Return and Refund Policy

Last Updated: February, 2026

This Return and Refund Policy (“Policy”) outlines the terms under which payments made through the IBN Platform are handled. By using the Platform and/or making a payment, you acknowledge that you have read, understood, and agree to be bound by this Policy.

1. No Refunds

All payments made through the Platform are final and non-refundable. The Platform does not issue refunds, credits, chargebacks, or rebates for any reason.

This includes, but is not limited to:

Services not used or completed

Partial completion of services

Cancellation or non-participation

Delays caused by regulatory authorities, carriers, or third parties

Decisions by licensing or compliance bodies

Dissatisfaction with services rendered

By submitting payment, you explicitly agree that you will not be entitled to a refund under any circumstances.

2. Payment Processing

Payments on the Platform are processed through third-party payment processors such as Stripe and PayPal. The Platform does not collect, store, or have access to full credit card or bank account details.

All payment processing is subject to the terms, privacy policies, and agreements of the respective payment processor. You agree that any disputes involving payment processing errors, duplicate charges, or unauthorized transactions must be addressed in accordance with the policies of the payment processor.

3. Billing Disputes

If you believe that you have been charged incorrectly or have a dispute regarding a payment transaction, you must notify Platform Support in writing within 30 days of the date of the transaction. Failure to notify Platform Support within this time frame constitutes acceptance of the charge and forfeiture of any dispute rights.

The Platform reserves the right to investigate the matter and make a determination in accordance with applicable policies and documentation.

4. Changes to Fees or Policy

The Platform may modify fees, charges, billing practices, or this Return and Refund Policy at any time. Any changes will be effective immediately upon posting on the Platform or distribution through official communications.

Continued use of the Platform or making additional payments after changes are posted constitutes acceptance of the updated Policy.

5. No Chargebacks

You agree not to initiate a chargeback, reversal, or payment dispute with your financial institution or card issuer for any Platform-related transaction. Initiating a chargeback without prior written notice to Platform Support may result in:

Suspension or termination of your account

Collection actions for disputed amounts

Denial of future access to the Platform

All disputes must be resolved through the process described in Section 3 above.

6. Governing Law

This Policy shall be governed by and construed in accordance with the laws of the jurisdiction in which the Platform operator is based, without regard to conflicts of law principles.

7. Contact

If you have questions regarding this Return and Refund Policy or any payment disputes, please contact Platform Support or Operations.

Placement Recommendations

Publish this policy as a standalone page (e.g., “Return and Refund Policy”)

Link it in your footer (legal section) and payment/checkout pages

Reference it alongside your Privacy Policy and Terms & Conditions

Include a short notice at payment points:

Payments are final. No refunds or credits will be issued under any circumstances.

Payments, Fees, and Billing

Payments and Fees

Certain services available through the Platform may require payment of fees. By submitting payment, you agree to pay all applicable fees in full at the time of purchase.

All prices, fees, and payment terms are disclosed prior to submission of payment. You are responsible for reviewing all charges before completing a transaction.

No Refunds; All Sales Final

All payments made through the Platform are final and non-refundable.

The Platform does not provide refunds, credits, reversals, or partial reimbursements for any reason, including but not limited to:

Unused services

Cancellation or non-participation

Delays caused by regulatory authorities, carriers, or third parties

Licensing or compliance outcomes

User error or change of circumstances

By submitting payment, you expressly acknowledge and agree that all fees are earned upon receipt and that no refunds will be issued under any circumstances.

Payment Processing

Payments are processed through third-party payment processors, including but not limited to Stripe and PayPal. The Platform does not collect, store, or process full credit card numbers, bank account details, or other sensitive payment credentials.

Payment processing is governed by the terms, privacy policies, and security standards of the applicable payment processor. The Platform is not responsible for the data practices or security measures of third-party payment processors.

Billing Errors and Disputes

If you believe a billing error has occurred, you must notify Platform Support in writing within 30 days of the transaction date. Failure to provide notice within this timeframe constitutes acceptance of the charge.

The Platform reserves the right to review billing disputes and make a determination based on available records and applicable policies.

Chargebacks and Payment Reversals

You agree not to initiate a chargeback, payment reversal, or dispute through your financial institution without first contacting Platform Support.

Unauthorized chargebacks or payment disputes may result in:

Immediate suspension or termination of Platform access

Collection actions for unpaid balances

Permanent restriction from future use of the Platform

Changes to Fees

The Platform reserves the right to modify pricing, fees, or billing practices at any time. Any changes will be effective upon posting or notification. Continued use of the Platform after such changes constitutes acceptance of the revised terms.