# REFUND & PAYMENT POLICY
**Effective Date:** [Insert Date]
This Refund & Payment Policy governs all purchases made for MUHAFIZ (“Service”) operated by [Your Company Name].
By purchasing MUHAFIZ, you agree to this policy.
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## 1. Pricing Model
MUHAFIZ is offered as a **one-time payment** product.
* No subscriptions
* No recurring charges
* Lifetime access after purchase (unless otherwise stated)
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## 2. Payment Processing
All payments are processed securely through third-party payment providers.
We do not store or process your payment details directly.
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## 3. Refund Policy
Due to the nature of digital products, all sales are generally **final and non-refundable**.
However, refunds may be granted under the following conditions:
* The product was not delivered or accessible
* A technical issue prevents core functionality and cannot be resolved
* Duplicate or accidental payments
Refund requests must be submitted within **7 days of purchase**.
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## 4. Non-Refundable Cases
Refunds will NOT be provided for:
* Change of mind after purchase
* Lack of understanding of product features
* Device incompatibility (unless clearly misrepresented)
* Failure to use the product
* Misuse or violation of Terms of Service
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## 5. Disputes & Chargebacks
Before initiating a chargeback, you agree to contact us first.
Unjustified chargebacks may result in:
* Suspension of access
* Permanent restriction from using the Service
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## 6. Product Access
Upon successful payment:
* You will receive access to MUHAFIZ
* Access is granted for lifetime use on supported devices
We reserve the right to modify or discontinue features if necessary.
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## 7. Taxes
Prices may or may not include applicable taxes depending on your location.
You are responsible for any applicable taxes required by law.
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## 8. Policy Updates
We reserve the right to update this policy at any time.
Changes will apply to future purchases.
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## 9. Contact
For refund requests or payment issues:
Email: [info@aimuhafiz.com](mailto:info@aimuhafiz.com)
Location: Istanbul, Türkiye
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## 10. Summary
* One-time payment
* No subscription
* Limited refund conditions
* Contact us before disputes
By purchasing MUHAFIZ, you acknowledge and accept this policy.