Return & Refund Policy

This policy applies to payments made directly to Sebastian Alliance Group LLC ("SAG") through the SAG Payment Center, corporate invoices, subscription products and professional services fees.

For payments made to a merchant, portfolio company or third-party service that uses SAG technology to accept payment (for example Caribbean Payments Alliance merchants, hotels using CloudSync Pro, or clients using APC Estate Flow), refunds are handled by that merchant under their own return and refund policy. SAG supports the merchant in processing an approved refund through the underlying processor.

Unless a different period is stated on the specific product page, invoice or written agreement:

• One-off services and setup fees — you may request a full refund within seven (7) calendar days of payment, provided work has not yet started.
• Subscriptions and recurring plans — you may cancel at any time. The current billing period is non-refundable after it has begun; you will not be charged for future periods once cancelled.
• Custom development, migrations and consulting — refundable pro-rata for work not yet delivered, less any non-recoverable third-party costs already incurred (for example domain registrations, licensed software, or bank onboarding fees).
• Digital goods and licences already delivered (for example a delivered software plugin key, a purchased template, or a paid report) — non-refundable once the licence has been issued to you, except where required by law.

To request a refund, email ecommerce@sebasalliance.net from the address used at checkout and include:

• The invoice number or Payment Center reference / session ID.
• The date and amount of the payment.
• The last four digits of the card used (if paid by card).
• A brief description of the reason for the refund.

We aim to acknowledge every request within one (1) business day. Approved refunds are typically issued within five (5) business days to the original payment method. Depending on your card issuer or bank, the credit may take a further 3–10 business days to appear on your statement.

You may cancel any active subscription from your merchant or admin dashboard or by emailing our support address above. If you cancel before the next renewal date, no further charges will be made. Amounts already billed for the current period are not refunded except where required by law.

If you believe you have been charged twice for the same invoice, or in an incorrect amount, please contact us within sixty (60) days of the charge. We will investigate and, if confirmed, refund the duplicate or excess amount to the original payment method.

If you do not recognise a charge or disagree with an amount, please contact us first — most issues are resolved faster directly than through a bank chargeback. Where a chargeback is filed, SAG cooperates fully with the acquiring bank and card networks, and may submit transaction, device, KYC and verification evidence to defend legitimate charges. Fraudulent or bad-faith chargebacks may result in the account being suspended, collection of the disputed amount, and legal action where appropriate.

The following are not refundable:

• Third-party fees already paid on your behalf (for example bank underwriting, government filing fees, domain registrations, courier costs).
• Delivered digital goods, issued licence keys and completed custom development milestones that were accepted in writing.
• Investor Portal access fees or investor due-diligence packs after materials have been unlocked or downloaded.
• Time-based services (consulting, engineering) already performed.

We may update this policy from time to time; the version in effect at the time of your payment applies to that payment. Material changes will be posted on this page with an updated "Last updated" date.