Refund Policy

Camag Technologies' Refund Policy outlines eligibility and usage rules for our products and services.

Refund Policy for Camag Technologies

Effective Date: August 9, 2025

Company: Camag Technologies
Business Type: Software and Digital Solutions Company
Address: CAMAG Building, Block XV, Plot 2, Laro-Timehin Scheme, Osogbo, Osun State, Nigeria
Contact: admin@camagtech.com, client_support@camagtech.com | +234 703 388 1581 | +234 703 025 4625
Website: www.camagtech.com

1. Introduction

Camag Technologies is a Nigerian technology company focused on solving real-world problems with software, automation, and digital infrastructure. This Refund Policy applies to all products, services, subscriptions, and engagements, including:

  • CoopTran: Financial automation for cooperative societies
  • Vendora: WhatsApp-powered digital commerce builder
  • Custom enterprise software development
  • Automation tools for financial and operational efficiency

This policy governs all business-to-business (B2B), business-to-consumer (B2C), and enterprise engagements.

2. General Policy on Fees and Refunds

Camag delivers paid solutions only, with no free tiers unless offered under limited-time promotions. All services are prepaid and subject to the following refund policies.

2.1 Non-Refundable Products and Services

The following are non-refundable:

  • Subscription fees for SaaS products (e.g., CoopTran, Vendora)
  • Setup fees for enterprise solutions
  • Payments for completed development sprints
  • Consultancy or onboarding services
  • Custom integrations or third-party API work
  • One-time license fees or lifetime deals

2.2 Refund Eligibility

Refunds may be considered only under these conditions:

  • Service Downtime: A major disruption in core services caused solely by Camag, lasting over 72 hours.
  • Billing Errors: Double charges, incorrect plan activation, or payment processing errors.
  • Failure to Deliver: Inability to deliver a promised feature or product after payment, where no usable output was provided.

2.3 Refund Timeline

Refund requests must be submitted within 7 calendar days of the billing date. Requests after this period will not be considered.

3. Refund Procedure

To request a refund, submit a formal request to admin@camagtech.com with:

  • Your name or company name
  • Registered email address
  • Transaction ID
  • Date and amount paid
  • Detailed reason for the refund request

Camag will acknowledge receipt within 3 working days and communicate a decision within 10–14 working days. Approved refunds will be issued to the original payment method only.

4. No Guarantee of Outcome

Camag reserves the right to approve or deny refund requests at its sole discretion. Refunds are not guaranteed, particularly for services already delivered or misused.

5. Usage Rules

By using our services, you agree to the following rules, in compliance with the Nigeria Data Protection Regulation (NDPR):

5.1 Authorized Use

You must use our services for lawful, authorized business purposes only. Prohibited actions include:

  • Engaging in money laundering, fraud, scams, or pyramid schemes
  • Impersonating others or submitting false company documents
  • Circumventing platform restrictions or hacking systems
  • Using platforms to harass or spam customers

Violations may result in account termination without refund and potential legal action.

5.2 Custom Software Deliverables

For custom solutions or enterprise deployments:

  • Deliverables remain Camag’s intellectual property unless agreed otherwise in writing.
  • Partial delivery is non-refundable.
  • Source code or deployment materials are provided only after full payment.

6. Termination of Services

Camag may suspend or terminate services for:

  • Fraudulent behavior
  • Violation of legal regulations
  • Non-payment of subscribed services
  • Harm to Camag’s brand, customers, or infrastructure

No refunds will be granted for terminations due to user misconduct.

7. Service Interruptions and Compensation

For unplanned downtime exceeding 72 hours, affected users may receive non-cashable, non-transferable account credits for future use.

8. Third-Party Tools and Platforms

Camag integrates with third-party services (e.g., Flutterwave, WhatsApp, Twilio), governed by their own terms. Camag is not liable for issues caused by these providers, and no refunds will be issued for third-party failures.

9. Changes to Pricing or Plans

Camag may modify pricing, features, or plans with at least 15 days’ notice to existing users via email or website notifications.

10. Dispute Resolution

Disputes regarding billing, service delivery, or refunds will be resolved via:

  • Informal resolution at admin@camagtech.com
  • Arbitration under Nigerian law if unresolved within 30 days
  • Courts in Osogbo, Osun State, Nigeria

11. Updates to this Policy

This Refund Policy may be updated, with the latest version posted at www.camagtech.com/refund-policy. Continued use of our services constitutes acceptance of updates.

12. Contact Information

For questions or concerns, contact: