Refund policy

Refund Policy

Last Updated: October 7, 2025

Thank you for choosing igbobusinessmodel.com, operated by SPLENDOR MARKETING LIMITED (“we,” “our,” or “us”).

We value your trust and strive to provide high-quality digital products, services, and resources that meet or exceed your expectations. However, we understand that sometimes situations may arise where you may wish to request a refund.

This Refund Policy outlines the terms, conditions, and procedures governing all refund requests related to purchases made through https://igbobusinessmodel.com (the “Website”).

By purchasing any product or service from our website, you agree to the terms of this Refund Policy.

1. General Policy Overview

Our refund policy is designed to be fair, transparent, and compliant with Nigerian consumer protection regulations and international standards.

We provide refunds under limited and reasonable circumstances as detailed below. Because most of our offerings are digital goods, consulting, or educational services, refunds are typically approved only when a technical issue or service failure occurs on our part.

Please read this document carefully before making any purchase.

2. Eligibility for Refunds

You may be eligible for a refund under the following specific conditions:

a. Duplicate Payment

If you were accidentally charged twice for the same product or service due to a technical error, we will refund the duplicate charge after verification.

b. Service Not Delivered

If you paid for a service and we fail to deliver it within the agreed timeline (and you have provided all required information for us to fulfill your request), you are entitled to request a full or partial refund.

c. Product Not Accessible

If you purchased a digital product (e.g., course, ebook, or downloadable file) and did not receive access after successful payment, we will either restore access or issue a refund.

d. Technical Error on Our Side

If a technical fault on our platform prevented you from using or accessing a purchased service or content, we will issue a refund or credit, once the issue is confirmed.

e. Wrong Product Purchased (Accidental Purchase)

If you purchased the wrong product by mistake, please contact us immediately within 24 hours. Refund eligibility will be reviewed based on whether the product has been accessed, downloaded, or used.

3. Non-Refundable Items and Services

We generally do not provide refunds under the following circumstances:

  1. Change of Mind: Refunds will not be granted if you simply change your mind after purchase.
  2. Completed Services: If the service has been fully delivered or digital content accessed, downloaded, or consumed, it is non-refundable.
  3. User Negligence: If you fail to provide required information or materials necessary to complete a service.
  4. Promotional or Discounted Offers: Products purchased during a discount, sale, or limited-time offer are non-refundable unless otherwise stated.
  5. Third-Party Platforms: If the issue is caused by a third-party payment processor or affiliate site not controlled by us.
  6. Custom Work: Personalized, tailored, or consulting services that require individual effort, research, or development are non-refundable once work has begun.

4. Digital Products and Services

Because most of our offerings on igbobusinessmodel.com are digital and intangible (e.g., online courses, downloadable materials, digital consulting), all sales are final once access has been granted or the download initiated.

However, we will consider refunds on a case-by-case basis if there is a verified error, technical fault, or non-delivery from our side.

5. Refund Request Procedure

To request a refund, please follow these simple steps:

  1. Contact our Support Team via email at:
  2. Provide the following details:
    • Full name
    • Email used during purchase
    • Transaction or order ID
    • Product or service purchased
    • Date of purchase
    • Reason for refund request
  3. Verification Process:
    Once your request is received, our support team will:
    • Verify your transaction details.
    • Review the service or product delivery record.
    • Contact you for clarification (if needed).
  4. Decision and Response Time:
    Refund requests are typically reviewed and responded to within 5–10 business days.
    You will be notified via email whether your refund request has been approved or denied.

6. Approved Refunds

If your refund request is approved:

  • Refunds will be processed using the same payment method used for the original transaction (e.g., debit/credit card, bank transfer, Paystack, or Flutterwave).
  • Please allow 5–10 business days for the funds to appear in your account (depending on your bank or payment provider).
  • In some cases, we may offer store credit or service credit instead of a direct refund.

7. Late or Missing Refunds

If you have not received your refund after 10 business days:

  1. Check your bank account again.
  2. Contact your credit card company or payment provider (it may take some time before your refund is officially posted).
  3. If you’ve done all of the above and still haven’t received your refund, please contact us at:
    📧 info@igbobusinessmodel.com

We will help you verify and resolve the issue promptly.

8. Service Cancellations

If you wish to cancel a service before completion:

  • You must notify us in writing at least 24 hours before the scheduled start of service.
  • Cancellations made before any work has begun may be eligible for a partial refund (typically up to 80% of the payment).
  • Once work has started, refunds are not guaranteed and will depend on the stage of completion.

We reserve the right to charge a reasonable administrative fee to cover any processing or service costs incurred.

9. Payment Disputes and Chargebacks

We encourage customers to contact us directly to resolve any billing or service issues before initiating a chargeback through your bank or payment provider.

Unjustified or fraudulent chargebacks may result in:

  • Suspension of your account and access to services,
  • Legal action for recovery of losses, and/or
  • Reporting to payment processors or relevant authorities.

We handle all legitimate disputes promptly and fairly.

10. Third-Party Payment Processors

Payments on igbobusinessmodel.com are securely handled by trusted payment gateways (e.g., Paystack, Flutterwave, or other processors).

While we ensure compliance with international payment security standards (PCI-DSS), once a transaction is completed, refund requests must follow our internal verification process to prevent fraud or abuse.

We are not responsible for delays caused by third-party systems or banks but will assist in facilitating communication with them when necessary.

11. Subscription Services (If Applicable)

If we offer recurring subscription-based services in the future:

  • You can cancel your subscription at any time before the next billing cycle.
  • Refunds will not be issued for partially used subscription periods.
  • To cancel, send a request to info@igbobusinessmodel.com or visit your account settings (if available).

12. Modifications to This Policy

We may update or modify this Refund Policy at any time without prior notice to reflect changes in business practices, laws, or customer feedback.

When changes are made, the “Last Updated” date at the top of this page will be revised.

We recommend reviewing this page regularly to stay informed of any updates.

13. Contact Information

If you have any questions about this Refund Policy, your purchase, or any unresolved issue, please contact us via:

Or write to us at:
SPLENDOR MARKETING LIMITED
House 6 Umuabiakani Close, Shell Estate, Satellite Town, Lagos, Nigeria

14. Governing Law

This Refund Policy shall be governed by and interpreted in accordance with the laws of the Federal Republic of Nigeria.

Any disputes arising out of or related to this Policy shall be subject to the exclusive jurisdiction of the courts of Lagos, Nigeria.

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