Refund Policy
Iberia Finance
Website: https://iberia-finance.com
Contact: [email protected]
Last Updated: January 1, 2026
Effective Date: January 1, 2026
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1. Introduction
This Refund Policy (“Policy”) explains how Iberia Finance (“we,” “us,” “our,” or “the Company”) handles refunds, cancellations, reversals, and related matters for our Services. This Policy applies to all users (“you,” “your,” or “User”) of our website, mobile applications, and related services.
By using our Services, you acknowledge that you have read, understood, and agree to this Refund Policy. This Policy should be read together with our Terms and Conditions, Privacy Policy, and GDPR Compliance Statement.
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2. Scope of This Policy
2.1 What This Policy Covers
This Policy covers refunds and cancellations for:
– Account fees and subscription charges
– Transaction fees
– Payment transfers
– Service charges
– Optional paid features
– Other fees charged by Iberia Finance
2.2 What This Policy Does Not Cover
This Policy does not cover:
– Investment losses (investments carry risk)
– Third-party fees charged by other providers
– Currency exchange rate fluctuations
– Fees charged by correspondent or intermediary banks
– Losses due to unauthorized transactions (see Section 8)
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3. General Refund Principles
3.1 Our Commitment
We are committed to fair and transparent handling of refund requests. We aim to resolve all valid refund requests promptly and professionally.
3.2 No Automatic Refunds
Refunds are not automatic. You must submit a request, and each request is assessed on its individual merits in accordance with this Policy and applicable law.
3.3 Legal Rights
Nothing in this Policy limits your statutory rights under applicable consumer protection laws, including EU consumer protection legislation. Where local law provides stronger rights, those rights prevail.
3.4 Currency of Refunds
Refunds are issued in the same currency as the original transaction, unless otherwise agreed or required by law.
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4. Fees and Charges
4.1 Account Fees
Account fees, where applicable, are disclosed during registration and in your account dashboard.
4.2 Subscription Fees
If you subscribe to a paid plan:
– You may cancel at any time
– Cancellation takes effect at the end of the current billing period
– No refunds are provided for partial billing periods, unless required by law
4.3 Transaction Fees
Transaction fees cover the cost of processing payments and transfers. These fees are generally non-refundable once a transaction is completed.
4.4 Service Charges
Service charges for optional features are non-refundable once the service has been provided.
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5. Cancellation of Services
5.1 Cancelling Your Account
You may close your account at any time by contacting us at [email protected].
5.2 Effect of Cancellation
Upon cancellation:
– Your access to Services ends
– Any remaining balance is returned to you, subject to verification and legal requirements
– Outstanding fees may be deducted
– Certain data is retained as required by law
5.3 Cancellation by Us
We may cancel or suspend your account in accordance with our Terms and Conditions. In such cases, refund eligibility is assessed based on the reason for cancellation.
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6. Refund Eligibility
6.1 Eligible Circumstances
You may be eligible for a refund in the following circumstances:
– Duplicate charges made in error
– Charges for services not provided
– Unauthorized or fraudulent charges
– Technical errors resulting in incorrect charges
– Charges made after valid cancellation
– Other circumstances where required by law
6.2 Ineligible Circumstances
Refunds are generally not provided for:
– Completed transactions
– Fees for services already provided
– Investment losses
– Charges resulting from your error or negligence
– Currency exchange losses
– Fees charged by third parties
– Change of mind after service delivery
6.3 Partial Refunds
In some cases, a partial refund may be appropriate. This is assessed on a case-by-case basis.
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7. How to Request a Refund
7.1 Submission
To request a refund, contact us at:
Email: [email protected]
Subject Line: “Refund Request”
7.2 Required Information
Your request should include:
– Full name
– Account number or registered email
– Transaction reference or date
– Amount in question
– Reason for the request
– Supporting documentation where applicable
7.3 Verification
We may request additional information to verify your identity and the circumstances of the request.
7.4 Acknowledgment
We will acknowledge your request within 5 business days.
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8. Unauthorized and Fraudulent Transactions
8.1 Reporting
If you notice an unauthorized or fraudulent transaction, contact us immediately at [email protected].
8.2 Investigation
We will investigate reported unauthorized transactions promptly. You must cooperate fully with our investigation.
8.3 Refunds for Unauthorized Transactions
Where an unauthorized transaction is confirmed, we will refund the amount in accordance with applicable law and payment scheme rules.
8.4 Your Responsibility
You are responsible for:
– Keeping your credentials secure
– Reporting unauthorized transactions promptly
– Cooperating with investigations
– Not acting fraudulently
8.5 Time Limits
You should report unauthorized transactions as soon as possible. Delays may affect your eligibility for a refund, in accordance with applicable law.
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9. Failed or Delayed Transactions
9.1 Failed Transactions
If a transaction fails but funds are deducted:
– The funds are typically returned automatically
– Return times vary by payment method and provider
– Contact us if funds are not returned within a reasonable time
9.2 Delayed Transactions
Delays may occur due to:
– Verification requirements
– Regulatory checks
– Correspondent bank processing
– Technical issues
– Incorrect payment details
9.3 Incorrect Payment Details
If you provide incorrect payment details:
– We are not responsible for funds sent to the wrong recipient
– Recovery may not be possible
– Additional fees may apply for recovery attempts
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10. Chargebacks
10.1 Right to Chargeback
You may have the right to request a chargeback through your card issuer or payment provider in certain circumstances.
10.2 Contact Us First
We encourage you to contact us before initiating a chargeback so we can resolve the issue directly.
10.3 Chargeback Process
Chargebacks are governed by the rules of your card issuer or payment provider. We cooperate fully with chargeback investigations.
10.4 Fraudulent Chargebacks
Initiating a fraudulent chargeback may result in:
– Account suspension or termination
– Recovery of disputed amounts
– Legal action
– Reporting to relevant authorities
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11. Processing of Refunds
11.1 Approval
Approved refunds are processed within 5 to 10 business days of approval.
11.2 Method
Refunds are issued to the original payment method where possible. Alternative methods may be used where necessary.
11.3 Timing
The time for funds to appear in your account depends on:
– Your payment provider
– Your bank
– The payment method used
– Applicable processing times
11.4 Notification
We will notify you once a refund has been processed.
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12. Disputes
12.1 Internal Resolution
If you disagree with a refund decision, you may request a review by contacting [email protected].
12.2 Escalation
If you remain unsatisfied, you may:
– Contact your local consumer protection authority
– Use alternative dispute resolution (ADR) services where available
– Lodge a complaint with the relevant financial regulator
12.3 EU Consumer Rights
EU consumers retain all rights under applicable EU consumer protection legislation, including access to ADR entities and the European Consumer Centre Network.
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13. Changes to This Policy
13.1 Updates
We may update this Refund Policy to reflect changes in law, our Services, or best practices.
13.2 Notification
We will notify you of material changes via email, in-app notification, or website notice.
13.3 Effective Date
Changes are effective upon posting unless otherwise stated.
13.4 Continued Use
Continued use of our Services after changes constitutes acceptance of the updated Policy.
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14. Contact Information
For all refund-related inquiries:
Email: [email protected]
Subject Line: “Refund Request”
Support: Available 24/7
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15. Summary of Key Points
– Refunds are not automatic and must be requested
– Each request is assessed on its individual merits
– Duplicate, erroneous, and unauthorized charges may be refunded
– Completed transactions and services already provided are generally non-refundable
– Contact us first before initiating a chargeback
– Approved refunds are processed within 5 to 10 business days
– Your statutory rights under EU and local law are not affected
– Contact [email protected] for all refund inquiries
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Document Version: 1.0
Last Reviewed: January 1, 2026
Next Review: January 1, 2027
Iberia Finance
[email protected]
https://iberia-finance.com