Refund and Cancellation Policy

1. Introduction

Thank you for using Budj, a service provided by Fusion Labs Limited ("we," "us," or "our"). This Refund Policy outlines the terms regarding refunds for transactions facilitated through our App, cancellations of subscriptions, and the reversal of cashback rewards.

By making a transaction on Budj, you acknowledge that you have read and agreed to this policy.

2. Refunds for Goods and Services

A. Merchant Responsibility

Budj is a platform that connects Users with independent Merchants. We do not sell the goods or services provided by the Merchants. Therefore:

• All requests for refunds, returns, or exchanges for goods or services purchased via the App must be directed to the specific Merchant from whom you made the purchase.
• Each Merchant's individual refund policy applies to your purchase. We encourage you to ask the Merchant about their policy before paying.

B. Role of Budj

We are not responsible for the quality, safety, legality, or delivery of goods or services sold by Merchants. We cannot issue refunds on behalf of a Merchant unless the Merchant explicitly instructs us to reverse a transaction through our system.

3. Cashback Reversals (Clawbacks)

If a transaction you made at a Merchant is refunded, cancelled, or reversed by the Merchant:

1. Cashback Forfeiture: Any cashback or loyalty points earned from that specific transaction are considered void.
2. Deduction: We reserve the right to reverse or deduct the corresponding cashback amount from your Budj account balance or reward records.
   • If your "Immatured Cashback" balance is sufficient, we will deduct it from there.
   • If the funds have already "Matured" or been withdrawn, we may deduct the amount from your future earnings or require you to return the funds.

Attempting to exploit the system by purchasing items to earn cashback and then returning them for a refund is a violation of our Terms of Service and may result in the permanent suspension of your account.

4. Payment Errors and Technical Issues

In the rare event of a technical error involving the Budj App or our M-Pesa integration:

A. Failed Transactions

If funds are deducted from your M-Pesa account but the transaction is not reflected in the App or received by the Merchant:

• Please contact Support immediately with your M-Pesa Transaction Code.
• We will investigate with Safaricom. If confirmed as a system error, we will process a reversal to your M-Pesa account within 48 hours.

B. Duplicate Charges

If you are charged more than once for the same transaction due to a technical issue:

• Such charges are processed by the payment provider (e.g. M-Pesa) or the Merchant.
• Budj does not process or hold payment funds and cannot directly issue monetary refunds.
• Where applicable, Budj may assist by verifying the transaction and coordinating with the Merchant or payment provider to support resolution.
• Any associated cashback or rewards will be adjusted accordingly once the transaction outcome is confirmed.

5. Merchant Subscription & Ad Refunds (For Business Partners)

This section applies to Merchants who purchase premium services (e.g., "Data Insights" subscriptions, "Billboard Ads", or "Premium Listings").

• Subscription Cancellations: You may cancel your subscription at any time. Cancellations will take effect at the end of the current billing cycle. We do not provide prorated refunds for unused portions of a billing month.
• Ad Campaigns: Fees paid for advertising campaigns (In-App or Billboard) are generally non-refundable once the campaign has gone live or materials have been produced.
• Service Errors: If a paid feature or ad was not delivered due to a technical failure on our part, we will offer a full refund or service credit for the affected period.

6. Withdrawal Failures

If a withdrawal request to M-Pesa fails or is not completed successfully:

• Budj does not hold user funds and does not control payment processing outcomes.
• Where a failed withdrawal results in an incorrect adjustment of cashback records, Budj will make reasonable efforts to reconcile and correct the affected records.
• Resolution timelines depend on confirmation from the payment provider and may vary.
• If an issue is not resolved automatically, you may contact support for assistance.

7. Contact Us

If you have any questions concerning our Refund Policy, please contact us at:

Fusion Labs Limited Email: support@budj.app Phone: +254 722 419102