Refund & Cancellation Policy

011. Legal basis

This policy is based on the E-Commerce Law issued by Royal Decree No. (M/126) dated 7/11/1440H and its Implementing Regulations — specifically the cases in which the consumer may not rescind the contract, set out in paragraph (2) of Article Thirteen of the Law and Article Eleven of the Implementing Regulations.

These cases include services whose execution has begun with the consumer's consent, and services performed or prepared to the consumer's own specifications.

022. Nature of our services

All of our deliverables — feasibility studies, financial models, business plans, strategies and operating manuals — are prepared specifically for the client's data, activity and market, and cannot be resold or reused for another client.

Execution effectively begins the moment the scope of work is approved, the first payment is settled and the core data is received. At that point team resources and time are allocated to your project.

033. Cases where cancellation or refund is permitted

• Cancellation before execution begins: if you request cancellation in writing before actual work starts, all amounts paid are refunded within a maximum of fourteen business days by the same payment method.
• Duplicate charge or incorrect amount: the difference is refunded in full immediately upon verification.
• Our inability to perform: if we are unable to deliver the service for a reason attributable to us, all amounts paid for the unperformed portion are refunded.
• Material breach: if the deliverables agreed in the scope of work are not delivered, you may request correction within fifteen days of delivery; if correction is not possible, the value of the undelivered output is refunded.

044. Cases where no refund applies

• After execution has begun with your consent, even if not all deliverables are complete; in that case work actually performed is accounted for.
• Where the study's conclusion does not match your expectations or wishes (for example, a recommendation not to invest); a negative recommendation is a valid and complete output of the service.
• Where a funding or government entity rejects the file for reasons relating to that entity's criteria or to client data — while we remain committed to accompanying you through clarification and adjustment within scope.
• Where work cannot be completed because the client delays providing data or stops responding for more than thirty days.
• Services delivered in full and approved by the client.

055. Scope amendment instead of cancellation

If your project circumstances change after execution has begun, we prefer amending the scope of work to cancelling: the paid balance may be transferred to another service within our packages for up to six months from the date of suspension, after deducting the value of work already performed.

066. How to submit a request

• Send a written request to our email address stating the proposal or contract number and the reason.
• We acknowledge receipt within two business days.
• The case is reviewed and a decision issued within seven business days of documentation being complete.
• Where a refund is approved, it is processed within a maximum of fourteen business days by the same payment method.

077. Tax and fees

Value Added Tax is refunded together with the refunded amount in accordance with the tax regulations in force in the Kingdom. Bank transfer or payment gateway fees, where applicable, are deducted from the refunded amount.

088. Complaints

If you are not satisfied with the decision, you may escalate the complaint to us in writing for management-level review, and you retain the right to approach the competent authorities in the Kingdom of Saudi Arabia under the applicable regulations.