Refund and Cancellation Policy - Aimer Merchants Ltd.

Official Policy Document

Effective Date: 2 June 2026
Last Updated: 2 June 2026

This Refund and Cancellation Policy explains how Aimer Merchants Ltd. handles service fees, consultation fees, advance payments, cancellations, refunds, third-party charges, government fees, documentation costs, and payment-related matters.

By making a payment to Aimer Merchants Ltd., requesting a service, confirming a consultation, submitting documents, or engaging us for any professional service, you agree to this Refund and Cancellation Policy.

1. About Aimer Merchants Ltd.

Aimer Merchants Ltd. is a Bangladesh-based professional consultancy firm providing services related to wealth management, tax and VAT consultancy, IPO consultancy, accounting services, legal documentation, capital market investment guidance, and business advisory support.

Our contact details are:

Aimer Merchants Ltd.
Shams Parasol, Flat C1, House 5, Road 21, Gulshan 1, Dhaka-1212, Bangladesh
Email: info@aimermerchants.com
Alternative Email: aimer.merchants@gmail.com
Phone: +880 1726 685 550
WhatsApp: +880 1726 685 550

2. Scope of This Policy

This policy applies to payments made for services including but not limited to:

Wealth management consultation
Tax consultancy
VAT consultancy
Accounting services
IPO consultancy
Legal documentation support
Capital market investment guidance
Business advisory
Financial planning support
Compliance support
Document preparation
Client file review
Professional coordination
Service retainers
Any other paid service provided by Aimer Merchants Ltd.

This policy applies whether payment is made through bank transfer, mobile financial service, cash deposit, card payment, online payment, cheque, or any other accepted payment method.

3. General Refund Principle

Aimer Merchants Ltd. provides professional consultancy, advisory, documentation, coordination, and service-based support. Many of our services require professional time, document review, research, drafting, communication, coordination, and administrative processing.

Because professional service work often begins shortly after payment or confirmation, fees may become partially or fully non-refundable once work has started.

Refunds are reviewed case by case based on:

Type of service
Stage of work completed
Time already spent
Documents already reviewed
Advice already provided
Drafts or documents already prepared
Third-party work already initiated
Government or authority fees already paid
Administrative costs already incurred
Client-side delay or cancellation reason

4. Consultation Fees

Consultation fees are generally non-refundable once the consultation has been scheduled, started, or completed.

Consultation may take place through:

In-person meeting
Phone call
WhatsApp call
Video meeting
Email consultation
Document-based review
Written advisory note
Any other agreed communication method

If a client fails to attend a scheduled consultation without prior notice, the consultation fee may be treated as non-refundable.

5. Rescheduling Consultation

Clients may request to reschedule a consultation if they cannot attend at the agreed time.

A rescheduling request should be made as early as possible, preferably at least 24 hours before the scheduled consultation.

Aimer Merchants Ltd. may allow rescheduling subject to availability. However, repeated rescheduling, last-minute cancellation, or failure to attend may result in cancellation without refund.

6. Advance Payment

For many services, Aimer Merchants Ltd. may require an advance payment before starting work.

Advance payment may be required for:

File opening
Document review
Professional time reservation
Tax or VAT advisory work
Accounting service initiation
Legal documentation preparation
IPO-related support
Wealth management advisory
Business advisory
Third-party coordination
Administrative processing

Advance payments may be non-refundable once work has started, documents have been reviewed, advice has been provided, or service resources have been allocated.

7. Full Payment

Some services may require full payment before delivery, submission, filing, consultation, document handover, or final completion.

Full payment may be required where:

The service is urgent
The work is project-based
The work involves third-party coordination
The service requires professional document preparation
The client is new
The work has a fixed fee
The service requires immediate resource allocation

Refund eligibility after full payment depends on the stage of work completed and costs already incurred.

8. Non-Refundable Fees

The following payments are generally non-refundable:

Completed consultation fees
Fees for work already performed
Fees for document review already completed
Fees for advisory opinion already provided
Fees for tax/VAT calculations already prepared
Fees for accounting work already started
Fees for legal documentation already drafted
Fees for IPO-related consultation already provided
Fees for wealth management planning already prepared
Fees for professional time already spent
Urgent service fees
Administrative processing fees
File opening charges
Retainer fees for the period already started
Fees for third-party coordination already completed
Any payment clearly marked as non-refundable before payment

9. Government Fees and Third-Party Charges

Government fees, regulatory fees, filing fees, stamp fees, bank charges, application fees, portal fees, courier fees, documentation costs, and third-party professional charges are non-refundable once paid or incurred.

These may include:

Tax payment
VAT payment
Government filing fee
Stamp duty
Court fee, where applicable
RJSC-related fee
NBR-related payment
Bank charge
Brokerage-related charge
Asset management-related charge
Application fee
Certification fee
Notary fee
Courier charge
Document processing fee
Third-party professional fee

Aimer Merchants Ltd. does not control refund decisions of government offices, regulatory authorities, banks, brokerage firms, asset management companies, legal professionals, auditors, accountants, or other third parties.

10. Refund Eligibility

A client may be eligible for a full or partial refund only in limited situations, such as:

Payment was made by mistake.
Duplicate payment was received.
Aimer Merchants Ltd. is unable to start the agreed service.
The service was cancelled by Aimer Merchants Ltd. before work began.
The client cancels before any professional work, review, advice, drafting, processing, or coordination has started.
A refund was specifically agreed in writing before payment.

Any refund request will be reviewed based on actual circumstances.

11. Partial Refund

A partial refund may be considered if work has started but the service has not been completed.

The refund amount may be reduced by:

Professional time already spent
Document review already completed
Drafting work already completed
Consultation already provided
Administrative costs
Third-party charges
Government fees
Bank or payment processing fees
Communication and coordination work
Any other cost already incurred

Aimer Merchants Ltd. reserves the right to determine the reasonable refundable amount after reviewing the stage of work and costs incurred.

12. No Refund After Service Completion

No refund will be provided after a service has been completed, delivered, submitted, filed, or handed over.

A service may be considered completed when:

Consultation has been provided
Advisory guidance has been shared
Document review has been completed
Draft document has been delivered
Final document has been delivered
Return has been prepared
Filing has been completed
Application has been submitted
Client report has been provided
Professional coordination has been completed
Client has received the agreed service output

Dissatisfaction caused by a change of mind, misunderstanding of the service scope, or client-side expectation not included in the agreed scope may not qualify for a refund.

13. Cancellation by Client

Clients may request cancellation by contacting Aimer Merchants Ltd. through email, phone, WhatsApp, or written communication.

The cancellation request should include:

Client name
Contact number
Email address
Service type
Payment date
Payment amount
Reason for cancellation
Supporting documents, if any
Payment proof, if requested

Cancellation does not automatically guarantee a refund. Refund eligibility will depend on the service stage, work completed, and costs incurred.

14. Cancellation by Aimer Merchants Ltd.

Aimer Merchants Ltd. reserves the right to cancel, suspend, or refuse service if:

The client provides false information.
The client submits forged or invalid documents.
The client requests illegal or unethical work.
The client fails to provide required documents.
The client fails to make agreed payment.
The client does not respond within a reasonable time.
The client behaves abusively or unprofessionally.
The service creates legal, regulatory, compliance, or reputational risk.
Aimer Merchants Ltd. is unable to continue the service due to circumstances beyond its control.

If service is cancelled by Aimer Merchants Ltd. before work begins, a refund may be considered after deducting any transaction costs or third-party charges already incurred.

If service is cancelled due to client misconduct, false documents, illegal requests, or non-cooperation, fees may be non-refundable.

15. Cancellation Due to Missing Documents

Many services depend on timely submission of documents by the client. If the client fails to provide required documents, the service may be delayed, suspended, or cancelled.

Aimer Merchants Ltd. will not be responsible for refunding fees where service cannot continue because the client fails to provide:

Required identity documents
Business documents
Tax documents
VAT documents
Bank statements
Accounting records
Investment documents
Signed forms
Authorizations
Payment proof
Supporting documents
Any other document required for the service

If work has already started, the fee may be partially or fully non-refundable.

16. Cancellation Due to Inaccurate or False Information

If a client provides false, misleading, incomplete, manipulated, forged, or unlawful information, Aimer Merchants Ltd. may immediately cancel the service.

In such cases, no refund may be provided.

Aimer Merchants Ltd. also reserves the right to refuse future services to such clients and take necessary legal or compliance-related action where appropriate.

17. Change of Mind

Refunds are generally not provided if the client changes their mind after:

Confirming the service
Making payment
Submitting documents
Receiving consultation
Receiving advice
Receiving drafts
Asking Aimer Merchants Ltd. to start work
Work has already begun

Clients should understand the service scope, fees, timeline, and requirements before making payment.

18. Service Delay and Refund

Service timelines may depend on client response, document availability, third-party processing, government portals, regulatory authorities, banks, brokerage firms, asset management companies, legal professionals, auditors, accountants, or other external parties.

A delay does not automatically qualify for a refund if the delay is caused by:

Client-side document delay
Incorrect information
Government authority delay
Third-party delay
Portal downtime
Regulatory review
Bank processing issue
Public holiday
Force majeure event
Delay outside Aimer Merchants Ltd.’s reasonable control

If Aimer Merchants Ltd. is directly responsible for unreasonable delay and no substantial work has been completed, a refund or alternative solution may be considered.

19. Refund Processing Time

If a refund is approved, the refund will generally be processed within a reasonable time after approval and verification.

Refund processing may depend on:

Payment method
Bank processing time
Mobile financial service processing time
Card/payment gateway processing time
Internal verification
Required approval
Accuracy of refund account details

Aimer Merchants Ltd. is not responsible for delays caused by banks, payment gateways, mobile financial services, or incorrect account details provided by the client.

20. Refund Method

Refunds are usually made through the same payment method used by the client, unless otherwise agreed.

Aimer Merchants Ltd. may request:

Bank account details
Mobile financial service number
Payment proof
Transaction ID
Client identity confirmation
Written refund request
Authorization from the person who made the payment

Refunds will only be made to the original payer or authorized person unless otherwise required and verified.

21. Transaction Fees and Deductions

Refund amounts may be reduced by applicable transaction charges, bank charges, mobile financial service charges, card processing charges, payment gateway fees, currency conversion charges, and administrative costs.

If a client made payment through a third-party payment platform, any non-refundable processing fee charged by that platform may be deducted from the refund amount.

22. Retainer Services

For monthly, quarterly, or yearly retainer services, fees are generally non-refundable once the retainer period has started.

Retainer services may include:

Accounting support
Tax advisory support
VAT advisory support
Business advisory
Compliance monitoring
Wealth management advisory
Ongoing documentation support
Professional coordination
Periodic reporting

If a client wishes to cancel a retainer service, they should provide prior written notice according to the agreed service terms. Fees for completed or current retainer periods are not refundable unless otherwise agreed in writing.

23. Project-Based Services

For project-based services, refund eligibility depends on the project stage.

A project may include:

Document preparation
Accounting cleanup
Tax planning project
VAT compliance project
Business advisory project
IPO consultancy support
Legal documentation support
Wealth planning project
Investment planning project

If the project is cancelled after work begins, fees may be deducted based on the percentage of work completed, professional time spent, and costs incurred.

24. Urgent or Priority Services

Urgent, express, emergency, or priority service fees are generally non-refundable once the service request is accepted and work begins.

This is because urgent services require immediate resource allocation, priority scheduling, and professional time commitment.

If the urgency is caused by client-side delay, missing documents, approaching deadlines, or previous non-compliance, Aimer Merchants Ltd. will not be responsible for refunding priority fees after work has started.

25. Document Preparation Services

For document preparation services, fees may become non-refundable once drafting, review, formatting, coordination, or processing begins.

Document preparation may include:

Legal documentation
Business documents
Tax documents
VAT documents
Accounting reports
Advisory reports
Application forms
Compliance documents
Investment documents
IPO-related documents
Company documents
Client letters or replies

Clients should carefully review the draft or final document and request corrections within the agreed scope.

26. Correction and Revision Instead of Refund

If there is a reasonable error in work prepared by Aimer Merchants Ltd., the client should notify us within a reasonable time.

Where appropriate, we may provide correction or revision within the agreed scope instead of a refund.

Refunds will not normally be provided for issues that can reasonably be corrected or revised.

Additional changes requested by the client outside the original scope may require additional fees.

27. No Refund for Authority or Third-Party Rejection

Aimer Merchants Ltd. does not guarantee approval, acceptance, allotment, assessment result, regulatory clearance, government processing, bank approval, or third-party decision.

Therefore, refunds are generally not provided if a service outcome is affected by:

NBR decision
VAT authority decision
RJSC decision
Bank decision
Brokerage firm decision
Asset management company decision
Government authority decision
Regulatory authority decision
IPO allotment process
Legal authority decision
Any independent third-party decision

Professional service fees are charged for advisory, preparation, review, coordination, and support, not for guaranteed external approval.

28. Payment Dispute

If a client believes there is a payment error, duplicate charge, incorrect invoice, or refund-related issue, the client should contact Aimer Merchants Ltd. as soon as possible.

The client should provide:

Payment proof
Transaction ID
Date of payment
Payment amount
Service name
Invoice or reference number, if any
Description of the issue

We will review the matter and respond within a reasonable time.

29. Chargebacks and Unauthorized Payment Disputes

Clients should contact Aimer Merchants Ltd. directly before initiating any bank dispute, card chargeback, or payment reversal.

If a chargeback or payment dispute is filed after a valid service has been provided or work has started, Aimer Merchants Ltd. may provide service records, communication records, invoices, documents, and evidence to the relevant bank, payment provider, or authority.

False or abusive chargebacks may result in termination of service and refusal of future service.

30. Force Majeure

Aimer Merchants Ltd. shall not be responsible for refund, delay, cancellation, or failure to perform due to events beyond reasonable control, including but not limited to:

Natural disasters
Fire
Flood
War
Political unrest
Government restrictions
Epidemic or pandemic
Power failure
Internet failure
Cyberattack
Server outage
Regulatory delay
Government office closure
Banking disruption
Public emergency
Strike
Civil disturbance
Any other event beyond reasonable control

In such situations, Aimer Merchants Ltd. may offer rescheduling, service adjustment, or alternative arrangements where reasonably possible.

31. Policy Updates

Aimer Merchants Ltd. may update this Refund and Cancellation Policy from time to time to reflect changes in services, payment methods, legal requirements, business operations, or client service procedures.

The updated version will be posted on our website with the revised “Last Updated” date.

Continued use of our website or services after policy updates means you accept the revised Refund and Cancellation Policy.

32. Contact Us

For refund, cancellation, or payment-related questions, please contact us: