Legal
Refund policy
When Phyber Mart Financial issues refunds, how to request one, and what is not refundable.
Last updated: July 28, 2026
Our position
We want you to be satisfied with the work. If something has gone wrong, our first preference is to correct it — and we will do so at no additional charge where the error is ours. Where correction is not appropriate, the following terms apply.
Retainer services
Monthly retainers are billed in advance for the coming month. If you terminate mid-month, we refund the unused portion of that month on a pro-rata basis, less the value of any work already performed in the period.
Fees for months already completed are not refundable, since the work has been delivered.
Project and one-off work
Project engagements are refundable as follows:
- Before work begins — full refund of any deposit paid
- After work begins but before delivery — refund of the balance not yet earned, calculated against work completed to date
- After delivery — not refundable, except where the deliverable materially fails to meet the agreed written scope
Errors on our part
If a deliverable contains an error caused by us, tell us within 30 days of receiving it. We will correct the work at no charge as the primary remedy. Where the error cannot reasonably be corrected, we will refund the fee attributable to the affected portion of the work.
This does not extend to errors arising from information that was incomplete, inaccurate or supplied late by you, or from a position we advised against and you instructed us to take regardless.
What is not refundable
- Government filing fees, registration fees and third-party charges paid on your behalf
- Work already delivered and accepted
- Software subscriptions purchased in your own name
- Outcomes outside our control, including a lender declining an application or a tax authority disagreeing with a position
- Fees where an engagement was terminated for non-payment or material breach by the client
No guarantee of outcome
We do not guarantee a particular financial, tax or lending outcome. Loan approval is decided by lenders, and tax authorities may take a different view of a position than we do. Dissatisfaction with an outcome is not on its own grounds for a refund, though we will always discuss it with you.
How to request a refund
Send a written request to info@phybermartfinancial.com stating the engagement, the amount, and the reason. We will acknowledge within 3 business days and give you a decision within 10 business days.
Approved refunds are issued to the original payment method within 5 to 10 business days of approval. Processing times at your bank or card issuer may add to that.
Disputes
If you disagree with a decision, contact us before raising a chargeback with your bank or card issuer. Most disagreements are resolved faster directly, and a chargeback raised without contacting us first may result in suspension of work while it is investigated.
Contact
Refund questions can be sent to info@phybermartfinancial.com or +1 (281) 250-4864.