1. Overview
This Refund Policy explains how refunds, credits and cancellations are handled for consultancy, software development and digital technology services (the "Services") purchased from Howarig Traders Limited ("Howarig Traders," "we," "us," or "our") via www.howarigtrade.com or an associated invoice.
Because our Services are professional, project-based and often customized to a specific client's requirements, refunds are handled differently than for standard retail goods.
2. Deposits and Milestone Payments
Engagements are typically structured around a deposit, milestone payments or time-and-materials billing, as set out in the applicable proposal or Engagement Agreement.
Deposits secure our commitment of time and resources to a project and are generally non-refundable once work has commenced, except as set out in Section 4.
Milestone payments are due upon completion and delivery of the corresponding milestone, as agreed in the Engagement Agreement.
3. Cancellation by the Client
If a client cancels a project before work has commenced, any deposit paid may be refunded less any reasonable administrative costs already incurred.
If a client cancels a project after work has commenced, we will invoice for work completed and time reasonably incurred up to the cancellation date. Any amount paid in excess of that value will be refunded; any shortfall will be invoiced.
4. Refunds for Non-Delivery or Material Defects
If we fail to commence agreed work within a reasonable time through our own fault or fail to deliver a milestone that materially fails to meet the agreed specification and we are unable to remedy it within a reasonable period, the client may be entitled to a partial or full refund of the relevant payment, as assessed on a case-by-case basis.
Refund requests on this basis should be submitted in writing via our Contact form with a clear description of the issue, within thirty (30) days of the relevant delivery or missed milestone.
5. Post-Delivery Support and Bug Fixes
Where an Engagement Agreement includes a post-delivery support or warranty period, defects reported within that period will be assessed and, where confirmed to be our error, remedied at no additional cost, in place of a cash refund.
Refunds are not provided for change requests, new feature requests or changes in client requirements after delivery; these are treated as new scope and quoted separately.
6. Duplicate or Erroneous Payments
If you believe you were charged in error or a payment was duplicated, contact us immediately via our Contact form with the transaction date, amount and invoice reference. We will investigate and correct or refund any confirmed processing error promptly.
7. Non-Refundable Circumstances
Refunds will generally not be provided where:
Work has been delivered in accordance with the agreed specification and the client's dissatisfaction relates to subjective preferences not covered by the original scope;
The request is made after any applicable review or warranty period has lapsed; or
Delays or issues arose primarily from the client's own actions, such as late feedback, delayed access to systems or changing requirements.
8. How Refunds Are Paid
Approved refunds will be returned to the original payment method used, where technically possible, and are typically processed within fourteen (14) business days of approval.
9. Changes to This Policy
We may update this Refund Policy from time to time. Material changes will be posted on this website.
10. Contact Us
Howarig Traders Limited
PO Box 3996, Boroko, NCD, Papua New Guinea
Monian Haus, Level 2, Suite 3, Nita Street, Boroko
Website: www.howarigtrade.com
Contact: howarigtrade.com/contact