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Refund Policy

Version 0.1.0Last updated: Jun 2, 2026

Overview

This starter Refund Policy describes placeholder rules for refunds, reversals and cancelled payment flows in ForgePay.

Legal review required

This is a starter template and must be reviewed by a qualified lawyer before commercial launch.

Company data

Editable placeholders for the final company, owner and contact details.

Company legal name: [COMPANY_LEGAL_NAME]
Company address: [COMPANY_ADDRESS]
Registration number: [COMPANY_REGISTRATION_NUMBER]
VAT ID: [VAT_ID]
Owner: [OWNER_NAME]
Contact email: [CONTACT_EMAIL]
Support email: [SUPPORT_EMAIL]
Data protection contact: [DPO_EMAIL]
Jurisdiction: [JURISDICTION]
Payment provider: [PAYMENT_PROVIDER]

ForgePay is not a bank.
ForgeCredit is not money issued by a government or central bank.
ForgeCredit is not a savings product.
ForgeCredit does not create ownership, yield or repayment rights.
Ordinary users cannot withdraw FGC to EUR.
Bonus FGC is non-transferable.
Transferable FGC may be sent between users subject to limits and fees.
The user-to-user transfer fee is 0.02%.
Sellers are settled according to Seller Terms.
External merchant API usage is governed by API Terms.

This page is starter content for drafting and product planning only. It must be reviewed and adapted by a qualified lawyer before commercial launch.

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Refund Policy

Version 0.1.0. Starter text for review and editing. Last updated: Jun 2, 2026.

This is a starter template and must be reviewed by a qualified lawyer before commercial launch.

This starter Refund Policy describes placeholder rules for refunds, reversals and cancelled payment flows in ForgePay.

Editable placeholder variables

[COMPANY_LEGAL_NAME]
[COMPANY_ADDRESS]
[COMPANY_REGISTRATION_NUMBER]
[VAT_ID]
[OWNER_NAME]
[CONTACT_EMAIL]
[SUPPORT_EMAIL]
[DPO_EMAIL]
[JURISDICTION]
[PAYMENT_PROVIDER]
[LAST_UPDATED_DATE]

Core ForgePay statements

ForgePay is not a bank.
ForgeCredit is not money issued by a government or central bank.
ForgeCredit is not a savings product.
ForgeCredit does not create ownership, yield or repayment rights.
Ordinary users cannot withdraw FGC to EUR.
Bonus FGC is non-transferable.
Transferable FGC may be sent between users subject to limits and fees.
The user-to-user transfer fee is 0.02%.
Sellers are settled according to Seller Terms.
External merchant API usage is governed by API Terms.

Marketplace refunds

Marketplace refund handling should consider order status, delivery evidence, complaints, seller response and whether seller settlement has been released.

Merchant refunds

External merchant refunds may be requested through the API in test mode. Final rules should define merchant responsibilities, timelines and webhook notifications.

FGC balance effects

Refunds should be recorded through ledger entries and may return FGC to the appropriate bucket according to the original payment policy.

No ordinary EUR withdrawal

Refunds to ordinary users should not be described as EUR withdrawals unless a future regulated provider and final legal review allow that flow.

No final legal advice

This page is starter content for drafting and product planning only. It must be reviewed and adapted by a qualified lawyer before commercial launch.