Refund Policy

1. Introduction & Commitment

This Refund Policy ("Policy") governs cancellations and refunds for services provided by SOGAM MEDICAL LLC, a Florida Limited Liability Company (Document No. L23000369609, EIN 93-2871943), principal address 7901 4th St N Ste 300, St. Petersburg, FL 33702, managed by Aaron-Nickolaos Zervos.

This Policy applies alongside your Service Agreement and our Terms of Service. We are committed to fair, transparent outcomes consistent with Florida and applicable U.S. consumer protection standards.

Questions? Email [email protected].

2. Eligibility Overview

Refund eligibility depends on the phase of service, work or care already delivered, third-party costs incurred, and the terms of your signed Agreement. All requests must be submitted in writing by the authorized signatory or designated contact.

3. Cancellation Before Service Start

We offer a 48-hour cooling-off period from the date of Agreement execution and initial payment. Cancellations submitted in writing within this window qualify for a full refund less a 5% processing/administrative fee, unless service delivery or third-party spend has already been initiated (those amounts may be deducted).

After 48 hours but before substantive service commencement, partial refunds may still be available if no meaningful work or procurement has been initiated; otherwise documented costs will be deducted.

4. Cancellation During Active Service

Cancellations after service delivery has begun are handled on a prorated basis. You remain responsible for services already rendered and non-recoverable third-party costs. Remaining prepaid amounts may be refunded. We provide a written breakdown within 5–10 business days of the request.

Deliverables or records for paid, completed portions will be made available subject to the Terms of Service and applicable payment requirements.

5. After Service Delivery

Once you formally accept or acknowledge completion of services (written sign-off, explicit approval, or lapse of an agreed review window), fees are generally earned and non-refundable. Material failures covered by the warranty in Section 12 will be remedied — a cash refund is not the default post-acceptance remedy.

6. Non-Refundable Items

• Non-recoverable third-party charges (labs, facility fees, vendor costs) incurred for your service.
• Rush or expedited service fees once resources have been allocated.
• Materials or supplies acquired specifically for your care or service.
• Payment processor fees charged by financial institutions.
• Consulting or assessment deliverables already performed and documented in your Agreement.

7. How to Request a Refund

1. Email [email protected] with subject line: "Refund Request — [your name / account]".
2. Include: your full name, organization (if applicable), Agreement date, amounts paid, payment method, and reason for request.
3. We acknowledge receipt within one (1) business day and assign a reference number.
4. We complete our review and provide a written decision with calculations — typically within 5–10 business days; complex cases may take longer and you will be notified.

8. Refund Processing Timeline

Approved refunds are issued to the original payment method where possible. Card refunds typically post within 5–10 business days depending on your financial institution. ACH or wire transfers may take longer, particularly for international transactions.

9. Partial Refunds & Credits

Where mutually agreed, SOGAM MEDICAL LLC may issue a service credit in lieu of a cash refund. Any credit offered will be documented in writing with defined expiration date, applicable services, and any conditions.

10. Dispute Resolution

Please first escalate concerns to your assigned point of contact at SOGAM MEDICAL. If unresolved, contact Client Services at [email protected]. If still unresolved, the dispute resolution procedures in our Terms of Service apply — including good-faith negotiation, mediation, and if necessary, arbitration in Pinellas County, Florida. Governing law: State of Florida.

11. Chargebacks

Please contact us before initiating a chargeback or payment dispute. Unauthorized or bad-faith chargebacks may result in suspension of services, and we will provide all relevant documentation to the payment processor to respond to disputed charges. Legitimate fraud claims will be handled promptly and cooperatively.

12. Satisfaction Guarantee / Warranty

For thirty (30) days following formal acceptance of completed services, SOGAM MEDICAL LLC will address reproducible issues or defects that materially fail the written specifications in your Agreement, consistent with our Terms of Service. Exclusions include changes requested after completion, out-of-scope elements, and issues arising from third-party platform updates beyond reasonable support.

13. Exceptions & Force Majeure

Where applicable law in your jurisdiction requires a different outcome for consumers, mandatory legal rules prevail over this Policy. In the event of a prolonged force majeure event, either party may terminate services as described in the Terms of Service; any refunds owed will be prorated for services not yet delivered.

14. Contact