Return & Refund Policy

Table of Contents

At Youngs Capital (Pvt) Ltd, our priority is to ensure every client receives exceptional value and satisfaction through our financial, advisory, and educational services. This Return & Refund Policy outlines the terms under which refunds, cancellations, or rescheduling may be offered.

By engaging with our services or making a payment on our website, you acknowledge and agree to this policy.

1. Overview

Due to the nature of our services — including account management, portfolio advisory, and customized research — we generally do not offer refunds once a service has been initiated or delivered.

However, we believe in fairness and transparency. Each refund or cancellation request is carefully reviewed in accordance with this policy to ensure clients are treated with integrity and respect.

2. Eligibility for Refunds

Refunds may be considered under the following conditions:

• Service Not Rendered: If a payment was made but the service has not yet begun.
• Duplicate Transaction: If a client was charged more than once for the same service.
• Technical Error: If a transaction was processed incorrectly or failed due to a verified system error.
• Service Cancellation: If a client cancels a service before our team has started work on it.

Once a service has commenced (for example, advisory sessions started or research delivered), refunds will not be issued.

Refund requests must be submitted within 7 working days of payment and are approved only in cases of duplicate payments, technical errors, or valid cancellations.

3. Non-Refundable Services

The following categories are non-refundable:

• Completed or partially completed 1-on-1 Advisory sessions
• Delivered Personalized Research Reports
• Access to Educational Courses or learning materials once purchased
• Active Account Management or Portfolio Management subscriptions already in progress
• Any service where time, expertise, or third-party resources have been allocated

Once a digital or consultancy service has been completed, it cannot be refunded.

4. Rescheduling or Adjustments

Clients may request to reschedule or adjust service timelines before commencement. Our team will make reasonable efforts to accommodate such requests based on availability and service capacity.

For ongoing services such as account management or advisory retainers, adjustments may be made to the next billing cycle where applicable.

5. Refund Processing

Once a refund request is approved:

• Refunds will be processed using the original payment method (e.g., PayFast, bank transfer).
• It may take 7–14 business days for the amount to reflect, depending on your payment provider.
• Clients will be notified via email once the refund has been processed.
• We reserve the right to deduct administrative or processing fees (if applicable).

Approved refunds will be processed within 7–10 business days and returned through the same payment channel (JazzCash, Easypaisa, debit/credit card).

6. Dispute Resolution

If you are dissatisfied with a service outcome, please contact our Client Support team before requesting a refund.

Many concerns can be resolved through clarification, adjustments, or an alternative service arrangement.

We aim to handle all refund or dispute cases fairly, efficiently, and professionally.

7. Policy Exceptions

In extraordinary cases such as verified service errors, compliance issues, or technical failures, partial or full refunds may be approved at the discretion of Youngs Capital management.

All such exceptions will be documented and communicated transparently to the client.

8. Contact for Refund Requests

Our customer service hours are Monday to Friday, 9:30 AM – 5:30 PM (PKT).

For refund-related assistance, contact us using the details provided on our website or invoice.

9. Policy Updates

We may update this Return & Refund Policy periodically to reflect operational, financial, or regulatory changes. The updated version will always be published on our website with the "Last Updated" date indicating its effective version.

10. Final Statement

At Youngs Capital (Pvt) Ltd, we value our clients' trust and strive to maintain transparent, ethical business practices.

We encourage clients to reach out with any concerns — our goal is to build long-term relationships based on clarity, professionalism, and mutual respect.