Refund & Cancellation Policy

1. Overview

This Refund & Cancellation Policy applies to all subscription packages purchased through gcres.net and operated by GC Re Smart Pension Pymnt FZE. By subscribing to any of our packages, you agree to the terms set out below.

2. Subscription Model

All our packages are billed on a monthly recurring basis. Your subscription renews automatically each month on the same date as your initial purchase unless cancelled in accordance with this policy.

3. Cancellation

You may cancel your subscription at any time by:

• Emailing us at [email protected] with your account details and cancellation request
• Calling us on +971 56 586 0928 during business hours

Cancellation requests must be received at least 5 business days before your next billing date to prevent the next charge. Upon cancellation, your access to services will continue until the end of the current paid billing period.

4. Refund Eligibility

We offer refunds in the following circumstances:

• 14-day money-back guarantee: If you are not satisfied with your first month of service, you may request a full refund within 14 days of your initial subscription payment. This applies to first-time subscribers only.
• Service failure: If we are unable to deliver the agreed services due to reasons within our control, you will be entitled to a pro-rata refund for the undelivered portion of the service.
• Duplicate charges: If you have been charged more than once for the same billing period due to a technical error, we will refund the duplicate charge in full.

5. Non-Refundable Circumstances

Refunds will not be issued in the following situations:

• Cancellation requests made after the 14-day money-back period on the first month
• Renewal charges where cancellation was not submitted at least 5 business days before the renewal date
• Partial months — we do not issue pro-rata refunds for mid-cycle cancellations (except in the case of service failure)
• Dissatisfaction with results that are outside our direct control (e.g. market conditions, third-party platform changes)

6. How to Request a Refund

To request a refund, please contact us with the following information:

• Full name and registered email address
• Date of purchase and package subscribed to
• Reason for the refund request

Refund requests should be sent to [email protected]. We will acknowledge your request within 2 business days and process eligible refunds within 10 business days. Refunds are returned to the original payment method.

7. Chargebacks

We encourage you to contact us directly before initiating a chargeback with your bank or card provider. Unresolved chargebacks may result in suspension of your account and access to services. We are committed to resolving disputes fairly and promptly.

8. Changes to This Policy

We reserve the right to amend this policy at any time. Changes will be published on this page with a revised "Last updated" date. Continued use of our services after changes constitutes acceptance of the updated policy.

9. Contact Us

For any questions about cancellations or refunds, please reach out:

• Email: [email protected]
• Phone: +971 56 586 0928
• Address: UAE Business Centre, Sharjah Publishing City Free Zone, Sharjah, United Arab Emirates