Refund Policy

01Overview

Wathiqa is operated by Somatic Wellness Consulting FZC, registered in the Ajman Free Zone, United Arab Emirates ("Wathiqa", "we", "us"), which is the seller of record for all purchases made through the platform. Card payments are processed by Stripe, Inc. ("Stripe") on our behalf; refunds we approve under this policy are executed through Stripe back to your original payment method. This Refund Policy sets out the circumstances in which you may obtain a refund for purchases made through our platform, and how to request one.

Because Wathiqa supplies digital content — credits and the policy packages they generate — refund eligibility depends on whether the digital content has already been delivered to you. The sections below explain how this works for each type of purchase.

02What You Are Purchasing

Access to policy generation is governed by a credit system. Credits are purchased in packages and redeemed to generate gender equality policy packages, each consisting of four documents: a Policy Document, Procedural Guide, Activation Plan, and Monitoring Guidelines.

• Free — 1 credit at no charge
• Starter — 5 credits for $29
• Growth — 20 credits for $99
• Organization — 60 credits for $279

A purchase therefore has two stages: buying credits, and later redeeming a credit to generate a policy package. Your refund rights differ depending on whether a credit has been redeemed (see sections 4 and 5).

03EU / UK Right of Withdrawal

If you are a consumer in the European Union or the United Kingdom, you generally have a 14-day right to withdraw from a distance purchase. For digital content, this right is lost once you have expressly requested immediate delivery and acknowledged that you thereby lose the right of withdrawal, in line with the EU Consumer Rights Directive (2011/83/EU, Article 16(m)) and equivalent UK law.

When you redeem a credit to generate a policy package, you request immediate delivery of that digital content and the package is produced for you at once. The credit consumed in that generation is therefore not eligible for withdrawal. Credits you have purchased but not yet redeemed remain within the 14-day window and can be refunded as described in section 4.

Business customers purchase under our commercial terms; the consumer right of withdrawal does not apply to B2B purchases. Business customers in the EU purchasing under the VAT reverse-charge mechanism (see our Terms of Service, Section 4) are billed by Somatic Wellness Consulting FZC directly; the same refund eligibility rules in this policy apply regardless of whether the underlying charge was processed via Stripe or invoiced.

04Unused Credits

Credits you have purchased but not yet redeemed can be refunded within 14 days of the purchase date, for the unused portion, at the original price paid. Once that 14-day window has passed, unused credits remain valid until their 12-month expiry (see section 7) but are no longer eligible for a discretionary refund, except where a refund is required by applicable consumer protection law.

05Consumed Credits & Generated Policies

Once a credit has been redeemed and a policy package has been generated, the digital content has been delivered and that credit is non-refundable.

If a generation fails or a package is not delivered to you because of a technical fault on our side, this is not a consumed credit in the ordinary sense: contact us and we will re-generate the package or restore the credit to your account at no additional charge.

06Billing Errors & Duplicate Charges

If you believe you were charged in error — for example a duplicate charge, an incorrect amount, or a charge you did not authorize — contact us at wathiqaapp@gmail.com within 14 days of the charge. We will investigate promptly and, for any confirmed billing error, instruct Stripe to refund the charge in full to the original payment method.

07Credit Expiry

Credits expire 12 months from the purchase date of each package. Expired credits are forfeited and are not refundable. Where we hold a valid contact email for your account, we will send a reminder before your credits expire.

08Recurring Plans

If you subscribe to a recurring compliance plan, you may cancel at any time from your Settings page. Cancellation stops future renewals; your plan benefits continue until the end of the period you have already paid for. Fees already paid for the current billing period are non-refundable except where required by applicable consumer protection law. Current plan pricing is shown at checkout and in your account.

09How to Request a Refund

To request a refund, email wathiqaapp@gmail.com from the address associated with your account, including your order reference and the reason for the request. We aim to respond within 5 business days. Approved refunds are processed through Stripe back to the original payment method and may take up to 10 business days to appear, depending on your bank or card issuer.

10Statutory Rights & Governing Law

Nothing in this Refund Policy limits any non-waivable rights you have under applicable consumer protection law. This policy is governed by the laws of the United Arab Emirates and, where applicable, the Emirate of Ajman, where Somatic Wellness Consulting FZC is registered as the operator of the Wathiqa platform. Consumers in the EU and UK retain all rights granted by their local consumer protection law regardless of this clause.

For questions about this Refund Policy, contact us at our contact page or email wathiqaapp@gmail.com.