Legal agreement | Universal Fortunik Group®

We Universal Fortunik Group ® are committed to providing our customers with high quality online banking services. If you are not completely satisfied with our services, we will be happy to inform you about our refund and return policy.

1. Refunds:

• Online banking fees, such as membership fees or monthly fees, are generally non-refundable.
• In case of double payment or incorrect payment, please contact us immediately to request a refund. We will consider each refund request on a case-by-case basis.

2. Account closure:

• If you would like to cancel your online banking account, please contact us for specific instructions on the cancellation process.
• Please note that cancellation fees may apply.

3. Returns:

• Since online banking services are not physical products, there is no right of return for the services provided.
• If you have any technical issues or concerns about our Services, please contact us for appropriate assistance.

4. Responsibility:

• The responsibility of Universal Fortunik Group ® is limited to the services provided in accordance with our General Terms of Use and specific contractual agreements.
• Universal Fortunik Group ® cannot be held responsible for any financial losses incurred by customers due to misuse of their accounts or other fraudulent activities.

5. Policy Changes:

• We reserve the right to change these refund and return policies at any time. Changes will be posted on our website and will be effective immediately upon posting.