Refund & Cancellation Policy

This Refund & Cancellation Policy explains how refund and cancellation requests are handled where a product or service is supplied directly by Conteh Technologies Hub Ltd. ("Company", "we", "us", or "our") through or in connection with Conteh Tech Hub.

Conteh Tech Hub is the umbrella and master commercial brand of Conteh Technologies Hub Ltd. and serves as the Company's central digital hub.

This Policy does not automatically govern every transaction occurring through every venture or platform within the Conteh Tech Hub ecosystem. Individual ventures may publish their own refund, cancellation, return, transaction, or service-specific terms.

This Policy applies where Conteh Technologies Hub Ltd. is the relevant provider or contracting party for the product or service concerned and where payment, cancellation, or refund arrangements are governed through Conteh Tech Hub or Company-level terms.

This may include, where applicable:

• Company-provided digital or technology services;
• Company-level subscriptions or service arrangements;
• Company-provided digital products or resources;
• Company-provided professional or project services;
• Company fees paid directly to Conteh Technologies Hub Ltd.; and
• other products or services expressly identified as being supplied directly by the Company.

Conteh Technologies Hub Ltd. operates multiple ventures and platforms under the Conteh Tech Hub umbrella. These may include ConTech Stores, ConTech Marketplace, ConTech Eats, ConTech BizTrack-SL, ConTech AgroLink-SL, Consult Conteh ICT, Dauwz Editions Collective, and other future ventures.

Where a transaction occurs through an individual venture, the refund, cancellation, or return rules published by that venture may apply instead of this Hub-level Policy.

The fact that a venture is operated by Conteh Technologies Hub Ltd. does not mean that the Company receives or controls every payment made between Customers, Vendors, delivery companies, payment providers, or other participants using that venture.

A refund request should therefore be directed to the party responsible for the relevant transaction, using the applicable venture’s support process where appropriate.

Refund eligibility depends on the nature of the product or service, the stage of performance or delivery, the reason for the request, the applicable transaction or service terms, and any rights or obligations arising under applicable law.

A request for a refund does not automatically mean that a full refund is due. Each request may be assessed according to the circumstances of the relevant transaction.

Nothing in this Policy is intended to remove, restrict, or replace any refund, cancellation, return, or other remedy that cannot lawfully be excluded or limited.

If you request cancellation before the Company has materially begun performing the relevant service, we may assess whether the service can reasonably be cancelled and whether a full or partial refund is appropriate.

The assessment may take into account work already performed, resources committed, third-party costs incurred, administrative costs, agreed project milestones, reservation of capacity, and any service-specific cancellation terms communicated before or during the engagement.

Where the Company has already begun providing a service, a cancellation request may be subject to charges for work already completed, costs already incurred, or other amounts properly due under the applicable agreement.

Depending on the service and applicable terms, any refund that is due may therefore be limited to the portion of the payment attributable to work or services that have not yet been provided.

This section remains subject to applicable law and any service-specific agreement governing the engagement.

If a Company-provided service has not been provided in accordance with the applicable agreement, you should contact us and provide sufficient information for the matter to be reviewed.

Depending on the circumstances, an appropriate resolution may include:

• completion or correction of the service;
• re-performance of relevant work;
• another reasonable service remedy;
• a partial refund;
• a full refund where appropriate; or
• another remedy required or permitted under the applicable agreement or applicable law.

Refund and cancellation treatment for digital products, software, subscriptions, downloadable materials, licences, online services, or other digital offerings may depend on the nature of the particular product or service and whether access, delivery, download, activation, performance, or use has already begun.

Any specific refund or cancellation conditions applicable to a digital offering should be communicated through the relevant product, subscription, order, licence, or service terms.

Professional, consultancy, development, design, technology, implementation, or project-based services may involve customised work performed specifically for a client.

Where such services are subject to a proposal, quotation, statement of work, project agreement, milestone arrangement, or other service-specific terms, those terms may determine the applicable cancellation and refund arrangements.

Amounts relating to work already completed, approved milestones, committed resources, or properly incurred costs may remain payable where permitted by the applicable agreement and applicable law.

If you believe that you have made a duplicate payment, paid an incorrect amount, or that a payment has otherwise been recorded incorrectly in relation to a direct Company transaction, contact us promptly so that the transaction can be reviewed.

Where our review confirms that the Company received an amount that should be returned, we will take appropriate steps to correct the transaction, subject to the payment method used and any applicable processing requirements.

A failed, pending, reversed, or incomplete payment does not necessarily mean that the Company has received the funds.

Where a payment involves a bank, mobile-money operator, card provider, payment gateway, or other third-party payment service, transaction status may also depend on that provider's systems and processes.

We may request reasonable transaction information to help determine whether funds were actually received by the Company.

Banks, mobile-money operators, payment providers, or other third-party services may impose their own transaction, transfer, processing, conversion, withdrawal, or similar charges.

Unless otherwise agreed or required by applicable law, a refund by the Company does not automatically include charges independently imposed and retained by a third-party payment provider.

Where a refund is approved for funds received directly by Conteh Technologies Hub Ltd., we will determine an appropriate refund method having regard to the original payment method, available payment infrastructure, transaction records, security considerations, and the circumstances of the transaction.

We may request information reasonably necessary to verify the transaction and identify the appropriate recipient before processing a refund.

We will communicate the status of an approved refund and any applicable processing timeframe when reasonably practicable. Completion times may depend on the payment method and any third-party financial provider involved, subject to any timeframe required by applicable law.

Where reasonably practicable, refunds should be returned to the person or payment source from which the original payment was received.

We may require additional verification before sending a refund to a different account, telephone number, bank account, wallet, or other payment destination in order to reduce the risk of fraud, misdirection, or unauthorised payment.

Certain individual Conteh Tech Hub ventures, rather than this corporate Hub website, may facilitate transactions between Customers and independent Vendors.

Where a Customer pays a Vendor directly and Conteh Technologies Hub Ltd. did not receive or hold the purchase funds, the relevant Vendor is ordinarily responsible for processing any monetary refund that is due in relation to that transaction, subject to the applicable Platform rules and applicable law.

Where the relevant venture provides a complaint or escalation process, an unresolved matter may be escalated through that venture's designated support channel.

The relevant Platform may assist with communication, request information, record the complaint, or take appropriate Platform-level action, but such assistance does not mean that the Platform received or controls funds that were paid directly to a Vendor.

Delivery arrangements vary between individual ventures and are not generally a service provided through the Conteh Tech Hub corporate website itself.

Where an independent Third-Party Delivery Company is selected and paid directly by a Customer, any refund relating specifically to that independent delivery charge should ordinarily be addressed with the Third-Party Delivery Company that received the payment, subject to applicable law and any relevant venture-level complaint process.

Where a Vendor provides its own delivery service, responsibility for a Vendor delivery charge will be determined by the applicable Vendor transaction, relevant venture's terms, and mandatory legal rights. These delivery arrangements are not offered through the corporate Hub website itself.

Certain amounts may be non-refundable where this has been clearly communicated, is appropriate to the nature of the transaction, and is permitted by applicable law.

Depending on the circumstances, this may include amounts relating to:

• services already fully performed;
• work already completed;
• approved project milestones;
• customised work already produced;
• costs properly incurred for the relevant engagement;
• digital access, licences, or services already supplied where applicable; or
• other amounts expressly governed by valid service-specific terms.

Any non-refundable classification remains subject to applicable law and any rights that cannot lawfully be excluded.

If you believe a direct Company payment is incorrect or unauthorised, we encourage you to contact us promptly so that we can review the transaction.

Where you raise a chargeback, reversal, or payment dispute through a bank or payment provider, we may provide relevant transaction, service, communication, or fulfilment records to that provider where reasonably necessary to respond to the dispute and where permitted by applicable law.

We may investigate refund or cancellation requests where there is a reasonable concern about fraud, duplicate claims, manipulation, misrepresentation, abuse of Platform processes, or unauthorised activity.

We may decline a request that is demonstrated to be fraudulent or otherwise invalid, subject to applicable law and any rights that cannot lawfully be excluded.

For a transaction made directly with Conteh Technologies Hub Ltd. through or in connection with Conteh Tech Hub, contact:

support@contehtechhub.com

Where possible, include:

• your name and contact information;
• the relevant service, product, invoice, or transaction;
• the date and amount of payment, where applicable;
• a transaction or payment reference, where available;
• the reason for the request; and
• any information reasonably necessary to understand and verify the request.

Please do not send passwords, PINs, full card credentials, or other unnecessary sensitive financial information by email.

If your request concerns a transaction made through an individual Conteh Tech Hub venture, you should ordinarily contact the designated support channel published by that venture.

This helps ensure that the request is handled according to the correct transaction records, Platform rules, Vendor relationship, and payment structure.

This Policy establishes the Company's general refund and cancellation framework for Conteh Tech Hub.

It does not replace or restrict any mandatory refund, cancellation, return, consumer-protection, contractual, or other remedy that applies under applicable law.

Where applicable law provides a right or remedy that conflicts with a provision of this Policy, the applicable mandatory legal requirement will take precedence to the extent required.

We may update this Policy to reflect changes in Company services, Platform functionality, payment arrangements, venture structures, refund procedures, or applicable legal requirements.

When this Policy is materially revised, the updated version will identify its revision date. Where additional notice is appropriate or required, we may provide notice through the Platform or another suitable communication method.

This Refund & Cancellation Policy should be read together with the other legal documents applicable to Conteh Tech Hub, including:

• Terms & Conditions
• Privacy Policy
• Cookie Policy
• Payment Information

For refund or cancellation questions concerning a direct Conteh Tech Hub or Company transaction, contact:

support@contehtechhub.com

For general enquiries concerning Conteh Tech Hub:

info@contehtechhub.com