Refund & Return Policy

1. General principle

Refund eligibility depends on the product type, delivery/activation status, contractual terms shown at purchase, applicable consumer law, and payment method rules. Many WTTM services are bespoke, time-bound, or digital in nature; therefore refunds are often limited after performance begins.

2. Card payments processed via Stripe

Where Stripe processed your card payment, refunds—when approved—are generally initiated back to Stripe and returned to the original payment method subject to issuer posting timelines. Partial refunds may be used where only part of an order is reversed.

Stripe’s ability to refund can depend on charge age, currency, dispute state, and network rules. WTTM cannot force an issuer to post credits on a particular schedule.

3. Visa and Mastercard chargebacks (issuer-led)

If you initiate a chargeback with your bank, the outcome is decided under Visa/Mastercard rules and issuer/acquirer processes. WTTM will respond with evidence where permitted.

Chargebacks must not be used as a substitute for ordinary cancellation where a valid contractual obligation exists; misuse may lead to account closure and recovery of costs where lawful.

4. Bank transfers involving Ipak Yuli Bank

If you paid via bank transfer to an account instructed by WTTM involving Ipak Yuli Bank, refunds—when approved—may be processed via bank transfer subject to verification, AML checks, correspondent banking timelines, and deduction of wire fees where permitted.

You must provide accurate banking details; WTTM is not liable for losses caused by incorrect customer-supplied IBAN/account data.

5. Typically refundable scenarios (non-binding examples)

Examples may include: duplicate charges caused by a verified technical error; failure to deliver a prepaid digital entitlement where no fault lies with the customer and no exclusion applies; cancellation by WTTM of an event product where the customer is not at fault; or other scenarios expressly stated in writing at purchase.

Examples are illustrative only; each case is assessed individually.

6. Typically non-refundable scenarios

Examples may include: services already activated, delivered, published, or used; advertising placements after publication; exhibitor packages after booth allocation deadlines; personalised creative work delivered; membership after access granted; fees for compliance reviews already performed; and third-party costs already incurred by WTTM on your behalf.

Non-refundable items will often be labelled at checkout.

7. Request procedure and evidence

Email [email protected] with: order ID; payer name; payment date; payment method; screenshots/receipts; and a clear explanation. We may request identity verification to prevent fraud.

Incomplete requests may be delayed or declined.

8. Processing timelines

Approved refunds are typically initiated within 7–14 business days, but settlement may take longer depending on banks, weekends, holidays, currency conversion, and network clearing.

Where approved, refunds are returned to the original payment method whenever technically possible for the payment rail used.

No interest accrues on refunded amounts unless mandatory law requires otherwise.

9. Currency and FX

If a refund is processed in a currency different from the original charge, FX differences may apply based on bank/Stripe rates at processing time. You accept that minor differences can occur.

10. Changes

WTTM may update this Policy. The version applicable to your purchase is generally the version in effect at the time of purchase, unless law requires applying updated consumer protections.

Uzbekistan Legal Entity (LLC UTTM)

Registered Address: 22-24 Small Ring Road, Yunusabad District, Tashkent, Uzbekistan

Bank: Ipak Yuli Bank, Mirzo Ulugbek Branch

MFO (Bank Code): 00421

OKED / Company Code: 07437461

TIN (INN): 312924418

Settlement Accounts:

UZS: 20208000307437461001

USD: 20208840607437461001

EUR: 20208978007437461001

Director: Ernest Akhmadulin (Akhmadulin Ernest Timurovich)