5.1 Overview Faith Loan App processes financial disbursements and loan repayments. This Refund Policy governs scenarios involving overpayments, accidental transfers, and failed loan disbursements. 5.2 Scenarios Covered A. Overpayment of Loan Balance If you accidentally transfer an amount exceeding your total outstanding loan balance: The excess amount will be refunded directly to your registered bank account or mobile financial service (MFS) wallet within 3 to 7 business days after audit verification. B. Failed Disbursement with Debit Deduction If a loan processing fee or repayment amount is deducted from your bank/wallet but fails to credit your Faith Loan App account: Once verified by our settlement system, funds will be refunded or credited back to the original funding source within 24 to 48 hours. C. Non-Refundable Items Processing fees, administrative charges, and legal check costs incurred during successful loan disbursements are non-refundable once the loan principal has been disbursed. 5.3 Requesting a Refund To request a refund for an erroneous transaction: Contact customer support at support@bdaidfoundation.org. Provide your Transaction ID, date of transaction, registered phone number, and proof of payment screenshot.

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