Effective Date: May 4, 2026

At Jefeti Consult Ltd, we strive to provide high-quality consultancy, HR, and digital logistics services. Because our services involve professional labor and third-party financial integrations, we operate under the following refund guidelines:

1. Consultancy & Professional Services

• Initial Deposits: Deposits paid for Business Advisory, HR Recruitment, or specialized Insurance Consulting are generally non-refundable once work has commenced. This covers the professional time and research invested by our consultants.

• Service Milestones: For long-term contracts, refunds are only applicable to milestones that have not yet been initiated. Once a project phase is completed and delivered, it is considered non-refundable.

2. Digital Logistics & AMATO PAGO Transactions

For transactions conducted on our digital platforms (including GIT/GITC insurance and port bookings):

• Transaction Charges: In accordance with our financial logic, all charges related to payments processed via Paystack or Flutterwave are borne by the user. These third-party processing fees are 100% non-refundable under any circumstances.

• Insurance Premiums: Once an insurance certificate (GIT/GITC) has been generated and issued to the user, the premium is non-refundable as the risk coverage has already been initiated with the underwriter.

3. General Merchandise & Procurement

• Physical Goods: Refunds for general merchandise are only accepted if the goods delivered are damaged or do not meet the agreed-upon specifications provided in the contract of sale.

• Claims Period: Any discrepancy in physical goods must be reported within 48 hours of delivery to our Ikeja office or via our official support channels.

4. Failed Transactions

In the event of a “System Error” where a user is debited without a service being rendered (e.g., a failed wallet top-up on the AMATO PAGO platform):

• The user must provide proof of debit.

• We will coordinate with the payment gateway (Paystack/Flutterwave) to resolve the issue. If a refund is issued, it will be for the principal amount only, excluding gateway transaction fees.

5. Cancellation Policy

• Meeting/Training Cancellations: Clients must provide at least 24 hours’ notice to reschedule a consultation or training session. Failure to do so may result in a cancellation fee.

• Subscription Services: For recurring digital services, users may cancel at any time; however, no pro-rated refunds will be issued for the remaining period of the current billing cycle.

6. How to Request a Refund

To request a review of your transaction, please contact our accounts department:

• Email: [email protected]

• Subject Line: Refund Request – [Transaction ID / Company Name]

• Required Info: Attach your receipt or proof of payment and a brief explanation for the request.

Compliance Note:

This policy is designed to protect the operational costs of Jefeti Consult Ltd while ensuring fair treatment of our clients. By using our website and subdomains, you acknowledge and agree to these terms.