Refund Policy

Effective Date: 11 August 2026
Last Updated: 11 August 2026

At VR Associates / VRA Groups (“VRA Groups”, “we”, “us”, or “our”), we aim to maintain transparent and fair commercial practices across our businesses, services, projects, and customer relationships.

This Refund Policy explains the general principles applicable to payments made to VRA Groups through our website or in connection with our products, services, bookings, projects, and other commercial arrangements.

Because VRA Groups may operate across different business activities, the specific refund terms applicable to a transaction may vary depending on the nature of the product or service purchased.

Where a separate quotation, booking confirmation, service agreement, project agreement, purchase order, invoice, or other written contract contains specific refund or cancellation terms, those terms will take precedence over this general Refund Policy to the extent of any inconsistency.

Scope of This Policy

This Refund Policy applies generally to payments made directly to VRA Groups for products, services, bookings, projects, or other commercial transactions, unless a separate written agreement or specific transaction policy applies.

This policy is intended to provide general guidance and does not override legally applicable consumer rights or other mandatory rights under applicable law.

General Refund Principle

Refund eligibility depends on the nature of the transaction, the stage at which cancellation is requested, the work or service already performed, and the applicable agreement.

Unless otherwise agreed in writing:

Payments for completed services are generally non-refundable.
Payments relating to work already commenced may not be refundable to the extent that costs or services have already been incurred or delivered.
Advance payments, deposits, booking amounts, or project mobilization payments may be subject to specific cancellation terms.
Refunds are not automatically available simply because a customer changes their mind after a service or project has commenced.
Any refund will be considered in accordance with the applicable agreement, this policy, and applicable law.

Advance Payments and Deposits

Certain services, projects, bookings, or commercial engagements may require an advance payment or deposit.

Advance payments may be used to:

Reserve a service or booking
Allocate resources
Purchase materials
Begin project preparation
Commence professional or creative work
Arrange personnel or third-party services
Secure availability
Cover initial administrative or operational expenses

Once work has commenced or resources have been committed, the advance payment may become partially or fully non-refundable, depending on the applicable transaction terms.

Where a separate agreement specifies that an advance payment is non-refundable, that condition will apply subject to applicable law.

Cancellation by the Customer

Customers who wish to cancel a service, project, booking, or order should contact VRA Groups as soon as possible.

Cancellation requests should include:

Customer name
Contact details
Invoice, booking, order, or reference number, where applicable
Date of payment
Description of the service, product, project, or booking
Reason for cancellation
Refund details, where applicable

A cancellation request does not automatically create an entitlement to a refund.

The amount, if any, that may be refunded will depend on the applicable commercial terms and the stage of the transaction.

Services Already Commenced

If VRA Groups has already started providing a service or carrying out work before a cancellation request is received, we may retain an amount corresponding to:

Services already delivered
Work completed
Time and resources already committed
Third-party costs already incurred
Materials purchased or allocated
Administrative costs
Non-recoverable expenses
Other costs reasonably incurred in connection with the engagement

Where appropriate, any remaining eligible balance may be considered for refund.

Digital, Creative, Consulting, and Professional Services

For services involving intellectual, creative, professional, digital, consulting, design, development, documentation, marketing, technology, or similar work, refunds may be limited once work has commenced.

Examples may include:

Website development
Website maintenance
Digital marketing
Branding and design
Advertising services
Content creation
Video production
Consulting
Business documentation
Project planning
Technology services
Other customized professional services

Where a service requires significant customized work, a refund may not be available for work already completed or resources already allocated.

The specific terms contained in the relevant quotation, proposal, invoice, or service agreement will determine the applicable refund conditions.

Products and Physical Goods

Where VRA Groups sells physical products, any applicable return or refund will depend on:

The nature of the product
Product condition
Delivery status
Whether the product is customized
Applicable manufacturer or supplier terms
Applicable law
The specific purchase terms communicated at the time of purchase

Products that have been customized, specially manufactured, used, damaged, altered, or supplied specifically according to customer requirements may not be eligible for return or refund unless otherwise required by applicable law.

Where a separate product-specific return policy exists, that policy will apply.

Bookings, Reservations, Events, and Tourism Services

For bookings, reservations, tours, travel-related services, events, activities, accommodation arrangements, transportation, or tourism-related services, cancellation and refund conditions may vary significantly.

The applicable booking confirmation or service agreement may specify:

Cancellation deadlines
Cancellation charges
Refund percentages
Non-refundable booking amounts
Rescheduling conditions
No-show conditions
Date-change charges
Third-party supplier conditions

Where a booking involves third-party operators, accommodation providers, transportation providers, activity providers, or other suppliers, their applicable cancellation and refund conditions may also apply.

Customers should review the cancellation terms provided at the time of booking.

Construction, Development, Property, and Project-Related Transactions

For construction, development, property, infrastructure, or other long-term projects, payments may be governed by separate agreements containing specific terms relating to:

Booking amounts
Project advances
Milestone payments
Cancellation
Termination
Construction progress
Materials
Procurement
Contractor or supplier costs
Delays
Force majeure
Project-specific obligations

Where such an agreement exists, the refund or settlement provisions contained in that agreement will govern the transaction.

This website Refund Policy does not replace or modify the terms of a separately executed project or commercial agreement.

Non-Refundable Charges

Certain charges may be identified as non-refundable before payment is made.

These may include, depending on the transaction:

Booking fees
Administrative charges
Processing charges
Consultation fees
Customized service fees
Third-party charges
Government or statutory fees
Payment processing charges, where applicable
Costs already incurred on behalf of the customer
Charges relating to completed work

Any applicable non-refundable component should, where reasonably practicable, be communicated to the customer before or at the time of purchase or engagement.

Refunds for Cancelled Services by VRA Groups

If VRA Groups cancels a service, booking, project, or transaction for reasons attributable to VRA Groups, the applicable refund will be determined according to the relevant agreement and applicable law.

Where appropriate, VRA Groups may offer one or more of the following:

Full refund
Partial refund
Rescheduling
Alternative service
Credit toward another service
Other mutually agreed resolution

The appropriate remedy will depend on the nature and circumstances of the transaction.

Where cancellation is caused by a third party, external event, government restriction, natural event, or other circumstance outside our reasonable control, the applicable contractual terms will determine the available remedy.

Failed or Duplicate Payments

If your payment has been deducted from your bank account or payment method but the transaction was not successfully completed, please contact us with the relevant transaction details.

Where we receive confirmation of a failed or duplicate payment, we will take reasonable steps to investigate the transaction and process an eligible refund or correction.

Refund timing may depend on the payment gateway, bank, card issuer, or other financial institution involved in the transaction.

Payment Gateway and Processing Charges

Where a refund is approved, the amount returned may be subject to deductions that are expressly permitted under the applicable transaction terms or law, including certain non-recoverable third-party charges.

We will not impose deductions that are prohibited by applicable law.

How to Request a Refund

To request a refund, please contact VRA Groups using the contact details provided below.

Your request should include:

Name:
Your full name or organization name

Contact Information:
Email address and phone number

Transaction Details:
Invoice number, order number, booking reference, or other transaction identifier

Payment Date:
Date on which payment was made

Refund Request:
A brief explanation of the reason for requesting the refund

Supporting Documents:
Relevant invoice, receipt, booking confirmation, or payment proof, where available

Refund requests should be submitted as soon as reasonably possible after the issue giving rise to the request occurs.

Refund Review Process

Once we receive a refund request, we may review:

The relevant transaction
The applicable quotation, invoice, agreement, or booking terms
The services or products already delivered
Work completed or resources committed
Cancellation timing
Third-party costs
The reason for the refund request
Applicable legal requirements

We may contact the customer if additional information is required.

Approval of a refund is determined according to the applicable transaction terms, this policy, and applicable law.

Refund Processing Time

Once a refund has been approved, we will generally initiate the refund within a reasonable processing period.

The time required for the refunded amount to appear in the customer’s account may depend on the original payment method, payment gateway, bank, card issuer, or other financial institution.

Accordingly, VRA Groups cannot guarantee the exact date on which a refunded amount will appear in the customer’s account.

Refund Method

Where reasonably possible, approved refunds will be made using the original payment method used for the transaction.

In certain circumstances, an alternative refund method may be used where:

The original payment method is unavailable
The payment provider requires an alternative process
The parties agree to an alternative method
Applicable law or financial requirements require another method

We may request reasonable information necessary to process the refund securely.

Disputes and Payment Disputes

Before initiating a payment dispute or chargeback, customers are encouraged to contact VRA Groups and provide an opportunity to investigate and resolve the issue.

Nothing in this section restricts any legal or consumer rights available to you under applicable law.

If a chargeback or payment dispute is initiated, we may provide relevant transaction records to the payment provider, bank, or applicable financial institution for investigation.

Fraudulent or Unauthorized Transactions

If you believe that a payment has been made using your payment method without authorization, you should immediately contact your bank, card issuer, payment provider, and VRA Groups.

We may investigate suspected fraudulent or unauthorized transactions and take appropriate action.

Refunds relating to unauthorized transactions may be subject to verification and applicable payment-provider procedures.

Exceptions and Special Circumstances

VRA Groups may consider exceptional refund requests on a case-by-case basis where circumstances reasonably justify doing so.

Such consideration does not create an automatic right to a refund or establish a precedent for future transactions.

Any exception will be subject to applicable law and the circumstances of the individual transaction.

Statutory and Consumer Rights

Nothing in this Refund Policy is intended to remove, restrict, or exclude any rights, remedies, guarantees, or protections that cannot legally be excluded under applicable law.

Where applicable law provides a mandatory right to cancellation, return, refund, replacement, compensation, or another remedy, that legal right will continue to apply.

If any provision of this Refund Policy conflicts with a mandatory requirement of applicable law, the mandatory legal requirement will prevail.

Changes to This Refund Policy

VRA Groups may update this Refund Policy from time to time to reflect changes in:

Our business activities
Products or services
Payment processes
Cancellation procedures
Technology
Commercial practices
Applicable laws or regulations

Any updated version will be published on this page with a revised “Last Updated” date.

We encourage customers to review this page periodically.

Contact Us

For questions regarding refunds, cancellations, payments, or this Refund Policy, please contact us.

VR Associates / VRA Groups

General Business Email:
privacy@vragroups.com

Subject: Refund Request / Refund Policy Inquiry

Please include your transaction or booking reference wherever possible so that we can process your request efficiently.

Acceptance of This Refund Policy

By making a payment to VRA Groups or using services offered through the VRA Groups website, you acknowledge that you have read and understood this Refund Policy, subject to any specific terms applicable to your individual transaction.

Where a separate written agreement, quotation, booking confirmation, invoice, or service-specific policy applies, that document will govern the relevant refund and cancellation terms to the extent permitted by applicable law.