Refund and Cancellation Policy

Last Updated: January 2026

1. General

Payments made to JMD Investment & Commodities Trading (JMDICT) are strictly linked to institutional service engagements, project-financing allocations, or programmatic disbursements. These are not retail consumer transactions and are governed by the terms of the relevant contractual agreements.

2. Refund Process

Refunds are processed only when approved in accordance with the applicable contract or program guidelines. If a refund is approved:

1. JMDICT will submit the refund request to the acquiring bank.
2. The acquiring bank will process the refund to the original payment method.
3. Refunds must be requested within 30 calendar days from the date of the original transaction.
4. Standard bank processing timelines apply, typically 5–14 business days.

Note: JMDICT is not responsible for delays caused by the bank or payment provider.

3. Cancellations

• Payment transactions may only be cancelled before settlement.
• Once a transaction has been settled, the refund process outlined above must be followed.
• Requests for cancellation or refund after 30 days from the transaction date may not be accepted, except where required by contract or regulatory obligations.

4. Institutional Client Services Contact

For assistance with refunds or cancellations:

• Phone: +44 7444 012762 (UK) | +1 868 319 4727 (TT)
• Email: director@jmduk.uk | jmd@jmdtrade.com
• Support Hours: Monday–Friday, 9:00 AM – 5:00 PM UK Time (GMT/BST)

Please ensure all refund or cancellation requests include transaction details, reference numbers, and the relevant contract or program information to facilitate timely processing.