Refund Policy

**IKU LOBI OCHA Refund Policy: No Refund for Wallet Refills**

Effective date: [3/3/2024]

**Aim:**
This policy aims to establish the conditions under which IKU LOBI OCHA (hereinafter "the Platform") offers refunds to its users, specifically in relation to top-ups of money in the virtual wallet.

**1. Wallet Recharges:**
The IKU LOBI OCHA platform allows users to load funds into their virtual wallet to facilitate transactions and purchases within the system.

**2. No Refund for Refills:**
No refunds will be made to users for money loaded into their virtual wallet. Once a top-up is completed, the funds are considered non-refundable.

**3. Policy Reasons:**
This policy is implemented to ensure efficient management of transactions on the platform. The non-return of funds loaded into the wallet helps maintain the financial and operational stability of IKU LOBI OCHA.

**4. Exceptions:**
No exceptions will be made to this policy, except in cases of technical errors or misunderstandings directly attributable to the platform. In such cases, resolution will be addressed on a case-by-case basis and will be subject to review and approval by the support team.

**5. User Responsibility:**
Users are responsible for carefully reviewing transactions and the amount of funds before replenishing the wallet. IKU LOBI OCHA is not responsible for recharge decisions and will not refund funds in cases of user error.

**6. Policy Changes:**
IKU LOBI OCHA reserves the right to make changes to this policy at any time. Users will be notified by appropriate means in case of modifications.

**Support Contact:**
For any questions or concerns related to this policy, users can contact the IKU LOBI OCHA support team through the designated channels.

**Signature:**
[IKU LOBI OCHA]

By accepting this policy, users acknowledge having read, understood and accepted the established terms and conditions.