FluxHarbor Payments — Refund Policy

1. Where to send a refund request

Refund requests should be sent in writing to hello@insight-system.one with the engagement reference and a short description of what you would like refunded. A member of our client success team will reply within five working days, normally with a request for a brief call so that we can hear the context directly. The conversation is the part of the process that takes time; the administrative steps that follow are short.

2. The window in which a refund can be requested

You may request a refund within fourteen calendar days of the engagement kick-off, in line with the Republic of Korea consumer protection conventions for professional services where they apply. Some longer engagements include explicit milestone gates after which a refund is no longer available; those gates are listed in the proposal you signed. We will not invent extra deadlines that were not in the proposal.

3. Cases that fall outside this policy

A small number of engagement types are not refundable: third-party software fees we have already paid on your behalf, on-site travel costs already incurred and not recoverable, and bespoke deliverables that have already been handed over and accepted by your team. These exceptions are spelled out in the relevant statement of work and we will not surprise you with a new one after the fact.

4. How a refund is processed

Once a refund is agreed, we will issue a credit note against the original invoice and arrange for the payment to be returned via the same channel used for the original transfer. International transfers may take longer because of correspondent bank handling. We will keep you informed of expected timing and we will share the bank reference once the transfer is initiated from our side.

5. Eligibility within an engagement

Refunds are available to the legal entity named on the original engagement contract, paid out to the account from which the original payment was made. We cannot redirect a refund to a different entity or account without a documented assignment, which is a tax and audit constraint rather than an arbitrary rule. We will help you put the assignment in place if needed.

6. What this policy covers

This policy applies to consulting service packages purchased directly from FluxHarbor Payments through a signed proposal or statement of work. It does not cover discounts or credits offered by partners, even when those partners reference our work, and it does not cover free assessments, which by definition cannot be refunded. Where any conflict exists, the signed proposal language takes precedence over this page.

7. Statutory consumer rights

Nothing in this policy limits the statutory consumer rights you may have under Korean law or under the law of the country where you reside, where that law applies to the engagement. If a statutory right offers you a stronger remedy than this policy, the statutory right is what applies. We will not ask you to waive any statutory right as a condition of working with us.

For any question on this document, write to hello@insight-system.one.