Refund & Cancellation Policy

This Refund & Cancellation Policy outlines the terms governing payments, cancellations, and refunds for services provided by CRIF Gulf DWC LLC (“CRIF GULF”).

1. Payment Terms

All services and information products are billed in accordance with the applicable Order Form and CRIF GULF’s pricing in force at the time of order confirmation.

• Full payment must be made in advance upon placing an order, unless otherwise specified.

• Payments must be made without any set-off or deduction.

• Invoices must be settled on or before the due date indicated. Failure to make timely payment may result in:

• Immediate acceleration of all outstanding amounts, which shall become due and payable upon notice.

• A late payment charge of 2% per month (or the highest rate permitted by applicable law, if higher) applied to overdue balances.

2. Subscription (Unit-Based) Services

For customers subscribing to unit-based services:

• Units must be purchased and paid in full in advance as specified in the Order Form.
• If usage exceeds the purchased units, additional usage will be invoiced and payable on demand at the prevailing price list.
• Unused units are non-refundable and cannot be carried forward unless explicitly agreed otherwise.

3. One-Off Purchases

For one-time purchases:

• Fees must be paid in full in advance before service delivery.
• The invoice will specify the products/services purchased and applicable charges based on the current price list.
• Once the service or information has been delivered or accessed, no refunds or cancellations will be permitted.

4. Cancellation Policy

• Orders cannot be cancelled once they have been confirmed and payment has been processed.
• For subscription services, early termination by the customer does not entitle the customer to any refund, whether in whole or in part.

5. Refund Policy

• All payments made to CRIF GULF are non-refundable, except where required by applicable law.

• No refunds will be provided for:

• Unused subscription units

• Partially used services

• Delivered information products or reports

• Any exceptions to this policy shall be at CRIF GULF’s sole discretion and must be confirmed in writing.

6. Taxes

• All fees are exclusive of applicable taxes, including VAT or other government-imposed charges.
• Customers are responsible for paying all applicable taxes and shall reimburse CRIF GULF for any taxes paid, collected, or withheld in connection with the services.