Return & Refund Policy

This policy explains when purchases made through Cominy may qualify for a refund.

Effective Date: September 1, 2026

Cominy is operated by Starbiss LTD, a company registered in the Federal Republic of Nigeria.

This policy explains when purchases made through Cominy may qualify for a refund.

1. Digital Products

Because digital products may be delivered or accessed immediately after purchase, they are generally not returnable.

A refund may be considered where:

the product was not delivered;
the product is materially different from its description;
the file or product is defective and cannot reasonably be used;
you were charged more than once for the same purchase;
the transaction was confirmed as unauthorized; or
a refund is otherwise required by applicable law.

A refund will generally not be provided because:

you changed your mind;
you purchased the wrong product;
you no longer need the product;
you failed to review the product description or requirements; or
the product has already been downloaded, accessed, or substantially used without a valid issue.

Seller refund terms may also apply, but sellers cannot remove rights available to buyers under applicable law.

2. Refund Requests

Refund requests should be submitted through Cominy's official support or dispute system.

You may be required to provide:

the order or transaction reference;
details of the issue;
supporting screenshots or evidence; and
any other information reasonably required to review the request.

Cominy may review the transaction, product listing, delivery records, and communications between the buyer and seller before making a decision.

3. Bill Payments and VTU

Successfully delivered airtime, mobile data, electricity tokens, television subscriptions, internet services, and similar bill-payment transactions are generally non-refundable.

A refund or reversal may be available where:

the transaction failed but you were charged;
you were charged more than once;
the service provider confirms that the service was not delivered; or
a technical error resulted in an incorrect charge.

Transactions successfully delivered using an incorrect phone number, meter number, customer number, provider, or package supplied by you may not be refundable.

4. Failed and Pending Transactions

If a payment is deducted but the transaction is unsuccessful, Cominy or the relevant payment provider may automatically reverse the transaction.

Some reversals may take additional processing time depending on the payment provider, bank, or biller.

Transactions marked as pending may need to be resolved before a refund or reversal can be processed.

5. Seller Responsibility

Sellers are responsible for accurately describing and delivering their products.

Where a valid refund is issued for a seller's product, the refunded amount may be deducted from the seller's available balance, future earnings, or other amounts payable to the seller.

Cominy may also take action against sellers who repeatedly sell misleading, defective, or undelivered products.

6. Chargebacks

Buyers should contact Cominy before initiating a chargeback where possible.

Submitting false or abusive chargebacks may result in account restrictions.

Where a chargeback is successfully made against a seller transaction, Cominy may recover the disputed amount and related fees from the seller.

7. Refund Method

Approved refunds will generally be returned to the original payment method or another method determined by Cominy where necessary.

The time required for the refund to appear may depend on the bank, payment provider, or payment method used.

8. Abuse of Refunds

Cominy may refuse refund requests or restrict accounts where we reasonably believe a user is abusing the refund process, including attempts to obtain and retain digital products without paying for them.

9. Our Rights

Cominy may make the final platform decision regarding refunds, balances, and marketplace disputes, subject to applicable law.

Nothing in this policy removes or limits consumer rights that cannot legally be excluded.

10. Contact

Questions or refund requests may be submitted through Cominy's official support channels.

Last updated: 2026-09-01

Return & Refund Policy

This policy explains when purchases made through Cominy may qualify for a refund.

Effective Date: September 1, 2026

Cominy is operated by Starbiss LTD, a company registered in the Federal Republic of Nigeria.

This policy explains when purchases made through Cominy may qualify for a refund.

1. Digital Products

Because digital products may be delivered or accessed immediately after purchase, they are generally not returnable.

A refund may be considered where:

the product was not delivered;
the product is materially different from its description;
the file or product is defective and cannot reasonably be used;
you were charged more than once for the same purchase;
the transaction was confirmed as unauthorized; or
a refund is otherwise required by applicable law.

A refund will generally not be provided because:

you changed your mind;
you purchased the wrong product;
you no longer need the product;
you failed to review the product description or requirements; or
the product has already been downloaded, accessed, or substantially used without a valid issue.

Seller refund terms may also apply, but sellers cannot remove rights available to buyers under applicable law.

2. Refund Requests

Refund requests should be submitted through Cominy's official support or dispute system.

You may be required to provide:

the order or transaction reference;
details of the issue;
supporting screenshots or evidence; and
any other information reasonably required to review the request.

Cominy may review the transaction, product listing, delivery records, and communications between the buyer and seller before making a decision.

3. Bill Payments and VTU

Successfully delivered airtime, mobile data, electricity tokens, television subscriptions, internet services, and similar bill-payment transactions are generally non-refundable.

A refund or reversal may be available where:

the transaction failed but you were charged;
you were charged more than once;
the service provider confirms that the service was not delivered; or
a technical error resulted in an incorrect charge.

Transactions successfully delivered using an incorrect phone number, meter number, customer number, provider, or package supplied by you may not be refundable.

4. Failed and Pending Transactions

If a payment is deducted but the transaction is unsuccessful, Cominy or the relevant payment provider may automatically reverse the transaction.

Some reversals may take additional processing time depending on the payment provider, bank, or biller.

Transactions marked as pending may need to be resolved before a refund or reversal can be processed.

5. Seller Responsibility

Sellers are responsible for accurately describing and delivering their products.

Where a valid refund is issued for a seller's product, the refunded amount may be deducted from the seller's available balance, future earnings, or other amounts payable to the seller.

Cominy may also take action against sellers who repeatedly sell misleading, defective, or undelivered products.

6. Chargebacks

Buyers should contact Cominy before initiating a chargeback where possible.

Submitting false or abusive chargebacks may result in account restrictions.

Where a chargeback is successfully made against a seller transaction, Cominy may recover the disputed amount and related fees from the seller.

7. Refund Method

Approved refunds will generally be returned to the original payment method or another method determined by Cominy where necessary.

The time required for the refund to appear may depend on the bank, payment provider, or payment method used.

8. Abuse of Refunds

9. Our Rights

Cominy may make the final platform decision regarding refunds, balances, and marketplace disputes, subject to applicable law.

Nothing in this policy removes or limits consumer rights that cannot legally be excluded.

10. Contact

Questions or refund requests may be submitted through Cominy's official support channels.

Last updated: 2026-09-01