Refund Policy

Payment Processing

All payments are processed securely through our payment gateway partners. TOS ("we", "us", or "our") uses PCI-compliant payment processors for all transactions.

General Refund Policy

• Refunds are processed within 7-10 business days after approval
• Refunds will be issued to the original payment method
• Digital products/services may have different refund conditions (see below)
• Processing fees (if any) are non-refundable

Refund Eligibility

You may be eligible for a refund if:

• The service wasn't delivered as described
• There was an unauthorized transaction
• You cancel within the cooling-off period (if applicable)
• Technical issues prevent service delivery

Refunds are not provided for:

• Change of mind after service delivery
• Failure to use the service due to user-side technical issues
• Services explicitly marked "non-refundable"

Digital Products/Services

For digital products or downloadable content:

• Refund requests must be made within 24 hours of purchase
• No refunds after download or access has been provided
• Technical issues will be resolved before considering refunds

Refund Processing

Important processing information:

• Refunds are processed through our payment systems
• Bank processing times may affect when funds appear in your account
• International transactions may incur currency conversion fees
• We cannot expedite bank processing times

Requesting a Refund

To request a refund:

1. Email us at info@tos.systems with:
   • Your transaction ID
   • Reason for refund
   • Proof of payment (screenshot)
2. We'll respond within 3 business days
3. If approved, we'll initiate the refund process

Disputes & Chargebacks

If you dispute a charge with your bank without first contacting us:

• Your account may be suspended during investigation
• We reserve the right to challenge unjustified chargebacks
• Additional evidence may be required from both parties

Please contact us first to resolve any issues - we're happy to help!

Contact Us

For refund-related questions:
info@tos.systems
Include "Refund Request" in your subject line.