Refund & Billing Policy

‍1. Refund Requests

1.1. If you believe you were charged in error, or you wish to request a refund for a completed

Transaction, please contact Smartmend at support@smartmend.co with the following details:

• Full name
• Email used during checkout
• Transaction date
• Amount charged
• Merchant name (if known)
• Reason for refund request

1.2. Smartmend will review your request and confirm whether the charge was successfully

completed with the Merchant and whether the Transaction qualifies for a refund under the

Merchant’s return or cancellation policy.

2. Processing of Refunds

2.1. Approved refunds may be issued by Smartmend or the Merchant, depending on the status of the Transaction at the time the refund request is submitted.

2.2. If Smartmend has already collected the payment for the Transaction on behalf of the Merchant, Smartmend will process your refund directly to your original payment method.

2.3. If payment has not yet been collected by Smartmend, the Merchant will process the refund directly, and Smartmend will update or void any pending billing instructions associated with that Transaction.

3. Refund Eligibility Window

3.1. A refund request must be made within 120 days of the original purchase date in order to be considered eligible for direct refund processing via Smartmend.

3.2. Refunds requested after 120 days may not be supported by Smartmend. In such cases, you must contact the Merchant directly, and any refund approval or processing will be at the Merchant’s sole discretion.

4. Post-Termination Transactions

4.1. If a refund request relates to a Transaction occurring after Smartmend’s relationship with the Merchant has ended, Smartmend may, in its sole discretion, decide whether it will support refund processing.

4.2. If Smartmend elects not to support such post-termination refund requests, all liability and

processing obligations remain solely with the Merchant.

5. Fees & Charges

5.1. Refund approval does not void or eliminate any fees originally charged by your card issuer, bank, or payment network.

5.2. Smartmend does not charge consumers administrative or penalty fees for refund requests, but:

• your bank or card issuer may apply currency exchange differences,
• international processing fees, or
• reversal handling fees.

6. Currency Conversions

6.1. If your transaction involved currency conversion at the time of purchase, any approved refund will be issued in the same currency originally billed.

6.2 Conversion variances may occur and are controlled by the issuing bank and card network rates—not Smartmend.

7. Contact Information

For questions regarding refunds, billing clarifications, or transaction records, please contact: support@smartmend.co

8. No Responsibility for Merchant Goods/Services

8.1. Smartmend is a third-party payments platform, not the seller. The Merchant remains solely responsible for:

• product/service quality,
• shipping or fulfillment issues,
• returns of physical/digital goods,
• warranties or trial cancellations.

8.2. Smartmend does not assume liability for disputes between you and the Merchant regarding satisfaction, performance, or product delivery.

8.3  Smartmend is a provider of payment processing-related services to the Merchant you purchased from.  While Smartmend will assist with any refund requests, the Merchant is ultimately responsible for all refund requests.