Refund & Return Policy

Last Updated: April 8, 2026  |  Effective Date: April 8, 2026

By purchasing any service or product from Eight Fold Cr8ation, you acknowledge that you have read, understood, and agree to this Refund Policy. Please review it carefully before making a purchase.

Overview

At Eight Fold Cr8ation, we strive for the highest quality in everything we deliver. This policy clearly defines the conditions under which refunds may be issued across our service and product categories. Given the bespoke and digital nature of most of our offerings, our refund terms are necessarily specific.

All refund requests are considered on a case-by-case basis in accordance with the terms below. We are committed to fair and transparent handling of all disputes.

1. Custom Services (Software, Design, Media, Consulting)

Deposits:

  • All deposits (typically 50% of total project value) are strictly non-refundable
  • Deposits cover project planning, resource allocation, and commencement of work
  • Paying a deposit constitutes formal acceptance of the project agreement and these Terms

Client-Initiated Cancellations:

  • You will be invoiced for all work completed up to the date of written cancellation notice
  • Work is assessed at our standard hourly or milestone rate
  • Any surplus from payments already made may be refunded after deducting all costs incurred
  • All partially completed deliverables remain the property of Eight Fold Cr8ation until settled

Revisions and Dissatisfaction:

  • Each project includes a specified number of revision rounds (as stated in the agreement)
  • Refunds are not provided after the Client has provided final written approval and delivery has occurred
  • Additional revisions beyond the agreed scope will be quoted and billed separately
  • Creative subjectivity does not constitute grounds for a refund after approval

2. Digital Products & Downloads

All Sales Are Final

Due to the instantly accessible and non-returnable nature of digital goods, all digital product sales are final once download access or product credentials are provided. You acknowledge this at the point of purchase.

Limited Exceptions (refund or replacement may be offered):

  • Technical defect: Product is demonstrably broken or does not function as described
  • Wrong product delivered: You received a different product to what was purchased - contact us within 24 hours
  • Duplicate charge: You were charged twice for the same product - we will refund the duplicate immediately

To Request a Refund for Digital Products:

  1. Email us at eightfoldcr8ation@gmail.com within 7 days of purchase
  2. Include your order number, purchase date, product name, and a clear description of the issue
  3. Attach screenshots or evidence of the defect or error
  4. Allow up to 5 business days for review; we will respond with a decision and next steps

3. Event Management & Media Production Services

Cancellation Timeline:

60+ days:Full refund minus 20% non-refundable administrative fee
30 - 59 days:50% refund of total contract value (deposit is non-refundable)
15 - 29 days:25% refund of total contract value
0 - 14 days:Non-refundable (vendor bookings, venue commitments, and resource allocations are non-recoverable)

Rescheduling:

Date changes requested more than 30 days in advance may be accommodated subject to availability. Rescheduling fees may apply. Changes within 30 days are treated as cancellations under the timeline above.

Force Majeure:

If an event must be cancelled due to circumstances beyond either party's reasonable control (natural disaster, government restriction, pandemic, etc.), we will work with you in good faith to reschedule or provide a fair credit. This is assessed on a case-by-case basis.

4. Subscriptions and Recurring Services

  • Monthly subscriptions may be cancelled with 30 days' written notice before the next billing date
  • No refunds are issued for unused portions of the current billing period
  • Annual plans may be cancelled within 14 days of purchase for a full refund, minus any services already consumed
  • Cancellation requests must be submitted in writing to eightfoldcr8ation@gmail.com

5. Refund Process and Timelines

How to Request a Refund:

  1. Email eightfoldcr8ation@gmail.com with subject line: "Refund Request - [Your Name / Order Number]"
  2. Include: order number, purchase date, service/product name, reason for refund, and any supporting evidence
  3. Our team will acknowledge receipt within 2 business days
  4. A decision will be communicated within 5 - 7 business days of full documentation received

Processing Time (once approved):

  • Paystack / card payments: 5 - 10 business days to reflect in your account
  • Mobile money (MoMo): 2 - 5 business days
  • Bank transfer: 7 - 14 business days depending on your bank
  • Refund will be issued to the original payment method only

Note: Transaction and processing fees charged by Paystack, Stripe, or mobile money providers are non-refundable and will be deducted from any approved refund amount.

6. Non-Refundable Items (Absolute)

The following are non-refundable under any circumstances:

  • Initial project deposits and non-refundable booking fees
  • Completed and client-approved deliverables
  • Third-party costs incurred on your behalf (domain registration, hosting, stock licences, venue bookings, printing)
  • Services already rendered (photography sessions completed, consultation hours billed, broadcast hours used)
  • Digital products where access or download has been granted
  • Custom orders or bespoke items created to your specifications
  • Rush or expedited service fees
  • Payment processing and transaction fees

7. Chargebacks and Payment Disputes

We ask that you contact us directly before initiating a chargeback with your bank or payment provider. Chargebacks initiated without prior communication will be contested. Fraudulent chargebacks for services legitimately delivered may result in:

  • Immediate suspension of your account and access to all services
  • Recovery of costs associated with responding to the chargeback dispute
  • Referral to Ghanaian law enforcement where fraud is suspected

8. Dispute Resolution

If you are unsatisfied with a refund decision, please follow these steps:

  1. Request a formal review by our management team in writing
  2. Provide all additional supporting documentation within 7 days
  3. We will conduct a final internal review within 10 business days
  4. If unresolved, the matter may be referred to mediation or the Ghanaian courts as outlined in our Terms and Conditions

9. Changes to This Policy

We reserve the right to modify this Refund Policy at any time. Updated versions will be posted on this page with a revised effective date. Changes do not apply retroactively to purchases made before the update date.

Contact Us

For refund requests or questions about this policy:

Email: eightfoldcr8ation@gmail.com

Phone: +233 20 546 0185 / +233 24 577 2016

Business Hours: Monday - Friday, 9:00 AM - 6:00 PM GMT

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