Refund Policy

Effective Date: July 19, 2026
Last Updated: July 19, 2026

Introduction

This Refund Policy explains the terms governing payments made through the ZIKFM 96.3 Umuahia website, mobile application, and other digital platforms (collectively referred to as the "Platform").

By making a payment through the Platform, you acknowledge that you have read, understood, and agreed to this Refund Policy.

1. General Policy

ZIKFM 96.3 Umuahia is committed to providing quality digital services and maintaining fair and transparent payment practices.

Refund requests are reviewed on a case-by-case basis and are subject to the terms outlined in this Policy.

2. Eligible Refunds

A refund may be considered under the following circumstances:

• A payment was processed more than once due to a technical or system error.

• An incorrect amount was charged because of a verified processing error.

• A payment was completed, but the purchased digital service was not delivered due to a confirmed technical issue.

• A transaction was processed without the user's authorization, subject to verification and applicable laws.

3. Non-Refundable Payments

Unless required by applicable law, refunds will generally not be provided for:

• Voluntary donations or contributions.

• Advertising fees after an advertisement has been approved, published, or broadcast.

• Sponsorship payments after the agreed service has commenced.

• Payments for services that have already been successfully delivered.

• Errors resulting from incorrect information provided by the user.

• Payments made through third-party providers that have already been settled according to their terms.

4. Refund Requests

To request a refund, users should contact ZIKFM 96.3 Umuahia through the official communication channels available on the Platform.

A refund request should include sufficient information to help identify the transaction, such as:

• Transaction reference number

• Date of payment

• Payment method used

• Amount paid

• Reason for the refund request

Additional information may be requested where necessary to verify the claim.

5. Review Process

Each refund request is carefully reviewed to determine eligibility.

Submitting a refund request does not automatically guarantee that a refund will be approved.

Where appropriate, additional verification may be required before a decision is made.

6. Approved Refunds

If a refund request is approved:

• The refund will generally be returned through the original payment method whenever possible.

• Processing times may vary depending on the payment provider or financial institution.

• ZIKFM 96.3 Umuahia is not responsible for delays caused by third-party payment processors or financial institutions.

7. Chargebacks

Users are encouraged to contact ZIKFM 96.3 Umuahia before initiating a chargeback with their payment provider.

Fraudulent or abusive chargeback requests may result in the suspension or restriction of access to certain Platform services where permitted by law.

8. Fraud Prevention

To protect users and maintain the integrity of the Platform, refund requests may be declined if fraudulent activity, misuse, false claims, or abuse of the refund process is reasonably suspected.

9. Changes to This Policy

ZIKFM 96.3 Umuahia reserves the right to modify or update this Refund Policy at any time.

Any updates become effective immediately upon publication on the Platform unless otherwise stated.

Users are encouraged to review this page periodically.

10. Platform Technology

The digital platform supporting the ZIKFM 96.3 Umuahia website and online services is powered by technology developed and maintained by GODFAVOURNAEWURU LTD.

The software, platform architecture, source code, databases, applications, and related technology remain the intellectual property of GODFAVOURNAEWURU LTD. This Policy does not affect the ownership of ZIKFM 96.3 Umuahia's broadcasting services, trademarks, editorial content, or other intellectual property.

11. Contact

For questions regarding this Refund Policy or a refund request, please contact ZIKFM 96.3 Umuahia through the official contact channels published on the Platform.

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