Effective Date: January 4, 2026
This Refund Policy governs payments made to Sapphital Limited (“Sapphital”, “we”, “our”, or “us”) through our websites, platforms, portals, applications, payment channels, and digital services.
By purchasing or subscribing to any of our services, products, software, training programmes, subscriptions, or digital solutions, you acknowledge that you have read, understood, and agreed to this Refund Policy.
1. About Sapphital Limited
Sapphital Limited is a technology, eLearning, digital transformation, multimedia, and business solutions company providing services including but not limited to:
● Learning Management Systems (LMS)● ERP and business management platforms● SaaS subscriptions● Digital products and downloadable resources● Corporate and public sector training● Content digitalization● Website and mobile application development● Multimedia and animation services● Marketplace and platform services● Consulting and implementation services
2. General Refund PolicyDue to the digital and service-based nature of our offerings, all payments made to Sapphital Limited are generally non-refundable once services, subscriptions, access credentials, licenses, digital products, or project work have been initiated, delivered, activated, or made accessible.
This applies to:
● Subscription fees● Setup fees● Onboarding fees● Software license fees● Marketplace purchases● Training fees● Custom development services● Hosting and infrastructure fees● Integration and implementation charges● Digital content purchases 3. Situations Where Refunds May Be ConsideredRefund requests may only be reviewed under the following circumstances:
a. Duplicate TransactionsWhere a customer is mistakenly charged multiple times for the same service or transaction.b. Failed Service DeliveryWhere Sapphital is unable to provide the purchased service due to a verified internal technical issue solely attributable to Sapphital.c. Unauthorized or Fraudulent TransactionsWhere a transaction is confirmed to have been carried out fraudulently or without proper authorization, subject to verification and investigation.d. Incorrect BillingWhere an incorrect amount was charged due to a system, technical, or processing error.
4. Non-Refundable SituationsRefunds shall not be granted in the following situations:
● Change of mind after purchasing and using the service● Failure to use or access the service● Partial usage of subscription periods● Customer misunderstanding of features or functionality already communicated before purchase● Delays caused by third-party service providers● Internet connectivity or device-related issues● Suspension or termination resulting from violation of our Terms and Conditions● Custom work or project milestones already commenced● Downloaded or accessed digital products● Training sessions, workshops, or webinars already attended or commenced● Domain registration, hosting, or third-party licensing fees already incurred on behalf of the customer
5. Subscription CancellationCustomers may cancel recurring subscriptions at any time before the next billing cycle. Cancellation shall stop future billing but shall not entitle the customer to a refund for payments already made. Access to services may continue until the expiration of the active subscription period.
6. Chargebacks and Payment DisputesCustomers are encouraged to contact Sapphital Limited directly to resolve any billing concerns before initiating a chargeback or dispute with their bank or card provider.Fraudulent, abusive, or unjustified chargebacks may result in:● Immediate suspension of services● Restriction or termination of accounts● Recovery actions for associated costs and damages● Reporting to relevant financial institutions where necessary
7. Third-Party Services and IntegrationsSome services provided by Sapphital may involve third-party platforms, payment gateways, cloud infrastructure providers, software vendors, or integration partners.Refunds relating to third-party services may be subject to the policies, timelines, and approvals of the relevant third-party provider.Sapphital Limited shall not be liable for delays or restrictions caused by third-party financial institutions, payment processors, or service providers.
8. Processing of Approved RefundsWhere a refund is approved, processing shall be made through the original payment method where reasonably possible.Refund processing timelines may vary depending on:● Banks● Card issuers● Payment gateways● International payment processing systems● Regulatory or compliance reviews
9. Policy UpdatesSapphital Limited reserves the right to modify, amend, or update this Refund Policy at any time without prior notice. Any updated version shall become effective immediately upon publication on our website, platforms, or digital channels. Your continued access to or use of our services following such updates shall constitute your acceptance of the revised Refund Policy.
10. Contact InformationFor refund-related inquiries or support, please contact:Sapphital LimitedWebsite: www.sapphital.comEmail: moc.latihppas%40olleh
By using our services, you acknowledge and agree to this Refund Policy.