Refund & Cancellation Policy

1. Scope

This Policy applies to all fees paid to Y Tokens LTD for subscriptions, usage-based services and implementation work, unless your service agreement states otherwise.

2. Subscription fees

You may cancel a subscription with 30 days' written notice. Fees already paid for the current billing period are non-refundable, except where the service was not delivered as agreed. Annual prepaid plans cancelled within the first 14 days receive a full refund.

3. Usage-based fees

Fees for API calls, tokens stored or transactions processed are charged for actual usage and are non-refundable, except where charged in error.

4. Eligible refunds

A refund is granted where:

• You were charged twice or in error
• A service was paid for but not provided
• Service levels fell below the committed availability, in which case service credits apply as described in your agreement
• Required by applicable law

5. How to request a refund

Send your request to compliance@ytokens.com within 60 days of the charge, including your company name, invoice number, amount and reason. We confirm receipt within 5 business days and decide within 14 business days.

6. Processing

Approved refunds are returned to the original payment method or bank account from which payment was received, within 10 business days of approval. In line with our AML Policy, refunds are never paid to third parties or to a different account than the original source of funds.

7. Chargebacks and disputes

Please contact us before initiating a chargeback so we can resolve the matter quickly. Unjustified chargebacks may lead to suspension of services and recovery of related costs.

8. Compliance holds

Refunds may be delayed or withheld where required by law, including where a transaction is under AML/CTF review, subject to sanctions, or where a competent authority has requested funds to be frozen.