REFUND POLICY
Last updated: 08.03.2026
1. General Provisions
1.1. This Refund Policy (hereinafter — the “Policy”) defines the procedure, conditions, scope, and grounds for reviewing requests for the refund of funds paid for services provided by Razmik Khachatrian (hereinafter — the “Company”), by clients, customers, and other persons who have made payment in favor of the Company (hereinafter — the “Client”).
1.2. This Policy applies together with the Company’s other legal documents, including the Terms and Conditions, Service-Specific Terms, Website Usage Policy, and other applicable documents governing the relevant service, invoice, offer, order, or interaction format.
1.3. In the event of any conflict between this Policy and the Company’s other general documents, the specific provisions of this Policy shall prevail to the extent they directly regulate refund matters, unless otherwise expressly provided in an individual agreement, invoice, or other written document.
2. General Principle of Non-Refundability of Payments
2.1. As a general rule, all payments made to the Company for services, consultations, preparation of materials, support, document analysis, time reservation, coordination, organizational actions, project launch, engagement of specialists, or other actions within the scope of the agreed assignment are final and non-refundable.
2.2. Making a payment means that the Client has agreed to or accepted the material terms of the relevant service, including its nature, scope, price, format, limitations, performance procedure, and the legal consequences of the commencement of work.
2.3. Before making payment, the Client must independently review the service description, scope of work, price, performance conditions, limitations, additional expenses, communication procedure, and other material circumstances. If any information remains unclear, the Client must request clarification before payment is made.
3. Exceptional Grounds for Considering a Refund Request
3.1. Notwithstanding the general principle of non-refundability, the Company may, at its discretion, consider the issue of a full or partial refund in exceptional cases, including, but not limited to:
if the paid service was in fact not started due to the Company’s fault, and the Client did not receive any materials, work product, consultation, analysis, or confirmation that performance had commenced;
if, after payment was accepted, performance of the service became objectively impossible due to internal reasons of the Company that prevent continuation of work in the agreed format;
if the Company concludes that continuation of the service is impossible without violating the law, mandatory rules, applicable restrictions, or internal compliance requirements;
if there was an obvious and documented payment error, including a duplicate payment for the same service by the same payer;
if there are other exceptional circumstances which, in the Company’s reasoned discretion, are sufficient to justify a partial or full refund.
3.2. The existence of a refund request by itself does not create an obligation for the Company to issue a refund. Each case is reviewed individually, taking into account the specific circumstances, the stage of performance, the scope of work already completed, the expenses incurred, and the nature of the agreed service.
4. Cases in Which a Refund Is Generally Not Issued
4.1. As a general rule, no refund is issued if, by the time of the request, the Company has already commenced performance, including, but not limited to:
reviewing materials, documents, and circumstances;
preliminary analysis of a case, issue, or project;
preparing a strategy, text, consultation, letter, application, complaint, request, or any other material;
conducting correspondence, coordination, reserving time, or organizing interaction with partners or contractors;
providing an oral or written consultation in whole or in part;
delivering an interim or final work result to the Client.
4.2. A refund is also generally not issued if the Client:
changes their intention to use the service after performance has begun;
changes their mind without any breach on the part of the Company;
fails to provide the requested documents or information necessary for continuation of the work;
evades interaction, approvals, clarifications, or the performance of their own obligations;
acts contrary to the Company’s recommendations or provides inaccurate, incomplete, or contradictory information.
5. Procedure for Submitting a Refund Request
5.1. If the Client believes that their situation falls within the exceptional grounds, they must send an official request to the email address: mail@razmikkhachatrian.com.
5.2. It is recommended to indicate in the email subject line: Refund Request.
5.3. The request must contain:
the Client’s full details — first name, last name, patronymic (if applicable) or company name, as well as contact details;
the date of payment, payment amount, currency, payment method, and, where available, supporting documents;
a description of the circumstances on which the refund request is based;
documents confirming the stated circumstances, if such documents are available;
refund details, if the Company makes a positive decision.
5.4. If the request does not contain sufficient information for consideration, the Company may request additional data or leave the request without review until the deficiencies are remedied.
6. Procedure for Reviewing the Request
6.1. The Company reviews a refund request within a reasonable period, generally up to 14 business days from the date of receipt of the complete set of necessary information.
6.2. If necessary, the Company may request additional documents, explanations, proof of payment, correspondence, files, and other materials relevant to the assessment of the circumstances.
6.3. During the period while missing information is awaited, the review period may be suspended.
6.4. Following the review, the Company may:
deny the refund in full;
approve a partial refund;
approve a full refund;
propose another form of resolution if appropriate in light of the circumstances.
7. Partial Refund and Calculation of Deductions
7.1. If the Company has already commenced performance, incurred expenses, or completed part of the agreed actions, only a partial refund may be possible, if the Company considers this acceptable.
7.2. When calculating the possible refund amount, the Company may take into account:
the actual volume of work performed;
the time reserved and spent on the project;
prepared materials, documents, analyses, responses, and other work results;
expenses for partners, contractors, translations, technical services, courier dispatches, and other costs incurred;
bank charges, payment system commissions, payment processing expenses, currency conversion, and other transaction costs.
7.3. The Company is not obliged to compensate bank fees, payment provider commissions, currency losses, costs of reverse transfer of funds, or other external expenses beyond its control.
8. Period and Method of Refund in the Event of a Positive Decision
8.1. If the Company decides to issue a full or partial refund, the funds are transferred to the Client within a reasonable time, generally within 14 business days from the date of the positive decision, unless a longer period is caused by technical, banking, currency-related, or other objective reasons.
8.2. The refund shall be made by the method the Company considers possible and acceptable, taking into account the original payment method, technical feasibility, the requirements of the payment provider, and applicable restrictions.
9. Special Exceptions
9.1. This Policy does not apply where the service has been fully rendered and the work result has been delivered to the Client in full or in the agreed part.
9.2. If a separate contract, invoice, offer, or individual commercial proposal contains special refund terms, such terms shall prevail over this Policy within the scope of the relevant service.
9.3. Force majeure circumstances, external delays, actions of public authorities, changes in legislation, war-related events, communication failures, banking restrictions, sanctions-related limitations, and other external factors do not in themselves create an automatic right to a refund, unless otherwise expressly agreed by the parties.
10. Dispute Resolution and Applicable Law
10.1. All disputes related to this Policy, refund requests, and their consideration shall first be resolved through negotiations and business correspondence.
10.2. In the absence of an agreement, the dispute shall be resolved in accordance with the Terms and Conditions, as well as other applicable Company documents and the rules of law applicable to the relevant legal relationship.
11. Amendments to the Policy
11.1. The Company may unilaterally amend, update, and supplement this Policy taking into account changes in legislation, the structure of services, payment processes, and the Company’s internal procedures.
11.2. A new version shall enter into force from the moment of its publication on the Company’s official website, unless otherwise expressly stated in the new version.
11.3. Continued interaction with the Company after publication of a new version means the Client’s acceptance of the updated terms to the extent they apply to the relevant legal relationship.
12. Final Provisions
12.1. If any provision of this Policy is held invalid, unlawful, or unenforceable, this does not affect the validity of the remaining provisions, which remain in force to the maximum extent permitted.
12.2. This Policy forms part of the contractual and pre-contractual relationship between the Client and the Company to the extent that such relationship is connected with payment for services and the possibility of considering a refund request.
12.3. For questions related to the application of this Policy, you may send an inquiry to the email address: mail@razmikkhachatrian.com.
Date of last update: 08.03.2026