Refund Policy

This refund policy applies to all payments made to Financely and governs the circumstances under which refunds may be considered. By engaging our services and making any payment, you acknowledge and agree to be bound by this policy.

Financely provides advisory and consultancy services in trade finance and project finance. Due to the nature of our services, all fees are considered earned upon payment and are generally non-refundable, except under the conditions expressly stated in this policy.

Retainer fees

All retainer fees are strictly non-refundable upon payment unless explicitly stated otherwise in the engagement letter or contract signed between Financely and the client. These fees cover initial analysis, research, strategic planning, and other preparatory work undertaken by Financely.

Clients acknowledge that:

• Retainer fees are not contingent on any specific result or funding approval.
• Work begins immediately upon receipt of payment, meaning resources are allocated and efforts are undertaken, making refunds impractical.
• No refunds will be provided for a change of mind, shifting business priorities, or any other reason outside of Financely’s control.

Service non-performance

If Financely is unable to deliver the agreed-upon scope of work due to reasons solely attributable to us, we may, at our absolute discretion, provide a partial or full refund, taking into account:

1. The amount of work completed before the refund request.
2. Any third-party costs incurred.
3. The reason for non-performance and whether the client has contributed to delays.

Refunds will not be granted under the following circumstances:

• The client fails to provide required documentation, information, or approvals necessary for service execution.
• Delays or non-performance result from external factors, including regulatory changes, third-party decisions, or market conditions.
• The client engages in fraud, misrepresentation, or non-disclosure of material information affecting the feasibility of the transaction.

Client cancellation

If a client chooses to terminate or cancel our services for any reason, all fees paid prior to cancellation are non-refundable, unless explicitly specified in the engagement letter or contract.

• If a client withdraws from a financing or advisory process mid-way, fees will not be refunded, as services, consultations, and resources have already been allocated.
• If a client fails to engage with us for 30 consecutive days (e.g., by failing to respond to emails or provide requested information), Financely reserves the right to close the engagement without any obligation to refund.

No guarantee of results

Financely provides strategic advisory services but does not guarantee any specific financial outcome, funding approval, or successful transaction.

Clients acknowledge that:

• Financely does not act as a lender or financial institution and cannot guarantee third-party approvals.
• Success in trade finance and project finance depends on multiple factors, including market conditions, regulatory environments, and investor/lender risk assessments.
• Payments made to Financely are for advisory, analysis, and structuring services—not for an assured financial result.

Trial waiver and chargeback protection

By making a payment to Financely, clients expressly waive any right to dispute charges through chargebacks, trials, or similar claims with their bank or payment provider.

• Any disputes related to payments must be handled exclusively through Financely’s dispute resolution process as outlined in this policy.
• Clients agree not to initiate chargebacks for any services rendered. Any attempt to do so will constitute a material breach of this agreement.
• If a chargeback is initiated in violation of this policy, Financely reserves the right to pursue legal action and recover associated costs.

Refund request process

Clients must submit a written request detailing the basis for their refund claim. All refund requests are subject to review and will be processed solely at Financely’s discretion.

Refund requests must include:

• The reason for the refund request, along with supporting documentation.
• Evidence of Financely’s failure to provide the agreed-upon service.
• A timeline of communications related to the service issue.

Once received:

• Refund requests will be reviewed within 15 business days.
• If a refund is approved, payment will be processed within 30 business days from the approval date.
• If a refund is denied, the client will receive a written explanation, and the decision will be considered final.

Changes to this policy

Financely reserves the right to modify this refund policy at any time, with or without prior notice. The most current version will always be available on our website, and clients are responsible for reviewing updates. Material changes to this policy may be communicated via email or other appropriate channels.