Legal
Refund policy
Last updated 28 July 2026. This policy applies to paid card processing audit and readiness engagements with Cloud Dynamic. It does not cover software licences, payment processing, physical goods, or marketplace products — we do not sell those.
Eligibility
Refunds apply to fees paid for consulting and audit time that has not been delivered, subject to the conditions below and the signed statement of work. Informational prices on this website are not invoices.
Timeframe
Refund requests should be sent within 14 days of the invoice payment date for unused prepaid packages, or within 7 days of a written cancellation for scheduled on-site sessions that have not started.
Full refunds
A full refund of prepaid fees is available when we cancel an engagement for reasons on our side, or when you cancel in writing before any kickoff work begins and before any agreed deposit becomes non-refundable under the statement of work.
Partial refunds
If an engagement is stopped after work has started, we refund the unused portion of prepaid fees after deducting time already delivered at the agreed rate, plus any non-recoverable third-party costs we disclosed in writing (for example, booked meeting facilities).
Non-refundable items
The following are generally non-refundable once incurred or delivered: completed audit fieldwork days, delivered finding registers and readiness binders, facilitated closeout briefings already held, and custom materials prepared for your merchant environment after kickoff. A deposit marked non-refundable in the statement of work remains non-refundable after the stated date.
Deposits
We may request a deposit to reserve audit dates and evidence-room capacity. The statement of work states when the deposit becomes non-refundable. Until that date, deposits follow the full-refund rules above.
Cancellation and rescheduling
You may reschedule a fieldwork week or closeout briefing once without fee if you give at least 5 business days’ notice. Later changes may incur a rescheduling fee equal to 20% of the affected session fee. Cancellations after work has started are treated as partial-refund cases.
No-shows
If your nominated owners miss a scheduled interview or readout without notice, that session is considered delivered and is not refundable. We will offer one courtesy reschedule if the miss was caused by a documented emergency.
Work already started
Introductory scoping calls used to prepare a statement of work are complimentary unless otherwise agreed. Once kickoff begins — evidence access granted, interviews scheduled, or sampling started — time spent is billable and reduces any prepaid balance.
Purchased materials
We do not sell physical kits. Digital templates and binders included in an engagement are licensed for your internal use upon delivery and are not refundable after delivery.
Refund process
Email audits@cloud-dynamic.digital with the subject “Refund request”, your company name, invoice number, and reason. We confirm receipt within 3 business days and decide within 10 business days.
Processing time and method
Approved refunds are returned by the original payment method within 14 business days of approval. Bank transfer refunds in Hong Kong may take longer depending on your bank.
Exceptions
If mandatory Hong Kong consumer law grants stronger rights for a particular transaction type, those rights prevail. Force majeure events may delay sessions without creating automatic refund rights beyond unused prepaid time.
Contact
Refund questions: audits@cloud-dynamic.digital, +852 2960 0967, Rightful Centre, Yau Ma Tei, Yau Tsim Mong District, Hong Kong.