Refund
Policy

This Refund Policy explains when and how LA BANDA NEGRA SL ("LA BANDA NEGRA SL," "we," "our," or "us") issues refunds and processes cancellations for the subscription and platform fees we charge for access to our digital trade infrastructure. It forms part of, and should be read together with, our Terms of Service. It does not cover funds that are collected or paid out on behalf of your own end customers; those transactions are governed by your agreement with our regulated payment partner and the rules of the relevant payment networks.

Subscription and platform fees are billed in advance for the billing period you select. If you are not satisfied with the Services, you may request a full refund of your most recent subscription or platform fee within fourteen (14) days of the charge, provided that the Services have not been materially used during that period. Refund requests made after this window are reviewed on a case-by-case basis at our discretion.

To request a refund, email us at [email protected] from the address associated with your account, and include your account name, the invoice or transaction reference, the date of the charge, and the reason for your request. We will acknowledge your request within five (5) business days and aim to make a decision within ten (10) business days of receiving the information we need. Approved refunds are returned to the original payment method used for the charge.

You may cancel your subscription at any time from your account settings or by contacting us. Cancellations take effect at the end of the current billing period, and you will retain access to the Services until that date. Cancelling stops future charges; it does not by itself generate a refund for a period that has already been billed, except where a refund is available under Section 2. We may also cancel or suspend an account in line with the termination provisions of our Terms of Service.

Refunds are generally not available for: (a) fees for a billing period that has already elapsed and during which the Services were used; (b) charges for add-on services, custom integration work, or onboarding that have already been delivered; (c) third-party costs, network fees, or currency conversion charges imposed by our regulated payment partner or by payment networks, which are outside our control; and (d) amounts that have already been paid out to you or to your counterparties. Nothing in this Policy limits any refund or cancellation right you may have under applicable consumer protection law.

Once a refund is approved, we initiate it within five (5) business days. The time it takes for the funds to appear depends on the payment method and your bank, and is typically five to ten (5–10) business days. Refunds are issued in the same currency and to the same payment method as the original charge; where this is not possible, we will agree an alternative with you. We do not charge a fee for processing an approved refund.

We may update this Refund Policy from time to time to reflect changes in our Services or applicable law. When we make material changes, we will update the "Last Updated" date above and, where appropriate, provide notice through the Services or by email. The version in effect at the time of your charge governs that charge. If you do not agree with an update, you may cancel your subscription as described in Section 4.