Refund Policy

Last Updated: 23 January 2026

1. Nature of Services

JMD Investment & Commodities Trading (JMDICT) provides business-to-business (B2B), institutional, project finance, and trade-related services. Transactions are conducted on a pre-authorized, issuer-approved basis and are not consumer retail purchases.

Services provided by JMDICT are customized, transaction-specific, and often irreversible once initiated.

2. Refund Eligibility

Refunds are not automatic and are assessed on a case-by-case basis. A refund may be considered only under the following circumstances:

• A transaction was authorized but not executed
• A transaction was duplicated in error
• A transaction failed due to a documented technical or processing error attributable to JMDICT

Refunds are not available for:

• Successfully executed and authorized transactions
• Services already rendered or completed
• Delays or failures caused by third-party banks, issuing institutions, payment networks, or regulatory reviews
• Changes in market conditions, project timelines, or counterparty decisions

3. Cooling-Off Period

Refund requests must be submitted within thirty (30) calendar days from the date of the original transaction. Requests received after this period will not be eligible for review, except where required by applicable law or regulatory obligation.

4. Refund Request Process

All refund requests must be submitted in writing and must include:

• The transaction reference number
• Supporting documentation
• A clear explanation of the reason for the refund request

Refund requests are reviewed in coordination with relevant banking, issuing, or settlement partners where applicable.

5. Refund Method and Timing

If a refund is approved:

• Refunds will be issued only to the original payment method used for the transaction
• Processing times are subject to issuing bank and payment network timelines
• JMDICT does not control or guarantee the posting time of funds once released

Where permitted, administrative or processing fees may be deducted from the refunded amount.

6. Chargebacks and Disputes

Given the issuer-authorized, institutional nature of JMDICT transactions:

• Clients agree to contact JMDICT directly to resolve any concerns prior to initiating a chargeback or dispute
• Unwarranted or abusive chargeback activity may result in account suspension or termination

7. Regulatory and Compliance Considerations

All refund activity is subject to applicable AML, CFT, sanctions, and regulatory screening requirements.
JMDICT reserves the right to delay or decline refunds where required to comply with legal, regulatory, or contractual obligations.

8. Contact Information

For refund-related inquiries, please contact:

JMD Investment & Commodities Trading (JMDICT)
Phone: +44 7444 012762 | +1 868 319 4727
Email: director@jmduk.uk | jmd@jmdtrade.com

Support Hours: Monday to Friday, 9:00 AM – 5:00 PM (UK Time, GMT/BST)