Refund Policy

1. Scope and Application

This Refund Policy applies to all paid subscriptions on the NamQritique Platform, including:

• Consumer Premium subscriptions (NAD 100/month).
• Business Subscription Plans: Bronze (NAD 2,250/month), Silver (NAD 3,000/month), and Gold (NAD 3,750/month).

This policy does not apply to free Consumer accounts, which involve no payment.

2. No-Refund Rule — Completed Billing Periods

Refunds will not be issued for:

• Subscription fees for any billing period already commenced or completed, regardless of whether the full period was utilised.
• Partial use of a billing period — including cancellation mid-month.
• Dissatisfaction with review content posted by third-party consumers, which NamQritique does not author or control.
• Voluntary downgrade or cancellation of a subscription plan.
• Failure to utilise available advertising slots, analytics features, or other plan benefits during a billing period.
• Account suspension or termination arising from breach of the Terms of Service or Content Policy.

When you cancel a subscription, your access and features remain active until the end of the current paid billing period, after which no further charges will be made. No prorated refund is issued for the unused portion.

3. Exceptional Circumstances — Refund Eligibility

Notwithstanding the no-refund rule in Section 2, NamQritique may, at its sole and absolute discretion, consider a refund request in the following strictly limited circumstances:

4. How to Submit a Refund Request

All refund requests must be submitted in writing within 7 calendar days of the transaction date. Requests submitted outside this window will not be considered except at NamQritique's sole discretion in extraordinary circumstances.

Requests must be sent to namqritique@gmail.com and must include:

• Full name and registered account email address.
• Transaction date and amount.
• Payment method and, where available, transaction reference number.
• The specific ground for the refund request (as listed in Section 3).
• Supporting evidence — e.g., bank statements, screenshots, or payment confirmation emails demonstrating the error or outage.

Incomplete requests or requests lacking supporting documentation will not be processed and will be returned for resubmission within the 7-day window.

5. Review and Approval Process

All refund requests are reviewed by NamQritique management. We aim to acknowledge receipt within 3 Business Days and to provide a decision within 10 Business Days of receipt of a complete request.

NamQritique reserves the right to:

• Request additional documentation or information to support the claim.
• Reject any request that does not meet the criteria in Section 3.
• Offer a partial refund or account credit in lieu of a full cash refund, at our discretion.

Our decision on any refund request is final. NamQritique is under no obligation to provide a refund beyond what is expressly stated in this Policy or required by Applicable Law.

6. Processing of Approved Refunds

Where a refund is approved, it will be processed to the original payment method used for the transaction. NamQritique will not issue refunds via alternative payment methods or in cash.

Processing times depend on your payment provider and may take between 5 and 15 Business Days from the date of approval to reflect in your account. NamQritique is not liable for delays caused by banks or payment processors.

Any applicable processing fees charged by third-party payment providers in connection with the original transaction may be deducted from the refund amount.

7. Chargebacks and Payment Disputes

If you initiate a chargeback or payment dispute with your bank or card issuer without first following the refund request process in Section 4, NamQritique reserves the right to:

• Immediately suspend or terminate your account pending resolution.
• Contest the chargeback and provide evidence of services rendered.
• Recover any associated chargeback fees from you.

We encourage you to contact us directly at namqritique@gmail.com before raising a chargeback. Most billing issues can be resolved promptly through our internal process.

8. Subscription Cancellation

You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period. You will not be charged for the following period after cancellation is confirmed.

Cancellation does not entitle you to a refund for any unused portion of the current billing period. If you cancel within the first billing period, the no-refund rule in Section 2 applies unless an exceptional circumstance under Section 3 exists.

9. Amendments to This Policy

NamQritique reserves the right to amend this Refund Policy at any time. Changes will be communicated via email and a platform notice at least 14 days before taking effect. Continued use of the Platform after the effective date constitutes acceptance of the revised Policy.

10. Contact for Billing Enquiries

Billing & refunds and legal queries: namqritique@gmail.com
Montserrat Investments CC, Windhoek, Republic of Namibia