Payments made to CYNVEXA (SMC-Private) Limited are non-refundable, except where explicitly agreed in writing.

Refunds may only be considered in the following cases:

Duplicate payment

Payment made in error

Service not initiated due to fault solely attributable to CYNVEXA

All refund requests must be submitted in writing within 7 days of payment. Approved refunds will be processed through the original payment method.

• Advance payments are non-refundable once project work has commenced.
• Refund requests must be submitted within 7 days.
• Approved refunds will be processed within 14 working days.

Without refund clarity, Kuickpay may object again.

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🧠 Why Bank Cares So Much

Because:
• IT services have high dispute rate internationally
• Clients sometimes claim “service not delivered”
• Chargebacks cost banks money

They want to ensure:
• Clear scope
• Clear pricing
• Clear refund terms

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🟢 What You Should Send Back To Innovarge / Kuickpay
1. SECP Certificate of Incorporation (PDF)
2. Screenshot or live link of updated pricing page
3. Confirm website now includes:
• Terms & Conditions
• Privacy Policy
• Refund Policy
• Contact details matching SECP
• Pricing in USD

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