Refund Policy

If a Wise or Payoneer account has been successfully set up by Circuitlabz NV and has been fully operational for a period exceeding six (6) months from the date of delivery, no refund will be issued under any circumstances.

A successfully set-up account is defined as an account that has passed all verification steps, has been delivered to the client with full access credentials, and was confirmed operational by both parties at the time of delivery.

Circuitlabz NV acts solely as a consultant and facilitator in the account setup process. We are not responsible for, and will not issue refunds resulting from, any account restriction, suspension, limitation, or closure caused by:

• Violation of Wise's Terms of Service by the account holder
• Violation of Payoneer's Terms of Service by the account holder
• Providing false, misleading, or incomplete information during or after the account setup process
• Activities deemed suspicious, fraudulent, or non-compliant by Wise or Payoneer
• Changes to Wise or Payoneer's platform policies or eligibility requirements after account setup
• Actions taken by the client that cause the account to be flagged or reviewed by Wise or Payoneer

By engaging our services, the client acknowledges full responsibility for maintaining compliance with Wise and Payoneer's terms, policies, and guidelines at all times.

All refund requests are reviewed on a case-by-case basis. Refunds may be considered under the following limited circumstances:

• The account setup was not completed due to an error on the part of Circuitlabz NV
• The account was rejected by Wise or Payoneer through no fault of the client and within 6 months of setup
• A documented technical failure attributable exclusively to Circuitlabz NV's process

Approved refunds, where applicable, may be partial and will reflect the portion of work not completed. Circuitlabz NV reserves the right to make the final determination on all refund requests.

To request a refund review, contact us in writing with the following information:

• Full name and order/case reference number
• Date of service delivery
• Detailed reason for the refund request
• Supporting documentation (screenshots, emails, correspondence with Wise/Payoneer)

Circuitlabz NV is an independent consulting service and is not affiliated with, endorsed by, or officially partnered with Wise, Payoneer, or any other financial institution. Our liability is limited strictly to the service fee paid for the specific service in question. We are not liable for any indirect, consequential, or incidental losses arising from the use or inability to use the accounts we assist in setting up.

Circuitlabz NV reserves the right to update or modify this Refund Policy at any time without prior notice. The policy in effect at the time of service purchase applies to that transaction. Continued use of our services constitutes acceptance of the current policy.