Refund Policy

Last Updated: July 09, 2026

Important Notice: Please read this Refund Policy carefully before purchasing any services from Velnoras. This policy explains our refund and cancellation procedures for retirement readiness information services.

1. General Refund Policy

At Velnoras, we are committed to providing high-quality retirement readiness information services. We understand that circumstances may change, and we have established this Refund Policy to address various situations fairly and transparently.

2. 14-Day Money-Back Guarantee

We offer a 14-day money-back guarantee on our premium retirement readiness services:

If you are not satisfied with our service within 14 days of purchase, you may request a full refund
The refund request must be submitted within 14 calendar days from the date of purchase
To be eligible, you must provide a brief explanation for the refund request
The refund will be processed to the original payment method within 7-10 business days

3. Eligibility for Refunds

3.1 You ARE Eligible for a Refund If:

You request a refund within 14 days of purchase
You have not completed more than 50% of the service or materials provided
There is a technical issue on our end that prevents access to the service
The service was charged in error or duplicate charges occurred
You can demonstrate that the service does not match its description

3.2 You ARE NOT Eligible for a Refund If:

More than 14 days have passed since the date of purchase
You have completed or accessed more than 50% of the service materials
You have already participated in one-on-one consultation sessions
You violate our Terms and Conditions
You provide false or misleading information in your refund request

4. Service-Specific Refund Terms

4.1 One-Time Information Services

Full refund available if requested before accessing the materials
Partial refund (50%) if less than 50% of content has been accessed
No refund if more than 50% of content has been accessed

4.2 Subscription Services

Monthly subscriptions: Refunds available for the current billing period if requested within 14 days
Annual subscriptions: Pro-rata refunds available for unused months if requested within 14 days of initial purchase or renewal
Cancelled subscriptions will remain active until the end of the paid period

4.3 Consultation Sessions

Full refund if cancellation is made at least 48 hours before the scheduled session
50% refund if cancellation is made 24-48 hours before the session
No refund for cancellations made less than 24 hours before the session
No refund for no-shows without prior notification

4.4 Bundled Packages

Refunds for bundled packages are calculated based on individual service values
Used services within the bundle will be charged at regular non-bundled prices
The remaining balance after deductions will be refunded

5. How to Request a Refund

To request a refund, please follow these steps:

Contact Us: Email us at info@velnoras.top with "Refund Request" in the subject line
Provide Information: Include your full name, email address, purchase date, and transaction ID
Explain Your Reason: Briefly explain why you are requesting a refund
Await Response: We will review your request and respond within 2-3 business days
Provide Additional Information: We may request additional information to process your refund

6. Refund Processing

Once your refund is approved:

Refunds will be processed within 7-10 business days
Refunds will be issued to the original payment method used for purchase
You will receive an email confirmation once the refund has been processed
Depending on your bank or payment provider, it may take an additional 5-10 business days for the refund to appear in your account

7. Partial Refunds

In certain situations, we may offer partial refunds:

When services have been partially consumed
When there are extenuating circumstances beyond the 14-day period
When technical issues temporarily affected service quality
At our sole discretion based on individual case evaluation

8. Non-Refundable Items and Services

The following are non-refundable:

Completed consultation sessions
Fully accessed digital materials and courses
Promotional or discounted services explicitly marked as non-refundable
Third-party services or products purchased through our platform
Administrative or transaction fees

9. Cancellation Policy

9.1 You May Cancel:

Subscription services at any time through your account settings
Scheduled consultations with appropriate notice as outlined above
One-time services before accessing materials

9.2 We May Cancel:

Services if payment fails or is disputed
Your account if you violate our Terms and Conditions
Services if we discontinue offerings (with appropriate notice and refund)

10. Technical Issues and Service Interruptions

If technical issues on our end prevent you from accessing services:

Contact us immediately at info@velnoras.top
We will work to resolve the issue within 48 hours
If the issue cannot be resolved, you will be eligible for a full refund
Service period may be extended to compensate for downtime

11. Disputed Charges and Chargebacks

If you dispute a charge with your payment provider:

Please contact us first to resolve the issue directly
Chargebacks may result in immediate suspension of services
We reserve the right to provide evidence to your payment provider
Fraudulent chargebacks may result in permanent account termination

12. Currency and Exchange Rates

Refunds are processed in the original currency of purchase. If exchange rates have changed between purchase and refund dates, the refunded amount may differ slightly from the original charge when converted to your local currency.

13. Promotional Offers and Discounts

Services purchased with promotional codes or during special offers:

Are subject to the same refund policy
Will be refunded at the discounted price paid
May have specific terms outlined at the time of promotion

14. Gift Purchases

For services purchased as gifts:

The purchaser must request the refund
Refund eligibility is based on the recipient's usage
Refunds are issued to the original purchaser's payment method

15. Changes to This Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes constitutes acceptance of the modified policy.

For purchases made before policy changes, the policy in effect at the time of purchase will apply.

16. Customer Support

If you have questions about refunds or need assistance:

Email: info@velnoras.top
Phone: +262492632124
Support hours: Monday-Friday, 9:00 AM - 6:00 PM (Bangkok time)
Response time: Within 2-3 business days

17. Exceptions and Special Circumstances

We understand that exceptional circumstances may arise. If you believe you deserve a refund outside the terms of this policy due to extraordinary circumstances, please contact us. We will review each case individually and may make exceptions at our sole discretion.

18. Legal Rights

This Refund Policy does not affect your statutory rights under applicable consumer protection laws in Thailand or your country of residence.

19. Contact Information

For refund requests or questions about this policy:

Velnoras
Address: Flat 25 18 Bernadette Key Richmondchester, SA 2728, Malaysia
Phone: +262492632124
Email: info@velnoras.top
Website: velnoras.top

20. Acknowledgment

By purchasing services from Velnoras, you acknowledge that you have read, understood, and agree to this Refund Policy.

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