Refund Policy

1. Introduction

This Refund Policy ("Policy") applies to all purchases of Skm.tc's software-as-a-service platform and related services ("Service"). This Policy forms part of our Terms of Service and should be read in conjunction with them.

2. Types of Refunds

2.1 Full Refunds

Full refunds may be granted in the following circumstances:

• Service failure
• Billing errors or duplicate charges
• Material breach of our service commitments

2.2 No Refund Situations

Refunds will not be provided for:

• Change of mind after service commencement
• Failure to use the Service
• User error or misunderstanding of features
• Minor service interruptions
• Third-party integration issues beyond our control
• Cancellation of monthly or annual subscriptions (except as specified above)

3. Subscription Plans and Cancellation

3.1 Monthly Plans

• Cancel at any time via the billing settings in the dashboard
• Service continues until the end of the current paid billing period
• No refund for the current billing period
• Account access terminates at period end

3.2 Annual Plans

• Cancel at any time via the billing settings in the dashboard
• Service continues until the end of the current annual billing period
• No refund for prepaid annual fees
• Account access terminates at period end

4. Billing Disputes and Errors

4.1 Billing Errors

If you believe you have been charged incorrectly:

• Contact us within 30 days of the charge at support@skm.tc
• We will investigate and correct any verified errors
• Refunds for billing errors will be processed within 10 business days

4.2 Unauthorised Charges

Report unauthorised charges immediately to support@skm.tc:

• We will suspend the account pending investigation
• Verified unauthorised charges will be refunded in full
• Additional security measures may be implemented

5. Refund Request Process

5.1 How to Request

1. Submit a written request to support@skm.tc
2. Include your account details and invoice numbers
3. Provide a detailed reason for the refund request
4. Include any supporting documentation

5.2 Required Information

• Account holder name and email address
• Invoice number(s) and payment reference
• Date of purchase and billing period
• Detailed explanation of the refund reason
• Evidence of any service issues (where applicable)

5.3 Processing Timeline

• Acknowledgment: Within 2 business days
• Review: Completed within 5-10 business days
• Decision: Communicated in writing
• Refund Processing: 5-10 business days if approved

6. Payment Method and Processing

6.1 Refund Methods

Refunds will be processed using the original payment method:

• Credit/Debit Cards: 5-10 business days
• Bank Transfer: 3-5 business days
• Direct Debit: Next available cycle
• PayPal: 3-5 business days

6.2 Processing Fees

• Credit card processing fees are non-refundable
• Bank charges for international refunds may be deducted
• Currency conversion rates apply at time of refund

7. Cancellation Process

7.1 Monthly Subscriptions

• Cancel directly through the application interface
• Navigate to your account billing settings
• Follow the prompts to complete cancellation

7.2 Annual Subscriptions

• Cancel directly through the application interface
• Navigate to your account billing settings
• Follow the prompts to complete cancellation

8. Exceptions and Special Circumstances

8.1 Force Majeure

Refunds may be suspended during force majeure events including:

• Natural disasters
• Government actions or regulations
• Internet infrastructure failures
• Pandemic-related service restrictions

8.2 Account Violations

No refunds will be provided if:

• Your account is terminated for Terms of Service violations
• Fraudulent activity is detected
• Chargeback abuse is identified

9. Business Customer Rights

9.1 UK Consumer Rights Act

Small businesses may have additional rights under the Consumer Rights Act 2015:

• Right to reject faulty services within 30 days
• Right to repeat performance or price reduction
• Right to refund for services not performed with reasonable skill

9.2 Commercial Contracts

For larger business customers, specific contract terms may override elements of this policy where explicitly agreed.

10. Dispute Resolution

10.1 Internal Resolution

• Contact our support team at support@skm.tc
• Escalate to management if not resolved within 10 business days
• Request formal review by senior management

10.2 Legal Recourse

If internal resolution fails:

• Small Claims Court for amounts under £10,000
• Commercial court for larger disputes
• This Policy is governed by English and Welsh law

11. Contact Information

11.1 Billing Inquiries

Email: support@skm.tc

12. Additional Terms

12.1 Data Retention

Upon account closure:

• Customer data retained for 30 days for recovery
• Billing records retained per legal requirements
• Account permanently deleted thereafter

12.2 Policy Updates

• We may update this Policy with reasonable notice
• Material changes will be communicated via email
• Continued use constitutes acceptance of changes

12.3 Tax Implications

• VAT will be credited on refunded amounts where applicable
• Customers responsible for their own tax obligations
• Invoice corrections issued where necessary