Cancellation & Refund Policy

This Policy applies to all purchases made through VMN NEWS websites, mobile applications, and related digital services.

By purchasing any product or service from us, you acknowledge and agree to this Cancellation & Refund Policy.

Certain transactions on our platform are processed by Paddle.com Market Limited ("Paddle"), acting as the Merchant of Record (MoR).

When Paddle acts as the Merchant of Record:

• Paddle becomes the legal seller of record for the transaction.
• Paddle may process payments, taxes, invoices, refunds, and chargebacks.
• Users may see Paddle's name on receipts, invoices, payment confirmations, or bank statements.

Unless otherwise stated for a specific product or service, eligible purchases may be refunded within 30 calendar days from the date of purchase.

Refund requests submitted after the 30-day period may not be eligible for approval except where required by applicable law.

Users may cancel recurring subscriptions at any time.

Cancellation will:

• Stop future billing cycles.
• Prevent automatic renewal.
• Allow continued access until the end of the current billing period unless otherwise specified.

Cancellation does not automatically guarantee a refund. Refund eligibility remains subject to this Policy.

For transactions processed by Paddle, refund requests should be submitted directly through Paddle's support system.

Users may request refunds through: https://paddle.net

When submitting a refund request, users may be required to provide:

• Purchase receipt
• Transaction ID
• Registered email address
• Reason for refund request

Refund requests are reviewed individually.

Factors considered may include:

• Time elapsed since purchase
• Technical issues experienced
• Billing errors
• Duplicate transactions
• Fraud concerns
• Applicable consumer protection laws

Approval or rejection of refunds may be determined by Paddle and/or Vermaverse OPC Private Limited depending on transaction structure.

Refund requests may be denied when:

• The request is made after the applicable refund period.
• Fraudulent activity is suspected.
• The user violates the Terms of Service.
• The purchase has already been refunded.
• The transaction is subject to restrictions imposed by law.

Users are encouraged to contact Paddle or VMN NEWS support before initiating chargebacks through their bank or card issuer.

Fraudulent or abusive chargeback activity may result in:

• Account suspension
• Service restrictions
• Termination of access

Approved refunds are generally processed within:

• 5–10 business days for card payments
• Additional time depending upon banking institutions

Actual timelines may vary depending on the payment provider.

Nothing in this Policy limits any rights available under applicable consumer protection laws.

Where local laws provide additional refund rights, those rights shall prevail.

We may update this Cancellation & Refund Policy from time to time.

Updated versions will be published on this page with a revised effective date.

Continued use of our services after changes become effective constitutes acceptance of the revised Policy.