1. Payment Processing
All transactions executed on our systems are secured by leading PCI-compliant processing networks. TOS ("we", "us", or "our") uses encrypted pipelines to guarantee maximum transfer confidentiality.
2. General Refund Policy
Our financial policies maintain balanced protection. The core structure is defined below:
- Processing SpeedRefund execution finishes in 7-10 banking business days.
- Issuer GatewayMonies are returned strictly to your original payment mechanism.
- Service BoundsDigital systems and custom code operate under isolated parameters.
- Non-refundable FeesThird-party payment gateways processing surcharges are retained.
3. Refund Eligibility
Potentially Eligible
- Uncompleted deliverable target parameters.
- Validated duplicate or unauthorized billing incidents.
- Cooling-off cancellation requests prior to kickoff.
- Systemic bugs blocking core platform activation.
Non-refundable Situations
- Change of strategic direction following code kickoff.
- User-side server or infrastructure integration slips.
- Milestones already finalized and signed off by leads.
- Consultancy packages and active resource hours.
4. Custom Development
Because custom software represents intensive developer allocation:
- All milestone payments are final upon delivery of the associated source code.
- Refund requests on prepaid packages must be logged within twenty-four (24) hours of execution.
- Any technical defects discovered are prioritized for hotfixes rather than financial refunds.
5. Submission & Resolution
To submit an official refund query:
- To submit refund queries, send an email to info@tos.systems with transaction details.
- Our financial desk will inspect the parameters and deliver a formal response within three (3) business days.
- If verified, the transaction is logged to the payment system for immediate return processing.
6. Chargeback Procedures
We seek direct cooperation. Initiating chargebacks or bank disputes without consulting our billing desk triggers immediate account suspension, code delivery holds, and formal representation of active delivery artifacts to your card network.
7. Financial Desk Contact
Address all invoice, budget, or refund-related correspondence directly to our payment operations lead: