RETURN & REFUND POLICY

1. General principles

1.1 All PBPI membership license payments are:

• Final and non-refundable

1.2 This is because membership covers administrative costs, validation, and official membership records.

2. Permitted refund conditions

2.1 A refund may only be considered in the following situations:

• Duplicate payment (double payment)
• A system error on PBPI's side
• Failed transaction but funds were debited

3. Conditions where no refund applies

No refund applies if:

• 3.1 The member cancels unilaterally
• 3.2 Membership is already active or verified
• 3.3 The error originates from the member (e.g. incorrect data entry)
• 3.4 The member does not use the service or does not participate in activities

4. Refund application procedure

4.1 Refund applications must meet the following requirements:

• Submitted no later than seven (7) calendar days from the transaction date
• Sent through PBPI's official contact channels
• Include: proof of payment, member identification, and a chronological explanation

5. Refund process

• 5.1 Verification takes 7–14 business days
• 5.2 Funds will be returned using the original payment method
• 5.3 Any administrative or transfer fees (if applicable) are the member's responsibility

6. PBPI rights and discretion

PBPI may:

• 6.1 Approve or reject refund requests
• 6.2 Request additional documents for verification
• 6.3 Make the final decision on each application

7. Force majeure

7.1 PBPI is not obliged to provide a refund if circumstances beyond its control occur, including but not limited to:

• Natural disasters
• Government policy
• Major system disruption
• Other emergency situations