Effective date: May 2026
Refund Policy
This policy explains when subscription refunds may be available and how users can request billing support.
Legal entity: SME MoneyBook. Business location: Lagos, Nigeria. Jurisdiction: Federal Republic of Nigeria.
1. Overview
SME MoneyBook aims to handle billing issues fairly while keeping subscription access clear and predictable.
2. Eligible Refunds
- Duplicate charges.
- Billing errors.
- Failed subscription activation after successful payment.
- Verified unauthorized charges.
3. Non-Refundable Cases
- Completed billing cycles.
- Unused subscription periods after access was provided.
- Cancellation after renewal.
- User error, unless a refund is required by law.
4. Refund Request Process
Contact billing@smemoneybook.com with your account email, payment reference, and reason for the request.
5. Processing Time
Refund timing depends on the payment processor, card network, bank, or mobile payment provider involved.
6. Chargebacks
Please contact support before starting a chargeback so we can investigate and resolve the issue quickly.