Refund Policy

This Refund Policy describes when and how FOP Bondarenko Artem Hennadiyovych (Inform Advisory) refunds payments for consulting services ordered via inform-advisory.com or related invoices.

Because services are customized advisory work, refunds depend on whether work has started and what has already been delivered.

If the client cancels before the Provider has started performing the engagement, and no deliverables have been provided, the client may receive a full refund of prepaid amounts, minus non-recoverable bank or payment-network fees actually charged to the Provider.

Cancellation may be communicated orally or via phone, email, or messenger (for example consult@inform-advisory.com or +380733733367).

If work has started, prepaid fees for completed portions of the scope are non-refundable. Unused prepaid amounts for work not yet performed may be refunded proportionally, or credited toward future services, by mutual agreement.

Time already spent on analysis, meetings, research, or preparation counts as performed work for this purpose.

Fees for services that have been fully delivered according to the agreed scope are not refundable, except where required by mandatory law or where the Provider confirms a material failure to deliver the agreed scope.

Disagreement with recommendations, or a decision not to implement advice, does not by itself create a right to a refund.

Contact the Provider by phone, email, or messenger with the invoice number (if any), payment date, amount, and reason. The Provider confirms receipt within two (2) business days and states the decision and calculation.

Approved refunds for bank transfers are returned to the originating account within ten (10) business days after approval, unless the bank needs longer.

Approved refunds for cryptocurrency payments are returned, by mutual agreement, either in the same asset to the sending wallet or as a fiat transfer equivalent to the amount originally recorded on the invoice, within ten (10) business days after approval (network confirmation times excluded).

Clients are asked to contact the Provider first to resolve billing issues. Unfounded chargebacks for delivered services may be contested with proof of delivery and the engagement records.

The website does not provide an automated self-service refund button. All cancellations and refunds are handled manually through the contact channels above, which is appropriate for customized consulting engagements.

FOP Bondarenko Artem Hennadiyovych · Tax ID 3844212512 · 65014, Ukraine, Odesa Oblast, Odesa, Prymorskyi District, Troitska St, building 7, room 3 · Phone +380733733367 · Email consult@inform-advisory.com.