Thank you for using Radius, a product of Pay4Me, Inc. We want to ensure you clearly understand our cancellation and refund policy before using our platform. IF YOU DO NOT AGREE WITH THE TERMS OF THIS POLICY, PLEASE DO NOT USE THE RADIUS WEB OR MOBILE APPLICATION TO MAKE PAYMENTS.
1. Definitions
For the purposes of this Policy:
1.1 “Customer” means the person who initiated a payment through Radius.
1.2 “Order” means a payment the Customer initiates through Radius.
1.3 “Cancellation Request” means the request a Customer submits in the Radius app under Section 4.
1.4 “Radius Wallet” means the Customer’s wallet in the Radius app.
1.5 “Business Day” means Monday through Friday, excluding bank and public holidays.
2. Eligibility for Cancellation
2.1 Customers may request to cancel an Order at any time and for any reason. However, Orders that have been submitted for processing, initiated with third-party payment processors, or already completed may not be eligible for cancellation or refund.
2.2 Where an Order has already been completed and paid to the recipient, any refund must be arranged with the recipient under the Radius Third-Party Refund Policy.
2.3 Radius reserves the right to cancel any Order at its sole discretion, with or without cause, including for compliance, risk, technical, or operational reasons.
3. Fees
3.1 All Radius processing fees, service fees, urgent fees, and administrative charges are strictly non-refundable. This applies to all cancellation or refund requests, whether initiated by the Customer or by Radius.
3.2 Payment processor fees are incurred immediately upon transaction initiation and cannot be reversed. As a result, the total amount paid by a Customer cannot be fully refunded once processing has begun.
3.3 Where necessary, Order cancellations may also attract an additional 3% administrative fee in addition to the non-refundable fees listed in this Section.
3.4 All add-on fees, including but not limited to express, premium, or one-time service charges, are non-refundable unless otherwise communicated in a prior written agreement.
4. Cancellation Process
Order cancellations are handled in two steps.
Step 1: Submitting a Cancellation Request
4.1 To request a cancellation, the Customer must submit a Cancellation Request in the Radius app for the relevant Order. Cancellation requests sent by email are not accepted.
4.2 For privacy and safety reasons, all Cancellation Requests must be submitted from the Customer’s own Radius account.
4.3 If the Customer has questions about a Cancellation Request, they can contact Radius through in-app support.
Step 2: Cancellation Confirmation and Refund
4.4 An Order is not considered canceled unless and until Radius confirms the cancellation in the Radius app.
4.5 Once the cancellation is confirmed, Radius will process any eligible refund in line with Sections 5 and 6.
4.6 If a Customer makes a duplicate payment or completes payment directly with a third party before receiving cancellation confirmation from Radius, Radius will not be responsible for any resulting payments, losses, or expenses. The Customer will be solely responsible for resolving such matters directly with the relevant vendor, merchant, or institution.
5. Refund Method
5.1 Refunds may be issued to the original payment method used for the transaction or credited to the Customer’s Radius Wallet, at Radius’s discretion.
5.2 Certain refunds must be returned to the original payment method in accordance with payment processor requirements.
6. Refund Timeline
6.1 Approved refunds are typically processed within 1 to 2 Business Days following cancellation confirmation.
6.2 Refunds returned to the original payment method may take an additional 2 to 10 Business Days to appear, depending on the Customer’s bank or payment provider. Radius has no control over these timelines.
7. Automatic Cancellation
7.1 Any pending Order that cannot be completed due to Customer-related issues and remains unresolved or without response for more than twenty-four (24) hours will be automatically canceled and refunded, with applicable administrative charges assessed.
8. Customer Acceptance
8.1 Before submitting a Cancellation Request, the Customer must type their full name to confirm that they have read, understood, and agree to this Policy. The typed name serves as the Customer’s agreement.
8.2 Radius records the typed name, the date and time of submission, and the version of this Policy that the Customer agreed to.
8.3 The terms governing cancellations and refunds processed through Radius are non-negotiable.