Refund & Cancellation Policy

COWRIE GREETINGS
Greetings Beyond Words

REFUND & CANCELLATION POLICY
Effective Date: 6 October 2026
Last Updated: 6 October 2026

1. OVERVIEW
Cowrie Greetings sells digital products and services. Because digital products may be delivered or made available promptly, refunds depend on the circumstances, this policy and applicable law.

Nothing in this policy removes a consumer right that cannot lawfully be excluded.

2. DUPLICATE PAYMENTS
If a customer is charged more than once for the same purchase, contact support.

After verification, a duplicate charge may be refunded through the original payment method where possible.

3. FAILED PAYMENTS
If a payment appears unsuccessful but the customer was charged, contact support with the transaction reference.

We will verify the payment with the applicable provider before determining the appropriate resolution.

4. FREE TRIAL
The Free Trial does not require payment.

Customers may stop using the service at any time. Free access automatically expires after 30 days unless the customer upgrades to Premium.

5. PREMIUM CANCELLATION
Planned Premium prices are:
• US$5 monthly; or
• US$15 yearly.

Where recurring billing is enabled, cancellation normally prevents future renewal but does not automatically refund the already-paid billing period.

Where a payment provider offers a cancellation mechanism, customers should use the available mechanism or contact support.

6. ECARD REFUNDS
A refund may be considered for:
• a significant Cowrie Greetings technical failure;
• duplicate payment;
• inability to supply a paid service;
• material failure caused by Cowrie Greetings; or
• circumstances where applicable law requires a refund.

A change of mind after successful digital delivery will not normally qualify for a refund, subject to mandatory consumer rights.

7. INCORRECT RECIPIENT INFORMATION
Incorrect email addresses, WhatsApp numbers, recipient names or delivery dates will not normally qualify for a refund solely because the information was entered incorrectly.

Customers should contact support promptly. Where technically possible, we may correct the information or re-attempt delivery.

8. DIGITAL IMAGES
Planned standalone digital-image prices range from US$10 to US$35.

A refund may be considered for:
• materially defective files;
• the wrong product supplied through our error;
• duplicate payment;
• inability to supply the purchased product; or
• circumstances where applicable law requires a refund.

Once a digital image has been successfully accessed or downloaded, a change-of-mind refund will generally not be available, subject to applicable law.

9. DELIVERED OR ACCESSED DIGITAL PRODUCTS
Because digital products can be delivered or accessed immediately, a refund is generally not available solely because a customer changes their mind after successful delivery or access, except where required by applicable law or where this policy provides otherwise.

10. UNAUTHORIZED TRANSACTIONS
Customers should promptly contact Cowrie Greetings regarding a transaction they believe is unauthorized.

Customers may also contact their bank or payment provider. This policy does not limit any rights or procedures available through those institutions.

11. CHARGEBACKS
Customers are encouraged to contact Cowrie Greetings first where possible so that we can investigate and resolve legitimate problems.

Nothing in this policy prevents a customer from exercising rights available through a bank, card network, payment provider or applicable law.

12. PAYMENT PROVIDERS
Paystack is intended as the primary payment provider and PayPal may be added later.

Approved refunds will normally be processed through the original payment method where possible. Processing times depend on the payment provider and financial institution.

13. REFUND REQUEST PROCESS
Send a refund or cancellation enquiry to:
[email protected]

Please include:
• customer name;
• purchase email;
• order or transaction reference;
• purchase date;
• product/service;
• reason for the request; and
• relevant evidence, such as screenshots or delivery information, where available.

We may request additional information reasonably necessary to investigate.

14. REVIEW AND DECISION
Refund requests are reviewed based on payment status, delivery/access status, technical issues, duplicate payments, customer-supplied information, product type and applicable law.

Where a refund is approved, we will communicate the decision and, where possible, the expected processing route.

15. CHANGES
This policy may be updated as Cowrie Greetings, payment providers and applicable legal requirements develop. The current version will be published online.

16. CONTACT
Refund and cancellation enquiries:
[email protected]

Cowrie Greetings
18 Abudu-Ottun Street, Okoko, Lagos State, Nigeria
https://cowriegreetings.com