Refund Policy

1. Overview

Aurora Global Holdings Limited (doing business as "Rise Summit Financial") is committed to providing exceptional financial services. This Refund Policy outlines the terms and conditions under which refunds may be requested and processed for our services.

Policy Scope

This refund policy covers:

• Advisory service fees
• Management fees
• Consultation charges
• Setup and account fees
• Educational program fees

2. Refund Eligibility

Non-Refundable Items

The following are not eligible for refunds:

• Investment Losses: Market-related losses or poor investment performance
• Completed Services: Advisory services that have been fully delivered
• Third-Party Costs: Fees paid to external service providers
• Regulatory Fees: Government or regulatory authority charges
• Late Fees: Penalties for late payments or non-compliance
• Market Data Fees: Real-time market data subscription costs

3. Refund Timeframes

Service-Specific Timeframes

• Advisory Services: Refund requests must be made within 30 days of service delivery
• Educational Programs: Full refund if cancelled before program commencement
• Ongoing Management: Pro-rated refunds for prepaid periods upon account closure
• Consultation Fees: Refund available if consultation is cancelled with 24 hours notice

4. Refund Process

Step-by-Step Process

1. Submit Request: Contact our client services team with your refund request
2. Provide Documentation: Submit required documentation and explanation
3. Review Process: Our team will review your request within 5-7 business days
4. Decision Notification: You will be notified of the decision via email
5. Refund Processing: Approved refunds are processed within 10-15 business days

Required Documentation

When submitting a refund request, please provide:

• Account number and client identification
• Specific service or fee for which refund is requested
• Reason for refund request with supporting details
• Copy of relevant invoices or billing statements
• Any supporting documentation or correspondence

5. Refund Methods

Payment Method

Refunds will be processed using the same method as the original payment:

• Bank Transfer: Refunds to the original bank account (3-5 business days)
• Credit Card: Refunds to the original credit card (5-10 business days)
• Check: Mailed to registered address (7-14 business days)
• Wire Transfer: For international clients (1-3 business days)

Processing Times

6. Partial Refunds

Pro-Rated Refunds

In certain circumstances, partial refunds may be applicable:

• Early Termination: Pro-rated refund for unused prepaid periods
• Service Reduction: Partial refund when service scope is reduced
• Billing Adjustments: Corrections for overcharges or billing errors

Calculation Method

Partial refunds are calculated based on:

• Unused service period
• Services not yet delivered
• Pro-rated daily fee structure
• Less any applicable cancellation fees

7. Exceptions and Special Circumstances

Regulatory Compliance

Refund processing must comply with:

• Anti-money laundering regulations
• Know Your Customer requirements
• Financial services regulations
• Tax reporting obligations

Special Circumstances

8. Dispute Resolution

Internal Review Process

If you disagree with a refund decision:

1. Request a review from our Client Relations Manager
2. Provide additional documentation if available
3. Allow 10 business days for review completion
4. Receive written explanation of final decision

External Resolution

If internal resolution is unsuccessful, you may:

• Contact relevant financial ombudsman services
• Seek independent financial advice
• Pursue resolution through legal channels
• File complaints with regulatory authorities

9. Client Responsibilities

Timely Notification

Clients are responsible for:

• Reviewing account statements promptly
• Reporting billing discrepancies within 30 days
• Providing accurate information for refund processing
• Maintaining updated contact information

Documentation Retention

Keep records of:

• All service agreements and contracts
• Payment confirmations and receipts
• Correspondence with our team
• Account statements and transaction records

10. Policy Updates

This Refund Policy may be updated periodically to reflect:

• Changes in regulatory requirements
• Updates to our service offerings
• Improvements to client experience
• Industry best practice standards

Clients will be notified of material changes through:

• Email notifications
• Updates on our website
• Written notices where required