrawal rights).
Review Process: We will review your request and respond within 14 days. If approved, refunds will be processed to your original payment method within 14 days of approval, in line with EU regulations.
5. Refund Processing
Method: Refunds will be issued to the payment method used for the original transaction, unless otherwise agreed.
Timing: Processing times may vary depending on your bank or payment provider, but we will initiate refunds promptly upon approval.
Fees: Non-refundable fees (e.g., third-party processing costs) will be deducted from the refund amount, where applicable and permitted by law.
6. Disputes and Complaints
If you are dissatisfied with our refund decision:

Contact us at support@cyborpay.com to discuss your concern.
As an EU consumer, you may also use the EU Online Dispute Resolution platform at ec.europa.eu/odr or contact your local consumer protection authority.
7. Changes to This Refund Policy
We may update this Refund Policy to reflect changes in our practices or legal requirements. Updates will be posted here with a revised effective date. Significant changes will be communicated via email or on our Website.

8. Contact Us
For refund requests or questions about this policy, please reach out to:

Email: support@cyborpay.com
Address: CyborPay, ul. Płatnicza 123, 00-001 Warsaw, Poland
Thank you for choosing CyborPay. We are committed to providing fair and transparent refund processes.