Refund Policy

This Refund Policy ("Policy") applies to paid products and services offered by Okanewatch LTD through AMLRegister, including monthly or annual subscriptions, usage-based billing (for example, API calls), prepaid credits, and one-off professional services. It does not apply to the free wallet-check feature available on the public website at no cost.

The Policy is written to balance our commitments to customers with the economic realities of delivering a cloud service that incurs infrastructure and personnel costs in real time. Where the law in your jurisdiction — including consumer-protection law — grants you rights that exceed this Policy, those statutory rights prevail.

The Policy applies uniformly regardless of the payment method used. Chargebacks initiated without first requesting a refund may be reported as disputed transactions to the processor, and will not create an advantage over following the process described here.

The free wallet-check feature is provided without charge, without commitment, and without warranty beyond those mandatory warranties that cannot be excluded by law. We do not refund or otherwise compensate users for temporary unavailability, specific results, or discontinuation of the free service.

If you believe the Service has caused you damage in the specific circumstances of the free feature, please refer to the limitation of liability in our Terms of Service.

If you are a consumer — that is, a natural person acting outside your trade, business, craft, or profession — you have a statutory right of withdrawal of fourteen (14) calendar days from the conclusion of the contract. To exercise the right, contact support@amlregister.com with a clear statement of your intention to withdraw. We will refund the subscription fee paid for the current billing period.

By beginning to use the paid service (for example, using paid API calls or downloading premium reports), you acknowledge that we may reasonably deduct a proportionate amount of the fee for services already rendered.

Business customers (including sole traders acting in a commercial capacity) are not subject to the consumer cooling-off period. Trial arrangements, where available, offer a similar window to evaluate the service.

You may cancel a subscription at any time. Cancellation takes effect at the end of the then-current billing period. You retain access until the end of the period. We do not issue pro-rated refunds for partial periods except as required by law or expressly stated in a specific commercial agreement.

Annual subscriptions are non-refundable after the cooling-off period except where a material breach by us has occurred and remains uncured for thirty (30) days after written notice. Where a refund is due, it will be pro-rated for the unused portion of the period.

Auto-renewal may be disabled at any time from your account. We send reminder emails before each auto-renewal. If a charge is applied after you have disabled auto-renewal or cancelled in writing, contact us promptly for correction.

Usage-based fees — for example, per-API-call charges — are billed in arrears and reflect actual consumption. We do not refund validly incurred usage fees. Clearly erroneous usage (for example, duplicate charges due to a billing-system bug) is corrected on request.

Prepaid credits are non-refundable once purchased, but unused credits remain available for twelve (12) months from the date of purchase and can be used towards any eligible paid feature during that window. Extensions may be granted at our discretion in cases of prolonged service outage.

If you have a legitimate dispute about a usage charge, contact support@amlregister.com within thirty (30) days of the invoice date with reference to the relevant line items. Our support team will investigate and correct where appropriate.

Professional services — such as onboarding, training, custom integrations, or compliance-consulting engagements — are governed by a separate statement of work ("SOW"). Refund and cancellation terms are set out in the SOW and vary with the nature of the work.

Where a milestone has been delivered and accepted, associated fees are non-refundable. Where work in progress is abandoned by us for reasons other than customer breach, fees will be refunded on a pro-rated basis. Expenses incurred prior to cancellation remain payable.

Detailed professional services questions should be addressed to your account manager or compliance@amlregister.com.

Enterprise customers with a documented service level agreement ("SLA") are entitled to service credits where uptime or performance falls below the committed thresholds. Service credits are calculated as a percentage of the affected period's fees, as specified in the SLA, and are applied to the next invoice.

Service credits are the sole and exclusive remedy for SLA breaches and are not refunds in cash. Claims for service credits must be submitted within thirty (30) days of the incident that gave rise to them, with supporting evidence.

The SLA, including availability targets and remedies, is made available to eligible enterprise customers at contract signature. Contact your account manager for details.

To request a refund, email support@amlregister.com with (a) the account identifier or billing email, (b) the invoice or transaction reference, (c) the amount requested, and (d) the reason. We aim to acknowledge within two (2) business days and process within ten (10) business days of approval.

Approved refunds are returned to the original payment method. Where the original method is unavailable (for example, an expired card), we will work with you to identify an alternative method consistent with anti-money-laundering controls.

Refunds requested in bad faith, or following a violation of the Terms of Service or Acceptable Use Policy that justified our suspension or termination of the account, will be declined. Where partial refunds are appropriate for policy breaches, we will explain the basis for the deduction.

Refunds are made in the currency of the original payment, net of any non-refundable payment-processor fees. Where applicable tax has been charged, the refund will include the tax proportionately.

Exchange-rate movements between purchase and refund are the customer's responsibility and are not compensated separately. Where local tax authorities require additional filings in connection with a refund, we will issue appropriate documentation to support your filings.

If you dispute a charge, please contact us first. Filing a chargeback without prior contact makes resolution slower, may result in account suspension, and may involve fees charged by the payment processor that we are entitled to recover from you.

Where a chargeback is filed, we will respond to the issuing bank with evidence of the transaction and, if applicable, the service provided. Account access may be suspended pending resolution.

Where applicable, VAT is charged on invoices issued to customers located in the UK and EU. Business customers that are VAT-registered in an EU Member State may be invoiced under the reverse-charge mechanism, provided they supply a valid VAT registration number at onboarding and the place-of-supply rules support the treatment.

For customers located outside the UK and EU, we apply local sales tax rules where we are registered for collection in the relevant jurisdiction. We maintain registrations in jurisdictions where our activity triggers a filing obligation; customers can request a current list through their account manager.

Invoices include the information required under the relevant tax rules and are retained in accordance with tax-law retention periods (which often exceed our standard data retention). Customers needing corrections to issued invoices should contact our billing team within sixty (60) days of issue.

If we are required by regulator action or court order to withdraw the Service in a jurisdiction, customers in that jurisdiction who have prepaid for future periods will receive a prorated refund of the unused portion. We will endeavour to provide reasonable notice before withdrawal, unless the regulator's order requires immediate effect.

Where we voluntarily discontinue a feature that a customer relied upon, the customer can, within thirty (30) days of the discontinuation notice, request a prorated refund for the remainder of the affected term. Alternative plan options and migration support are usually offered in lieu of refund; the choice is the customer's.

Where a sub-processor dependency is removed at our initiative, we assess whether the change materially affects the customer's use of the Service and, if so, treat the change as equivalent to feature discontinuation for refund purposes.

In the event that Okanewatch LTD ceases to trade, customer assets and refund entitlements will be handled in accordance with insolvency law and any applicable customer-protection provisions in our contracts. We maintain business continuity and insurance arrangements to minimise the likelihood of such a scenario.

Although our general policy is not to refund partial periods, there are specific scenarios in which prorated adjustments are made. These include: upgrade or downgrade of a subscription mid-cycle; material breach of our service-level commitments giving rise to service credits under an SLA; duplicate charges caused by a billing error; and termination for our material breach after the cure period has expired without remedy.

In each case, the adjustment is calculated on a per-day basis over the affected period. Adjustments are typically applied as credits against future invoices rather than returned as cash, unless the customer has terminated the relationship, in which case a cash refund is made.

For seat-based or user-count-based subscriptions, mid-cycle removals of users do not generate refunds for the current period. Added users are charged on a prorated basis from the date of addition. Customers can batch changes to coincide with the start of a billing period to simplify the accounting.

Where a customer's consumption pattern changes materially — for example, a surge in API usage beyond plan limits — overage charges apply to the additional consumption. Customers concerned about overage can request soft or hard caps to be configured on their account.

Charges that are declined by the customer's bank or card issuer are not considered payments received. We will retry in accordance with the payment processor's rules and, if repeated declines occur, place the account into a grace period before suspension. During grace, the customer retains access to existing reports but loses the ability to run new screenings.

If a chargeback is initiated, we generally respond with evidence of service delivery. Where the chargeback is obviously erroneous — for example, the customer forgot the transaction — we close the dispute upon request, provided the customer authorises our communication with the issuer. Where the dispute is contentious, we prefer to resolve directly with the customer rather than through the issuer.

Fraud-related declines (for example, a stolen card used for subscription) are handled by our fraud-prevention processes. The subscription is paused, the affected account is investigated, and, if the case is confirmed, service is either cancelled or reinstated on a valid payment method. We cooperate with law enforcement where the underlying fraud warrants referral.

Banking rules and payment-network rules place specific obligations on customers making chargebacks, including time limits. Customers should also be aware that repeated chargeback activity can result in permanent termination of service and, in extreme cases, blacklisting by payment networks.

We may update this Refund Policy from time to time. The updated version will be posted at this URL with a new Effective date. Changes will apply prospectively and will not affect refund requests properly submitted under the prior version. For material changes that adversely affect subscribed customers, we will provide at least thirty (30) days' notice.

If you disagree with a revised Refund Policy, your remedy is to cancel your subscription in accordance with the Policy then in effect. Continued use of the paid Service after the Effective date constitutes acceptance of the revised Policy.

Contact support@amlregister.com with any questions or concerns. We review all refund correspondence with care.

For the avoidance of doubt, the rights set out in this Refund Policy are in addition to — and not instead of — any statutory consumer rights you may have in your jurisdiction. Where a statutory right grants a remedy greater than what this Policy provides, the statutory right prevails. Where a commercial contract with us provides a remedy greater than this Policy, the commercial contract prevails. Where the language of this Policy and any other document differ, the document most favourable to you in the specific context controls.