Installment Plan Cancellation & Refund Policy

OFFICIAL INSTALLMENT PLAN CANCELLATION & REFUND POLICY Parent Group: Member of the UAU Group CAC Registration No: 9589220 Website: www.360phonedevices.com | Customer Support Hotline: 08145781290 Lagos Office: 15 Makinde Street, by Ajo Plaza, Lagos State. Enugu Center: 228 Agbani Road, Opp. Union Boys Sec. School, Enugu State. 📌 OVERVIEW At 360PHONEDEVICES, we offer flexible installment payment plans to ensure premium mobile devices, laptops, and appliances are accessible to all our customers. Because we reserve products, lock in market prices, and incur administrative and field logistics costs from the day a plan is initialized, all cancellations are governed by the strict terms outlined below. 📋 CANCELLATION TERMS & DEDUCTIONS 1. The 30% "Gate Fee" Administrative Deduction In the event that a customer chooses to voluntarily cancel an active installment payment plan before its full completion, 360PHONEDEVICES will deduct thirty percent (30%) of the total amount paid up to the date of cancellation. This 30% deduction serves as the non-refundable "Gate Fee" to cover administrative processing, field collection logistics, inventory holding, and price-lock risk management. The customer will receive a refund of exactly seventy percent (70%) of their total accumulated payments. ⏱️ REFUND PROCESSING & DELIVERY TIMELINES 2. Processing Window All approved refund requests will be processed within a maximum of seven (7) working days from the date the cancellation request is officially logged and verified. 3. Refund Delivery Channels A. Offline & Passbook Customers (Field Collection) For customers registered through our offline field collection system: Your 70% cash refund will be physically delivered and handed over to you directly by your assigned Field Collection Officer upon verification of your official 360PHONEDEVICES Passbook. The Passbook must be handed back and signed off by both the customer and the Collection Officer to officially close the account. B. Online & Mobile App Purchases For customers who initialized their purchases via our website (www.360phonedevices.com) or the 360 PHONEDEVICES Android application: You must initiate your refund request directly by contacting our dedicated Customer Service Hotline at 08145781290. Once verified, your 70% refund will be processed via electronic bank transfer to your registered account details within 7 working days. ✍️ CUSTOMER ACKNOWLEDGMENT Notice to Customers: By making your starting deposit, downloading our app, or accepting a physical 360PHONEDEVICES Passbook, you acknowledge that you have read, understood, and agreed to this 30% Gate Fee Cancellation Policy. 💡 Recommendation for Implementation In Passbooks: Print this summary directly on the inside back cover of all physical passbooks. In App / Website: Add a mandatory checkbox during the ₦500 checkout flow that says: "I agree to the 30% Gate Fee cancellation policy." This protects your company legally if a customer ever requests a refund.