Refund policy.

This policy applies to all payments made to PortX Technologies Ltd. through this website or through invoices issued by the studio, including payments processed via Paystack or any other regulated payment processor.

Engagement fees are paid against milestones set out in the statement of work. The following principles apply:

• Discovery and pilot deposits are refundable in full if requested in writing within seven (7) days of payment and before any work has commenced.
• Milestone payments become non-refundable once the corresponding milestone has been delivered and accepted by the client, or once the client has materially used the deliverable.
• Work in progress may be partially refunded on a pro-rata basis where an engagement is terminated under our cancellation policy, calculated against time spent and costs incurred up to termination.

Where a PortX product is sold on a subscription, fees are billed in advance for the chosen period.

• Monthly subscriptions are non-refundable for the current billing period. You may cancel at any time to prevent renewal.
• Annual subscriptions are refundable on a pro-rata basis for unused full months, less any discount that was conditional on the annual term and any payment-processor fees.
• One-off product purchases are refundable within fourteen (14) days of purchase if the product has not been substantially used and the issue cannot be remedied through support.

We do not issue refunds in the following cases:

• the deliverable has been accepted, signed off, or materially used;
• the client has breached the terms of the engagement, including non-payment, repeated scope changes outside the agreed change-control process, or failure to provide access required for delivery;
• delays or failures arise from factors outside our reasonable control, including third-party platform outages, regulatory intervention, or force majeure;
• a request is made more than thirty (30) days after the payment in question, unless a longer period is required by law.

To request a refund, send an email to info@portxtechnologies.com with the subject line "Refund Request" and include:

• your full name and the organisation associated with the payment;
• the date and amount of the payment;
• the transaction reference issued by Paystack or your bank;
• a brief description of the reason for the request.

We acknowledge refund requests within two (2) working days and aim to resolve them within ten (10) working days of receiving all required information. Once approved, refunds are issued via the original payment method. Final settlement in your account may take an additional 5–14 working days depending on your bank and Paystack's processing windows.

If you are not satisfied with the outcome of a refund request, please reply to our decision email setting out, in writing, why you believe the matter should be reconsidered. We will escalate the matter internally and respond within ten (10) working days. If the dispute remains unresolved, either party may pursue the remedies available under the agreement and applicable law.

Nothing in this policy limits any non-waivable rights you may have under the Federal Competition and Consumer Protection Act, the Nigeria Data Protection Act 2023, or any other applicable law.

For all refund queries, contact info@portxtechnologies.com.