Refund Policy

1. General position

Due to the nature of financial transactions, deposits, funding requests and exchange services, completed transactions are generally non-refundable. Once a request has been executed with a broker, banking partner or counterparty, the underlying value has already been transferred and cannot be reversed by INSTASWICH LIMITED.

2. Requesting a review

If you believe a transaction was processed in error, contact us within 7 days at support@instaswich.com with your full name, transaction reference, trading account number, amount and payment evidence. Each case is investigated individually.

3. Processing time for approved refunds

Where a refund is approved after investigation, processing may take up to 120 working days depending on the payment provider, banking institutions and compliance review. Refunds are returned to the original payment method and in the original currency where possible; exchange rate movements between the original transaction and the refund date are borne by the customer.

4. Subscriptions

Subscription fees are charged in advance for the period selected. You can cancel at any time to stop future renewals; access continues until the end of the paid period. Part-used periods are not refunded, and we do not refund a subscription on the basis of trading results, since results depend on your own execution and risk decisions.

5. Education programmes

Course fees are refundable only where you request cancellation before the programme begins and before any material, recording or mentoring session has been accessed. Once access is granted the fee is non-refundable. Where we cancel a programme outright and cannot reschedule it, we refund the unused portion in full.

6. Duplicate and failed transactions

Genuine duplicate charges and payments that did not deliver the purchased service are corrected in full once verified with the payment provider. Report them within 7 days with the transaction reference so we can trace the payment quickly.

7. Non-refundable items

Processing fees, exchange service margins, completed OTC cryptocurrency trades, funds already credited to a broker account, and education or subscription services that have already been accessed are non-refundable. Losses arising from market movement, slippage, broker execution or your own trading decisions are never refundable.

8. How an approved refund is paid

• Refunds are issued to the original payment method and payer only.
• Refunds are made in the original currency where possible; conversion differences are borne by the customer.
• Third-party bank, card or gateway charges already incurred are deducted from the refunded amount.
• We do not pay refunds in cash or to a wallet or account belonging to someone else.

9. Chargebacks

Initiating a chargeback without first contacting our support desk may result in suspension of services while the dispute is investigated with the payment provider. We supply providers with full evidence of delivery, and fraudulent chargebacks may be referred for recovery.

10. Escalation

If you disagree with a refund decision, reply to the case reference and ask for a management review. We acknowledge escalations within 3 working days and respond substantively within 15 working days, in line with the complaints process in our Terms & Conditions.

11. Contact

Questions about this policy: support@instaswich.com · +234 201 330 6182.