This policy explains how cancellations and refunds work for purchases made from Vertex-Ola International Resources Limited ("Vertex Ola", "we", "us", or "our"). It applies to digital products and subscriptions bought directly through our Services. Purchases made through the Apple App Store or Google Play are also subject to those stores' own refund policies.
1. Digital products and subscriptions
Our products are digital. Because access is granted immediately after payment, purchases are generally non-refundable once the product or subscription period has been accessed, except where required by law or where this policy provides otherwise.
2. Free trials
Where a product offers a free trial, you will not be charged during the trial period. If you do not cancel before the trial ends, the subscription begins and the fee for the first billing period is charged. You can cancel at any time during the trial to avoid being charged.
3. Cancelling a subscription
You can cancel a subscription at any time. When you cancel, you keep access to the paid features until the end of the current billing period, and you will not be charged again after that. To cancel:
- for subscriptions bought directly from us, use the account or billing settings inside the product, or email hello@vertex.ng;
- for subscriptions bought through the Apple App Store or Google Play, manage or cancel them in your Apple or Google account settings, as those stores handle the billing.
Cancelling stops future renewals. It does not, by itself, refund a charge that has already been made.
4. When we do issue refunds
We will consider a refund in cases such as:
- a duplicate charge, or a charge made in error;
- a technical fault on our side that prevents you from using a product you paid for and that we are unable to resolve within a reasonable time;
- where a refund is required under applicable Nigerian consumer law.
Refunds are made to the original payment method through our payment provider, Paystack. Once approved, refunds are typically processed within 5 to 10 business days, though the time for the funds to appear depends on your bank or card issuer.
5. How to request a refund
To request a refund, email hello@vertex.ng within 14 days of the charge. Please include the account email used, the product name, the transaction reference or receipt, and a short description of the issue. We aim to review refund requests within 5 business days and will let you know the outcome by email.
6. Chargebacks
If you believe a charge is wrong, please contact us first so we can put it right. Raising a chargeback with your bank before contacting us can delay a resolution and may lead to suspension of the affected account while the dispute is reviewed.
7. Changes to this policy
We may update this policy from time to time. When we make material changes, we will update the date above. The policy in effect at the time of your purchase applies to that purchase.
8. Contact us
For any question about cancellations or refunds, contact hello@vertex.ng or write to us at Flat No. 2, Kola Akintola Close, Iyana-Eyinni, Orita-Challenge, Ibadan, Oyo State, Nigeria.