Refund & Cancellation Policy

This Refund & Cancellation Policy applies to all paid licenses of the REOS™ software and any related services purchased through realmrisk.com from REALMRISK NG Pvt. Ltd. (“RealmRisk,” “we,” “us,” or “our”). Payments are processed by our payment processor, for both domestic (India) and international card transactions.

1. Nature of the Product

REOS is licensed software. A purchase entitles you to a license activation file (and, where applicable, a download link and installer). These are intangible digital goods delivered electronically. Because the product becomes immediately usable upon delivery of the activation file, it cannot be “returned” in the manner of a physical good.

2. All Sales Final After Delivery

Once we have issued and delivered your license activation file or key to your registered email address, the transaction is considered complete and no refund will be provided, whether the license is subsequently activated or not. By completing payment, you acknowledge and consent to the immediate provisioning of the license and waive any cooling-off period to the extent permitted by applicable law.

3. Cancellation Before Delivery

Under our standard terms, if you have completed payment but your license activation file has not yet been issued, you may request cancellation and receive a full refund. To be eligible, your cancellation request must reach us at reos@realmrisk.com before the activation file is dispatched.

This standard right does not apply where a signed quotation or order sets out different terms — for example, an instalment or staged-payment plan under which amounts already paid are stated to be non-refundable, or are applied toward a subscription if payments are discontinued. In that case the terms of the signed quotation or order govern (see section 9).

4. Failed, Duplicate, or Erroneous Payments

The following situations are always eligible for correction or refund, regardless of the clause above:

• Failed transactions: where an amount is debited but the payment does not complete, it is typically auto-reversed by your bank or payment provider. If it is not reversed, we will refund it.
• Duplicate charges: if you are charged more than once for the same license, the duplicate amount is refunded in full.
• Incorrect amount: if you are charged an amount other than the agreed quote, the difference is refunded or corrected.

5. Non-Delivery

If you have paid for a license and we fail to deliver the activation file within the timeframe stated in our Delivery & Fulfillment Policy, and we are unable to resolve the issue, you are entitled to a full refund.

6. Statutory Rights

Nothing in this policy excludes or limits any rights you may have that cannot be waived under applicable law, including non-waivable consumer protections under the laws of India or, where applicable, the mandatory consumer rights of your country of residence.

7. How Refunds Are Processed

Approved refunds are issued to the original payment method. Refunds are normally initiated within 5–7 business days of approval; the time for the amount to appear in your account depends on your card issuer or bank and may take longer for international transactions.

International transactions: refunds on payments made in a foreign currency are returned in the original transaction currency. The final amount credited to you may differ slightly from the original amount charged due to exchange-rate movements between the purchase and refund dates, and due to any charges levied by your card network or bank. These variations are outside our control.

8. How to Request a Refund or Cancellation

Email reos@realmrisk.com with the following:

• Your full name and organization;
• The email address used for the purchase;
• The payment reference / order ID;
• A brief reason for the request.

We will acknowledge your request and respond with a decision within a reasonable period.

9. Signed Quotations and Orders Prevail

The terms on this page are our standard refund and cancellation terms. Where you and RealmRisk enter into a signed or countersigned quotation, order form, or purchase agreement, the refund, cancellation, and payment terms of that document govern and prevail over this page to the extent of any conflict. This page continues to apply to any matter the signed document does not address. Nothing in this section overrides the non-waivable statutory rights described in section 6.

10. Contact

For any questions about this policy, contact: