REFUND POLICY

1.

This Refund Policy ("Policy") explains how TOPME.COM Ltd ("TOPMe", "we", "us", or "our") processes refunds for donations made to projects on the platform at www.topme.org (the "Platform"). It sets out when a donation is eligible for a refund, how to submit a request, how approved refunds are processed, and how a project may be cancelled or removed.

2.

TOPMe lets donors contribute to fundraising projects created by verified angels for named service providers. A donation is a voluntary contribution, not a purchase of goods. Funds are disbursed by TOPMe to the service provider for an approved project.

3.

Donations are generally final once recorded against a project. A refund of the donation principal will be made in the circumstances set out below, after verification.

4.

Donations are processed by third-party payment processors. Refunds are initiated by TOPMe and completed by the processor, and are subject to the processor's terms. Submitting a request does not by itself guarantee approval if the circumstances below are not met.

5.

TOPMe will initiate or facilitate a refund of the donation principal where any of the following applies:

1. the donor was charged twice, or was charged an amount they did not authorise, and the claim is substantiated after verification;
2. payment was taken, but the donation was not recorded on the project, or the transaction was unsuccessful and the donor was still charged;
3. the project is cancelled, rejected, or removed by TOPMe before the donation is disbursed to the service provider;
4. an angel's request to delete a project that already has donations is approved by TOPMe before payout;
5. TOPMe determines that a project violates the Terms and Conditions and a refund is necessary to protect donors;
6. the donor disputes the transaction through the payment processor and the dispute is resolved in the donor's favour under the processor's chargeback or dispute procedures; or
7. a refund is required by applicable law or a court order. Angel Support donations follow the same rules.

6.

TOPMe will not refund a change of mind after a donation has been recorded, or because a project does not reach its target, unless the project is cancelled, rejected, or removed before disbursement. TOPMe will also not refund dissatisfaction with how a service provider used funds after a valid disbursement, unless TOPMe determines that the project breached the Terms and a refund is needed to protect donors. Once a refund cannot be processed, TOPMe will notify the donor and explain any available remedy.

7.

A donor seeking a refund should email contact@topme.org with their full name, the email address used for the donation, the transaction reference or payment identification number, the amount and currency, the name or identification of the project supported, the reason for the request, and any relevant supporting documents. TOPMe may request further information reasonably necessary to verify the transaction. Anonymous donors should use the email address that received the donation receipt.

8.

TOPMe aims to review each request within 5 business days and will consult the payment processor to verify the transaction. Approved refunds are returned only to the original payment method and will not be made to a different card, account, or channel. Approved refunds usually appear within 3 to 15 business days. The donor's bank or card issuer may take longer, and TOPMe does not control the final posting date.

9.

Processor fees and TOPMe's fulfilment fee are non-refundable. Refunds are made in the currency of the original charge. TOPMe does not compensate for foreign-exchange movement.

10.

If a donor believes a charge was unauthorised, they should contact TOPMe at contact@topme.org before opening a dispute with their bank. A chargeback is separate from a refund. Internal card chargebacks may incur a dispute fee and must be answered within the processor's deadline. If TOPMe will not issue a partial refund, the donation principal will be refunded in full, or the dispute will be answered with evidence.

11.

A project with no donations may be deleted by the angel and is archived. No refund arises unless a payment was taken in error. A project with donations may be removed only after TOPMe approves a deletion request. Donors are then notified and may request a refund under this Policy, provided disbursement has not yet been made. A rejected proposed project never goes live. No donation should be taken against it. Any payment taken in error is refunded under this Policy.

12.

TOPMe may update this Policy from time to time, subject to applicable law. The updated version will be published on the Platform with its effective date.

13.

Refund requests, privacy enquiries, and questions about this Policy should be sent to contact@topme.org or +234 816 005 130. TOPME.COM Ltd, Legal Unit, Suite A10, Hawthorn Suites, 2 Uke Street, Abuja, 900001, Nigeria. Platform: www.topme.org.