At Markets Mosaic Ltd, we strive to provide high-quality Market Research and Competitor Analysis services to our clients. If you are not satisfied with your purchase, this Refund Policy outlines the terms and conditions under which refunds may be granted.

By using our services, you agree to the terms of this Refund Policy.

1. Eligibility for Refunds

Refunds may be considered under the following circumstances:

• You have purchased a service but have not yet received any deliverables.
• The service provided does not match the description or agreed-upon scope.
• A technical issue on our end has prevented service completion.
• Your request is made within the valid refund period.

We do not issue refunds for:

• Change of mind after service initiation.
• Completed services where the deliverables have been provided.
• Failure to provide necessary information required for service completion.
• Force Majeure events (e.g., natural disasters, war, or unforeseen technical failures).

2. Refund Request Process

To request a refund, follow these steps:

1. Submit a Request

   • Email us at info@marketmosaic.co.uk with:
     • Your full name
     • Order number
     • Reason for the refund request
     • Any supporting documentation (screenshots, emails, etc.)

2. Evaluation of Request

   • Our team will review your request within 5-7 business days.
   • We may reach out for additional information or clarification.

3. Approval or Rejection Notification

   • If approved, we will initiate the refund process.
   • If rejected, we will provide a detailed explanation of the decision.

3. Refund Processing Time

Once approved, refunds will be processed within 7-14 business days, depending on:

• Your original payment method.
• Your bank or payment provider’s processing times.

Refund Methods:

• Payments made via credit/debit card will be refunded to the original card.
• Payments made via PayPal, Stripe, or other payment gateways will be refunded through the same platform.
• Bank transfers may take additional processing time.

If you do not receive your refund within the specified period, please check with your bank before contacting us.

4. Partial Refunds

In certain cases, we may offer partial refunds, including:

• Service partially completed: If part of the service has been provided, we may issue a proportional refund.
• Technical errors: If an issue prevented full delivery, a partial refund may be granted.

Partial refunds will be calculated based on the work completed and the time invested in the project.

5. Non-Refundable Services

The following services are non-refundable:

• Customized or personalized research reports (once delivered).
• Consultations and strategy sessions (if already conducted).
• Third-party expenses or software costs incurred during service fulfillment.
• Expedited services that were processed at the client’s request.

For clarity, any service already delivered or fulfilled is not eligible for a refund.

6. Cancellation Policy

If you wish to cancel an order:

• Cancellations made within 24 hours of purchase may be eligible for a full refund if work has not yet started.
• Cancellations made after 24 hours but before service delivery may be eligible for a partial refund.
• Cancellations after service delivery is complete are not eligible for refunds.

To request a cancellation, please email info@marketmosaic.co.uk with your order details and reason for cancellation.

7. Refunds for Subscription-Based Services

If you have purchased a subscription-based service, refunds will follow these guidelines:

• Monthly Subscriptions: Refunds are not available for partially used months.
• Annual Subscriptions: Refunds may be issued only if requested within the first 14 days of purchase.
• Auto-Renewals: If you are charged for an automatic renewal, you must request a refund within 7 days of the renewal date.

Customers are responsible for canceling subscriptions before renewal dates to avoid charges.

8. Chargebacks and Disputes

If you initiate a chargeback or payment dispute:

• We will immediately suspend your account and services until the issue is resolved.
• We may provide supporting evidence to dispute the chargeback.
• If the dispute is resolved in our favor, you will be billed for the disputed amount, plus any chargeback fees.

Before initiating a chargeback, please contact us at info@marketmosaic.co.uk so we can resolve the issue amicably.

9. Exceptions to This Policy

We reserve the right to make exceptions to this policy based on:

• Special circumstances (e.g., major technical failure on our part).
• Good faith agreements where both parties mutually agree on a fair resolution.

All exceptions will be evaluated on a case-by-case basis.

10. Changes to the Refund Policy

Markets Mosaic Ltd reserves the right to update or modify this Refund Policy at any time. Changes will be communicated via:

• Updates on our website at https://marketmosaic.co.uk/
• Email notifications to registered users.

Your continued use of our services after policy updates constitutes acceptance of the new terms.

11. Contact Information

For refund inquiries or assistance, contact us at:

📍 Markets Mosaic Ltd
🏢 Address: 2 Frederick Street, London, WC1X 0ND
📧 Email: info@marketmosaic.co.uk
🌐 Website: https://marketmosaic.co.uk/

Our team is available to address your concerns and ensure a fair resolution to any refund-related requests.