Refund Policy

Vidari Group Holding Company

Purpose of This Policy

This Refund Policy outlines the governance framework under which refund, dispute, and chargeback processes are established and supervised across the Vidari Group ecosystem.

Vidari Group Holding Company do not directly process customer payments or refunds, but provide oversight to ensure that all Vidari platforms operate in compliance with applicable laws, payment processor requirements, and internal risk controls.

Scope of Oversight

This policy applies at the group level and governs how refund and dispute frameworks are designed and enforced across Vidari-owned platforms, including but not limited to:

  • Vidaripay
  • VidariOKP
  • Learn2Apply
  • Other current or future Vidari platforms

Each platform maintains its own operational refund policy, which must align with this governance framework.

Platform-Level Responsibility

Refund requests, customer communications, vendor disputes, and subscription cancellations are handled directly by the respective platform where the transaction occurred.

The Holding Company does not act as a customer support channel and does not accept direct refund requests from end users.

Compliance & Regulatory Alignment

Vidari Group Holding Company ensures that all subsidiary platforms:

  • Comply with applicable consumer protection laws
  • Follow payment processor rules (including Stripe, PayPal, and other authorized partners)
  • Maintain transparent refund disclosures
  • Apply fraud prevention and abuse monitoring controls

Refund practices are reviewed periodically as part of internal compliance and risk assessments.

Payment Processors & Fees

Payments processed through third-party payment processors are subject to the terms, timelines, and fee structures of those providers.

Where applicable:

  • Processing fees charged by payment partners may be non-refundable
  • Chargebacks and disputes may incur additional fees set by the processor
  • Resolution timelines are governed by the payment partner's policies

Each platform discloses these details within its own refund documentation.

Fraud, Abuse, and Risk Management

The Holding Company reserves the right to support platform-level decisions to deny refunds where there is evidence of:

  • Fraudulent activity
  • Abuse of refund systems
  • Violation of platform terms
  • Regulatory or legal restrictions

All such decisions are made in alignment with applicable laws and internal risk policies.

Final Authority & Governance

Vidari Group Holding Company retains governance authority to:

  • Approve refund frameworks used by Vidari platforms
  • Require corrective actions where policies are not followed
  • Support enforcement of compliance-related refund decisions

Operational refund approvals remain the responsibility of the platform managing the transaction.

Policy Updates

This policy may be updated periodically to reflect changes in:

  • Regulatory requirements
  • Payment processor rules
  • Internal compliance standards

Updates take effect upon publication on the Vidari Group website.

Contact (Governance Only)

For governance, compliance, or regulatory inquiries only, please contact:

compliance@vidarigroup.com

Customer refund requests should be directed to the relevant platform where the transaction occurred.