Refund Policy

This Refund Policy governs refund and cancellation requests for subscriptions to the Valo platform (the "Service"), operated by Ridha Tech. Capitalised terms used here — including Service, Subscription, Predictions, User, and Content — carry the same meanings defined in our Terms of Service.

Because the Service delivers informational access — sports intelligence, probability assessments, and analytical Predictions via WhatsApp — rather than a physical or downloadable good, this policy is designed specifically for that model. Please read it in conjunction with our Terms of Service, which explains the educational and informational nature of the Predictions we provide.

1. General Refund Eligibility

A Subscription to the Service grants access to Ridha Tech's sports intelligence platform for the duration of the billing period. That access constitutes delivery of the Service, regardless of whether any specific Prediction's outcome was favourable to you.

This means: dissatisfaction with a Prediction's outcome — a match result that differed from our probability assessment, a suggested bet that did not pay out — is not grounds for a refund. As our Terms of Service make clear, Predictions are educational information, not guarantees. Sports outcomes are inherently uncertain, and our platform is designed to help you reason about probability, not to assure specific results. Access to the Service was delivered as intended.

The circumstances where a refund does apply are narrower and specific, described in Section 2 below.

2. Circumstances Where a Refund Applies

We will consider and, where confirmed, process refunds in the following situations:

3. Cancellation and Refund Are Not the Same Thing

Cancelling your Subscription stops future automatic renewals. It does not retroactively refund the current billing period. If you cancel mid-period, you retain access to the Service through the end of the period you already paid for — you simply will not be charged again after it ends.

To cancel, manage your Subscription through your account page or contact us at contact@ridhatech.com. A refund request is a separate step — if you believe your situation meets the criteria in Section 2, contact us as described in Section 4.

4. How to Request a Refund

Submit your request through our Contact page and select the "Billing Help" category. Please include the following in your message — incomplete requests take longer to resolve:

• The email address or phone number registered to your Valo account
• The date and approximate amount of the charge in question
• Your Flutterwave transaction reference (found in your email receipt or payment confirmation)
• A clear description of the issue and which of the Section 2 criteria you believe applies

We aim to respond within 5 business days. Where a refund is approved, it will be returned to the original payment method via Flutterwave. Processing time depends on your bank or card issuer and is typically 5–10 business days from approval, though it can vary.

5. Chargebacks and Bank Disputes

We understand that contacting your bank or card issuer directly can feel like a faster path when something goes wrong with a charge. We ask that you contact us first through the process in Section 4, because we can typically resolve billing disputes faster and without the friction a formal dispute process introduces.

If you initiate a chargeback with your bank before attempting to resolve the issue with us, your account may be suspended during the dispute period as a precautionary measure — a standard practice for subscription services. Once a chargeback is filed, the outcome is determined through Flutterwave's dispute process and your bank's policies, which we are required to participate in. Filing a chargeback for a charge that does not qualify as fraudulent or erroneous may affect your ability to subscribe in the future.

6. Your Rights Under Local Law

Depending on where you are located, you may have additional rights under your local consumer protection laws that this policy does not limit or replace. For example, users in the European Union may have specific rights under EU consumer legislation for digital services, including mandatory withdrawal rights that differ from the terms above. Users in other jurisdictions may similarly have statutory rights this policy cannot override.

This policy is not intended to — and does not — limit any statutory rights you may have. If local law grants you rights that exceed what is described here, those rights apply. We are not in a position to enumerate every jurisdiction's rules in this document; that is a matter this policy will address more specifically following professional legal review. If you believe your local rights apply to your situation, please mention that when you contact us.

7. Changes to This Policy

We may update this Refund Policy as our service evolves, as we complete legal review, or as applicable law changes. When we make material changes, we will notify you at least 14 days in advance via email to your registered address and/or a message through the Valo WhatsApp interface. The updated policy will be posted on this page with a revised "Last Updated" date.

Continuing to use the Service after the effective date of a revised policy constitutes your acceptance of the updated terms. If you disagree with a change, you may cancel your Subscription before it takes effect.

Questions About Billing

Use the Contact page and select "Billing Help", or email us at contact@ridhatech.com. This policy should be read alongside our Terms of Service, which governs the overall Subscription agreement.

Legal Review Checklist

For internal use — not legal advice. Items pending professional attorney review before this policy is treated as final.