Refund & Cancellation Policy

At SOWIZ (sowiz-sg.com), we aim to keep every transaction clear and transparent. This policy sets out how refunds and cancellations work for services provided through the SOWIZ platform. All amounts are denominated in Singapore Dollars (SGD).

1. General SaaS (Software-as-a-Service) Policy

Because SOWIZ services involve digital infrastructure and customised white-label application setup for your business, initial setup fees that have already been deployed are non-refundable, unless otherwise agreed in writing in a formal cooperation contract.

2. Eligible Refund Criteria

A refund request will only be processed if it meets one of the following conditions:

• An overpayment or verified double-billing error has occurred on our system.
• SOWIZ services are completely inaccessible or fail to deploy within the agreed timeframe due to technical negligence on our part.
• Specific refund terms are expressly stated in a cooperation contract (MoU) between the Merchant and SOWIZ.

3. Refund Process & Estimated Timelines

All SOWIZ payments are processed through our payment gateway partners (methods may include Visa, Mastercard, PayPal, PayNow, and GrabPay). If a refund is approved, funds will be returned via the original payment method where possible, with estimated timelines as follows:

• Visa / Mastercard: Refunds typically appear on your card statement within 7 to 14 business days (up to 45 business days for some international card issuers).
• PayPal: Refunds are usually credited to your PayPal balance within 3 to 10 business days.
• PayNow / GrabPay: Refunds are typically returned to your linked account or wallet within 3 to 15 business days.
• Other bank transfer methods: Where a return to the original method is not possible, a manual bank transfer may take 3 to 5 business days after we verify your account details.

4. How to Request a Refund

To submit a refund or cancellation request, please follow these steps:

1. Email harits@sowiz-sg.com with the subject: [REFUND REQUEST] Your Business Name - Transaction ID.
2. Attach official payment proof (receipt, payment gateway success notification, or bank statement).
3. State your detailed reason for the refund and, if a bank transfer is required, provide the destination bank account details (in the same name as the registrant).

Our Support team will review your request within 2 business days (2×24 hours).

5. Contact Us

If you need further help regarding this Refund & Cancellation Policy, please contact us at: