FINVORA CAPITAL
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Refund Policy

This Refund Policy explains the circumstances under which customers may request refunds for products and services purchased from FINVORA trading as Finvora Capital, Finvora Funded, or its applicable affiliated entities (“Finvora”, “we”, “us”, or “our”).

By purchasing a Finvora product, you acknowledge and agree to this Refund Policy in addition to our Terms of Service.

1. GENERAL PRINCIPLE

Finvora provides digital and technology-enabled trading-related services.

Certain products may become available immediately after purchase, including:

  • trading evaluations;
  • account credentials;
  • dashboards;
  • digital materials;
  • platform access;
  • software functionality;
  • trading environments; and
  • other digital services.

Because these services may be immediately activated or consumed, refund eligibility may depend on whether the service has been activated or used.

2. BEFORE PURCHASING

Customers are responsible for reviewing:

  • product specifications;
  • account size;
  • trading rules;
  • profit targets;
  • drawdown limits;
  • minimum trading days;
  • permitted instruments;
  • platform availability;
  • prohibited strategies;
  • payout conditions;
  • fees;
  • jurisdiction restrictions; and
  • other applicable conditions

before completing a purchase.

Purchasing a product constitutes confirmation that you have had the opportunity to review the applicable product information.

3. REFUND ELIGIBILITY

Subject to applicable mandatory consumer-protection laws, a refund may be available where:

  1. the product has not been activated;
  2. the service has not been materially used;
  3. the refund request is submitted within the applicable refund period;
  4. there is no evidence of abuse or fraud;
  5. no prohibited activity has occurred; and
  6. the applicable product terms permit a refund.

The specific refund period for a product may be displayed at checkout or in the applicable product documentation.

4. ACTIVATED ACCOUNTS

Once an evaluation or account has been activated, refund eligibility may be limited.

Activation may include:

  • issuance of account credentials;
  • creation of a trading account;
  • connection to a trading platform;
  • login to the trading environment;
  • placement of a trade;
  • activation of a dashboard;
  • use of account services; or
  • commencement of the purchased program.

5. TRADING ACTIVITY

If you have commenced trading activity, the product may be considered used.

Depending on the product terms and applicable law, refunds may not be available after:

  • placing a trade;
  • opening a position;
  • closing a position;
  • using the account for trading;
  • activating certain platform services; or
  • otherwise materially consuming the service.

6. FAILED EVALUATIONS

Failing an evaluation does not automatically create a right to a refund.

If an account fails because of:

  • maximum daily loss;
  • maximum drawdown;
  • prohibited trading;
  • profit-target failure;
  • minimum-day requirements;
  • rule violation; or
  • other program conditions,

the purchase fee is generally not refundable unless the applicable product terms expressly state otherwise or applicable law requires a refund.

7. SUCCESSFUL EVALUATIONS

Passing an evaluation does not create a refund right.

Once an evaluation has been successfully completed, the service has been materially performed.

Any subsequent account or reward arrangement is governed by the applicable product agreement.

8. TECHNICAL PROBLEMS

If a material technical problem prevents you from accessing a purchased service, you should contact support promptly.

Finvora may, depending on the circumstances:

  • investigate the issue;
  • restore access;
  • extend the account;
  • reset an account;
  • provide replacement access;
  • provide a credit; or
  • issue a refund where appropriate.

Technical problems must not automatically be interpreted as grounds for a refund where the issue is caused by:

  • your internet connection;
  • your device;
  • your software;
  • your incorrect configuration;
  • third-party platform issues outside Finvora's control; or
  • failure to follow published instructions.

9. DUPLICATE PURCHASES

If you accidentally purchase the same product multiple times, contact support as soon as possible.

Where a duplicate purchase has not been activated or used, Finvora may review the transaction for a refund.

10. INCORRECT PRODUCT PURCHASE

If you purchase the wrong product, contact customer support promptly.

Finvora may, at its discretion, offer:

  • product exchange;
  • account conversion;
  • account credit;
  • partial adjustment; or
  • refund,

subject to product rules and applicable law.

11. PROMOTIONAL PRODUCTS

Promotional products may have special refund conditions.

Discounts, bonuses, credits, promotional upgrades, and free products may be subject to separate terms.

12. COUPONS AND DISCOUNTS

Coupons and promotional codes do not create an independent cash refund right.

If a refund is approved, the amount refunded may reflect the actual amount paid after applicable discounts.

13. PAYMENT-PROCESSOR FEES

Where a refund is approved, Finvora may be unable to recover certain third-party processing charges.

Any deduction of payment-processing fees will be made only where permitted by applicable law and clearly disclosed by the applicable terms.

14. CHARGEBACKS

You agree to contact Finvora before initiating a payment chargeback where you believe a transaction was incorrect or a refund may be appropriate.

Unauthorized or fraudulent chargebacks may result in:

  • account suspension;
  • cancellation of services;
  • investigation;
  • restriction of future purchases; and
  • other lawful action.

Nothing in this section limits rights provided by applicable consumer-protection laws.

15. FRAUDULENT TRANSACTIONS

Finvora may investigate transactions suspected of involving:

  • stolen payment methods;
  • unauthorized payment accounts;
  • identity theft;
  • false information;
  • payment manipulation;
  • money laundering;
  • fraud; or
  • other unlawful conduct.

Refunds may be withheld while an investigation is ongoing where legally permitted.

16. REFUND REQUEST PROCESS

To request a refund, contact:

Email: [REFUND EMAIL]

Your request should include:

  • full name;
  • account email;
  • order number;
  • purchase date;
  • product purchased;
  • reason for the request; and
  • any relevant supporting information.

Do not send passwords, authentication codes, full payment-card numbers, or other unnecessary sensitive credentials.

17. REFUND REVIEW

Finvora may review:

  • purchase records;
  • account activation;
  • trading activity;
  • platform usage;
  • payment status;
  • refund history;
  • account conduct; and
  • other information reasonably necessary to determine eligibility.

18. REFUND TIMELINE

Approved refunds will generally be initiated within [X] business days after approval.

The time required for the funds to appear in your account depends on:

  • payment method;
  • bank;
  • card issuer;
  • payment processor;
  • currency;
  • jurisdiction; and
  • other third-party factors.

19. REFUND METHOD

Where possible, refunds will be made to the original payment method.

Finvora may request additional information where the original payment method is unavailable.

20. CRYPTOCURRENCY PAYMENTS

Where cryptocurrency payments are accepted, refund procedures may differ.

Blockchain transactions may be:

  • irreversible;
  • subject to network fees;
  • affected by exchange-rate fluctuations;
  • delayed by network congestion; or
  • dependent on wallet infrastructure.

Where a cryptocurrency refund is legally and operationally available, Finvora may require confirmation of the appropriate destination wallet.

Finvora will not request private keys or wallet passwords.

21. CURRENCY FLUCTUATIONS

If the purchase and refund currencies differ, the amount received may differ because of exchange-rate movements and third-party fees.

Finvora is not responsible for currency fluctuations outside its reasonable control.

22. NON-REFUNDABLE CIRCUMSTANCES

Subject to mandatory legal rights, refunds may generally not be available where:

  • an account has been materially used;
  • trading has commenced;
  • the account has failed due to trading performance;
  • the customer violated program rules;
  • the customer engaged in prohibited activity;
  • the customer used fraudulent payment information;
  • the customer received a service that was materially consumed;
  • the refund period has expired; or
  • the purchase is otherwise expressly designated non-refundable.

23. CONSUMER RIGHTS

Nothing in this Refund Policy is intended to remove or restrict mandatory rights that you may have under applicable consumer-protection law.

Where applicable law gives you a statutory right to cancel, withdraw, obtain a refund, or receive another remedy, those rights remain unaffected.

24. ACCOUNT CANCELLATION

Cancellation of an account does not automatically result in a refund.

Refund eligibility is determined according to this Refund Policy, the applicable product terms, and mandatory applicable law.

25. SERVICE DISCONTINUATION

If Finvora permanently discontinues a purchased service before materially providing it, Finvora may provide an appropriate remedy depending on the circumstances and applicable law.

Potential remedies may include:

  • replacement service;
  • account credit;
  • migration to another product; or
  • refund.

26. FORCE MAJEURE

Finvora is not responsible for delays caused by events beyond its reasonable control, including:

  • natural disasters;
  • war;
  • terrorism;
  • governmental action;
  • infrastructure failures;
  • widespread cyberattacks;
  • payment-network failures;
  • internet failures;
  • third-party platform failures; or
  • other force majeure events.

This does not remove mandatory refund or consumer rights imposed by applicable law.

27. POLICY CHANGES

Finvora may update this Refund Policy from time to time.

The updated version will be published on the website with a new “Last Updated” date.

Changes will not retroactively remove mandatory legal rights.

28. CONTACT

Refund questions should be directed to:

Finvora Capital

29. FINAL ACKNOWLEDGEMENT

By purchasing a Finvora product, you acknowledge that you have:

  • reviewed the applicable product;
  • reviewed its trading rules;
  • reviewed the applicable fees;
  • reviewed this Refund Policy;
  • understood that trading evaluations may involve risk;
  • understood that failing an evaluation does not automatically create a refund right; and
  • understood that applicable mandatory consumer rights remain unaffected.