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Last updated: [effective date]

This Refund & Cancellation Policy applies to all service packages and add-ons purchased from [Company Legal Name] (trading as “Ruwa Advisory”, “we”, “us” or “our”). It forms part of our Terms & Conditions. Because our services are advisory and delivered as one-time packages, please read this policy carefully before purchasing.

1. Before work begins

If you have not yet started your consultation and have not booked your first session, you may request a full refund within 14 days of your purchase. We will refund the full amount paid, including VAT, to your original payment method.

2. After your service has started

Once your consultation or session has begun, or a deliverable has been produced, the portion of the service that has been consumed is non-refundable. Any unused add-ons that have not yet been started or delivered remain refundable on request.

3. No-shows and late cancellation of booked sessions

  • If you fail to attend a booked Calendly session (a “no-show”), or cancel with less than 24 hours’ notice, that session is forfeited.
  • You are entitled to one free reschedule, provided you give us at least 24 hours’ notice before the scheduled session.

4. Buy now, pay later (Tabby) purchases

Where you paid using Tabby, any approved refund is processed back through Tabby in accordance with Tabby’s merchant terms. The timing and method of the refund and any adjustment to your instalment plan are subject to Tabby’s processes.

5. How to request a refund

To request a refund or cancellation, email us at [contact email] with your order number and the reason for your request. We aim to review and resolve all refund requests within 7 business days.

6. How refunds are issued

Approved refunds are returned to your original payment method:

  • Card / Apple Pay (Stripe): refunded to the original card; full or partial refunds are supported, including per add-on line item.
  • Tabby: refunded through Tabby as described in section 4.

Once a refund is issued by us, the time for the funds to appear in your account depends on your bank or payment provider.

7. Your statutory rights

Nothing in this policy limits any non-waivable rights you may have under applicable UAE consumer-protection law. This policy is intended to operate alongside, and not in place of, those rights.

8. Contact us

For any questions about refunds or cancellations, contact:

  • [Company Legal Name]
  • [Registered Address], United Arab Emirates
  • Email: [contact email]