At VALAR GLOBAL SERVICES LIMITED (“ValarPay”), we are committed to providing transparent, secure, and reliable financial technology services. This Refund Policy outlines how refund requests are handled for transactions carried out through the ValarPay platform.

Please read this policy carefully to understand the conditions under which refunds may be approved, processed, or declined.

1. Eligibility for Refunds

The following situations may qualify for a refund:

• Unauthorized Transactions: If you detect a transaction that you did not authorize, report it to us immediately. Upon investigation and confirmation, a refund or reversal will be processed based on regulatory guidelines.
• Failed or Reversed Transactions: If your account was debited but the transaction failed or the beneficiary did not receive value, a refund will be initiated automatically or upon confirmation from our partner financial institutions.
• Duplicate Transactions: If you are charged more than once for the same transaction, the excess charge will be refunded once verified.
• Service Errors: If an error occurs due to system, processing, or operational failure on ValarPay or our partners’ part, a refund will be issued after verification.
• Subscription Cancellations: Refunds for subscription services (where applicable) may be prorated or fully refunded based on the terms of the subscription.

2. Refund Request Process

Refund requests should be submitted within 24 hours of the transaction or immediately after the issue is discovered.

Please provide:

• Your full name and registered ValarPay account details
• Transaction ID, amount, and date
• A clear explanation of the issue
• Supporting evidence (if required)

Contact Support: support@valarpay.com or 02013309609.

Our support team will acknowledge receipt of your request within 24 hours and may request additional documentation during verification.

3. Non-Refundable Transactions

The following situations are not eligible for refunds:

• Transactions where value has already been delivered to the beneficiary
• Airtime, data, electricity tokens, gift cards, or bill payments already processed
• Refund requests made after the allowable dispute window
• Fees or charges clearly stated as non-refundable
• Situations where the issue is caused by the customer (e.g., wrong account number entry)

4. Processing Time

Approved refunds will be processed within 24 hours by ValarPay. However, depending on the payment channel, bank, biller, or partner institution:

• Refunds to bank accounts may take 1–3 business days
• Refunds to virtual accounts may reflect instantly or within 24 hours
• Card refunds may take 3–7 business days depending on card issuer policies

5. Fraud Prevention & Verification

To protect users and the platform, all refund requests undergo strict security and fraud checks. ValarPay reserves the right to:

• Deny refund requests that appear fraudulent
• Block or restrict accounts pending investigation
• Report confirmed fraud cases to regulatory and law enforcement authorities

6. Amendments to This Policy

We may update this Refund Policy anytime to reflect changes in regulatory requirements, partner institution policies, or operational needs. Updates will be communicated via the app, website, or email where applicable.

For further assistance, contact:
support@valarpay.com | 02013309609
Address: 23, OGAGIFO STREET, OFF DBS ROAD, BEFORE GQ SUITES, ASABA, DELTA STATE.