Effective date: 20 October 2026
1. Before you pay
Before purchasing Silver or Gold membership, review the applicable registration fee, package features, eligibility requirements, activity rules and any limitations. Make sure the selected package is correct before confirming payment.
2. Requesting a refund
If you believe you were charged incorrectly, paid more than once for the same transaction, or experienced a payment error, contact Jovia Network through the official support channel. Include your account email or phone number, payment date, amount, transaction reference and a clear explanation. Never send your password or full card details.
3. Review and decision
Refund requests may be reviewed against payment-provider records, account activity, the applicable package terms and any legal requirements. Where a duplicate or mistaken charge is confirmed, the platform operator should arrange an appropriate correction or refund through the relevant payment provider, subject to that provider's process.
4. Membership activation and use
Eligibility for a refund may depend on whether the membership has been activated or used and on applicable consumer-protection law. This policy does not remove any mandatory rights you may have under the law. The platform operator should clearly state any lawful non-refundable conditions before checkout.
5. Processing times
Where a refund is approved, the time for funds to appear depends on the payment provider, bank and payment method. Jovia Network cannot guarantee a specific posting date unless it has been confirmed by the provider.
6. Unauthorised or disputed transactions
If you do not recognise a charge, contact your payment provider promptly and notify Jovia Network through its official support channel. Do not share one-time passcodes, PINs or passwords.
7. Changes to this policy
This policy may be updated as the service or legal requirements change. The version published on the official website at the relevant time should be reviewed before purchase.
8. Contact
Submit refund questions through the official Jovia Network support/contact details published on the platform. The operator should add a verified support email or other contact method before this page goes live.