Refund Policy

NEXUM ANALYTICS LTD, a company registered in England and Wales (company number 17440513), registered office 66 Paul Street, London, EC2A 4NA, United Kingdom ("Nexum", "the house").

Effective date: 20 October 2026 · Last updated: 20 October 2026 · This policy forms part of the Terms of Service.

1 · The promise, in one sentence

You may ask for a full refund at any time until your record is accepted for examination; after delivery, if the report misses its fourteen days or the standard the method sets, the house corrects it or refunds it in full.

A record is accepted for examination when you file it. The fee is paid first, and filing is the moment the house commissions the examination. Until then nothing has been done that a refund needs to undo. After it, the fee pays for the work, and the house answers for the work against a standard it has published.

2 · What is refundable, and when

2.1 Before your record is accepted. Full refund on request at any time from purchase until your record is accepted for examination — that is, until you file it. A founding reservation is refundable on the same terms until the record is filed, and the founding place is released with it (Terms §3.6).

2.2 If the house declines. If the house declines to examine a record you have filed, the fee is refunded in full.

2.3 After delivery. A change of mind after delivery is not a ground for a refund. Within fourteen days of delivery you may raise any of three failures:

• Late. The report was delivered more than fourteen days after the examination was commissioned.
• Off the question. The report does not answer the decision you filed.
• A critical finding without a falsifier. A finding is graded critical without the dated observation that would show it wrong.

Where the failure is there, the house corrects the report or refunds the fee in full. "Delivered" means the day the signed report is released to your account and you are notified.

2.4 Seats (Member and Fellow). Full refund on request within fourteen days of the seat being activated (or of a renewal charge), provided no introduction has been accepted on the seat in that period. Once a founder has accepted your introduction request, the seat's principal benefit has been used and the fee is not refundable; the seat runs to the end of its term.

Earlier purchases

2.5 Examinations bought before 7 October 2026. An examination bought before 7 October 2026 keeps the policy that stood when it was bought: a full refund on request until fourteen days after delivery.

3 · How a refund happens

3.1 Ask. Request a refund from your account or by writing to [email protected]. For a failure after delivery, say which of the three in §2.3 it is, and where in the report. The request date is what counts — if you raise it on day fourteen, you are within the window however long the reading takes.

3.2 We respond within two business days. A refund before acceptance, or after the house has declined, is made without discussion. A failure raised after delivery is read against §2.3 by an analyst who did not sign the report. If the failure is there, the house corrects the report — a new version, signed and dated, with the earlier one kept on record as corrected — or refunds the fee in full. If it is not, the house says why, in writing.

3.3 Timing. Refunds are issued within five business days of the decision, to the original payment method, in full. Payment-processor fees, where any apply, are borne by the house.

4 · What a refund after delivery means for the record

The examination fee buys the report, whole and signed, and everything else the house opens follows from it. A refund after delivery reverses that whole — not just the payment:

• Your entry is withdrawn from the register on the day of refund, and any standing it earned lapses with it.
• The report ceases to be a house-signed document. You may keep the file for your own use, but it may not be presented, quoted, or cited as a Nexum examination, and the house's signatures and reference no longer attach to it.
• Any questions on the record, openness settings, and pending introduction requests attached to the entry close.
• A refunded seat closes on the day of refund; founding standing attached to it is released.

You may commission a fresh examination of the same business after twelve months; the house may agree sooner, at its discretion.

4A · One limit, stated plainly

• Not for what was filed falsely. Where the examination finds that material filed was materially false, fabricated, or misrepresented — a breach of the accuracy warranty in the Terms of Service — the right in §2.3 does not apply. The house did the work it was paid for; the report says what it found.

5 · When the house falls short

Nothing in §2.3 limits the house's duty to deliver what you bought. If the house cannot deliver your examination at all, or delivers something other than the service you bought, you are entitled to a full refund at any time, without the consequences in §4 applying to anything you were not given.

6 · Consumer rights

If you buy as a consumer, you have a statutory right to cancel within fourteen days of purchase under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. Until your record is accepted for examination, this policy refunds you in full whenever you ask. Filing your record is your request that the examination begin; giving it does not reduce your rights under this policy. Nothing here limits any right the law gives you.

7 · Chargebacks

Please ask us first. A refund under this policy is faster and cleaner than a chargeback, and the outcome is the same. Where a chargeback is raised without a request to us, we respond to the processor with the record of the engagement, and §4 applies.

8 · Contact

[email protected] · NEXUM ANALYTICS LTD · 66 Paul Street, London, EC2A 4NA, United Kingdom