Refund Policy

This Refund Policy applies to all services purchased from Shabbat Legacy Capital (Pty) Ltd t/a SLC.

1. When Refunds Are Available

• If SLC is unable to deliver the purchased service due to circumstances within SLC's control;

• If a consultation is cancelled by SLC and not rescheduled within a reasonable time;

• If requested within [3] days of purchase and before any substantive advisory work has commenced, subject to Section 3.

2. When Refunds Are Not Available

• Once a consultation has been conducted and advisory services have been delivered;

• Where Client fails to provide required documentation or cooperation after a reasonable request;

• Where Client's timeshare is not ultimately exited or resolved — as SLC does not guarantee outcomes, non-guaranteed outcomes are not grounds for refund;

• Where a Referral Partner's separate fees are concerned — those are governed by the Referral Partner's own refund terms.

3. Partial Refunds

Where services have been partially delivered, SLC may, at its sole discretion, offer a partial refund reflecting the portion of services not yet rendered.

4. Consultation Fees

Fees paid for an initial consultation are generally non-refundable once the consultation has taken place, as they compensate SLC for time and expertise delivered, irrespective of the advice given or Client's subsequent decisions.

5. Chargebacks

Client agrees to contact SLC directly to resolve any billing concerns before initiating a chargeback with their bank or card issuer. Initiating a chargeback for services that have been delivered in accordance with this Agreement may be contested by SLC and may result in suspension of further services.

6. Processing Times

Approved refunds will be processed within [30] business days to the original payment method, subject to processing times of the applicable payment provider and cross-border banking delays.