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Refund & Return Policy

At Finset Formation, we act as a professional formation and compliance agent/consultant, helping entrepreneurs — including clients based in Bangladesh — navigate USA LLC and UK LTD company formation, business banking, payment account setup, and tax filing. This policy outlines our refund terms in detail and clarifies the scope of our responsibility as a service provider, so both parties have clear expectations from the start.

Our Role and Responsibility

Finset Formation is not a government agency, bank, or payment provider. We are an independent formation and compliance expert acting as your agent to prepare, submit, and manage applications with the relevant authorities and institutions, including but not limited to the IRS, Companies House, HMRC, state filing offices, partner banks, and payment platforms such as Payoneer, Wise, PayPal, and Stripe.

Our role is to apply our expertise and experience to prepare accurate, complete, and well-documented applications on your behalf, in order to maximize the likelihood of a successful outcome. However, the final decision on company registration approval, EIN issuance, business bank account approval, or payment gateway verification always rests solely with the respective government body, bank, or platform. As these decisions are made independently by third parties and are outside our direct control, Finset Formation cannot guarantee specific approval outcomes, processing times set by these third parties, or the reversal of a decision once made by them.

By purchasing our services, you acknowledge and accept that you are engaging Finset Formation for our expertise, guidance, and application-handling services — not for a guaranteed approval or outcome from any third-party institution.

Our Service Guarantee

We are committed to professionalism and timeliness in every engagement. We guarantee that:

  • We will collect and review your documents diligently before submission.

  • We will prepare and submit your application accurately, based on the information and documents you provide.

  • We will complete our part of the process within the timeframe agreed upon at the time of purchase, provided you supply complete and accurate information promptly.

If we fail to meet this agreed timeframe due to a delay caused directly by us — and not by missing documents, client responsiveness, or third-party processing — you are eligible for a refund or continued service, as outlined below.

Eligible for Refund

  • Service not started: If we have not yet begun processing your order or requested documents from you, you may request a full refund at any time before work begins.

  • Internal delay caused by us: If we fail to submit your application within the agreed timeframe due to our own internal delay — not due to missing client documents, incomplete information, third-party processing times, or decisions made by a government body, bank, or platform — you are eligible for a full refund or free continuation of the service, at your preference.

  • Duplicate or erroneous payment: If you were charged more than once for the same service, or charged an incorrect amount due to a system or billing error, the excess amount will be refunded in full.

  • Service not rendered as described: If the service delivered materially differs from what was described and agreed upon at the time of purchase, you may be eligible for a partial or full refund, subject to review by our team.

Not Eligible for Refund

  • Third-party decisions: Rejection, delay, additional document requests, or unfavorable decisions from a government authority, bank, or payment platform (including but not limited to the IRS, Companies House, HMRC, PayPal, Stripe, Payoneer, or Wise) once your application has been correctly and completely submitted on your behalf. These decisions are made independently by the third party and do not reflect a failure of our service.

  • Government and third-party fees: Any government filing fees, registered agent fees, Companies House fees, bank application fees, or similar third-party charges paid on your behalf are non-refundable once submitted, regardless of the final outcome of your application.

  • Client-caused delays: Delays resulting from incomplete, inaccurate, outdated, or late documents or information provided by the client, or delays in the client’s response to our requests for clarification or additional documents.

  • Completed and delivered services: Once a service has been completed and delivered as agreed — for example, your company has been formed, your EIN has been issued, or your application has been submitted to a bank or payment platform — the service is considered fulfilled and is non-refundable, even if a subsequent decision by a third party (such as final account approval or rejection) is unfavorable.

  • Change of mind: Refund requests made simply due to a change of mind after work on your order has already begun are not eligible, as resources and time have already been committed to your application.

  • Ongoing compliance services: Recurring services such as annual filings, registered agent renewals, or tax filing subscriptions are non-refundable once the relevant filing period has begun or the service for that period has been completed.

How to Request a Refund

To request a refund, please contact our support team at [email/WhatsApp] with your order or reference number, the service purchased, and a clear description of the reason for your request. Please submit your request as early as possible, as eligibility is assessed based on the stage of service at the time of the request. Our team will review your request and respond within [X] business days with a decision or a request for further information.

Refund Processing Time

Once a refund request is approved, we will process it within [X] business days. The refunded amount will be returned to your original payment method. Please note that the time for the funds to reflect in your account may vary depending on your bank, card issuer, or payment provider, and is outside our direct control.

Partial Refunds

In cases where part of a service has already been completed — for example, document preparation has been finished but submission has not occurred — Finset Formation reserves the right to offer a partial refund reflecting the value of work already completed, rather than a full refund.

Policy Updates

Finset Formation reserves the right to review and update this Refund & Return Policy at any time to reflect changes in our services, processes, or applicable regulations. Any updates will be published on this page along with a revised effective date. Continued use of our services after such changes constitutes acceptance of the updated policy.