Refund, Cancellation & Disputes

Effective: 14 August 2026

This policy applies where Paragonative, Inc. is the contracting provider and transaction-specific written terms do not state different conditions. Where a proposal, order, invoice, checkout, statement of work, or other written agreement contains specific refund or cancellation terms, those specific terms control.

Custom and professional engagements

If a customer cancels before work has begun, amounts paid for undelivered work are generally eligible for refund, less any non-refundable deposit, third-party cost, or committed expense that was clearly disclosed or already incurred.

After work has begun, the customer remains responsible for work already performed and for non-cancellable costs reasonably committed to the engagement. Any unused prepaid balance is reviewed against the applicable scope and may be refunded where due.

Work, deliverables, or custom services already completed and accepted are generally non-refundable except where the applicable written agreement or mandatory law provides otherwise.

Standardized products and operated brands

A standardized product, digital offering, subscription, or product sold by a Paragonative-operated brand may have product-specific cancellation, refund, shipping, delivery, or return terms. Where those terms are presented before purchase, they apply to that transaction.

The Paragonative corporate website does not currently present physical goods for direct purchase. If physical goods are offered by an operated brand, the applicable return process and shipping or delivery policy are disclosed at the relevant brand, order, or checkout.

How to request a cancellation or refund

Submit the request through the contact directory and select Billing / Refund / Dispute and include the customer name, invoice or transaction reference, the product or engagement concerned, and the reason for the request. Paragonative aims to acknowledge customer and payment enquiries within two business days, Monday through Friday.

Approved refunds

Approved card-payment refunds are normally returned to the original payment method. The time required for the refund to appear is controlled in part by the payment provider, card network, and customer's financial institution.

Billing errors and disputes

If you believe a charge is incorrect, duplicated, unauthorized, or inconsistent with the agreed transaction, use the contact directory and select Billing / Refund / Dispute so the matter can be reviewed. Providing the transaction reference and a concise description of the issue will help Paragonative investigate it efficiently.

This policy does not limit rights that cannot legally be excluded or waived.

Investment transactions