Last Updated: December 12, 2025

Effective Date: December 12, 2025

1. Introduction

This Return and Refund Policy (“Policy”) describes the terms and conditions under which
Loan Bazaar (“we,” “us,” or “our”) accepts returns and processes refunds for products and
services purchased through our website or other sales channels.

By making a purchase from us, you agree to this Policy. Please read it carefully before making a purchase.

Business Information:

Name: Loan Bazaar
Address: dasdad,
fdsf,
3212121
Email: nickparkerlivenow@gmail.com
Website: https://api.loanbazaar.cc/

2. Return Period

You have 7 days from the date of delivery to initiate a return for eligible
products.

The return period begins on the date you receive the product, as confirmed by:

  • Delivery confirmation from the shipping carrier
  • Signature upon delivery (if applicable)
  • Tracking information showing delivery

Returns requested after the 7-day period will not be accepted except as required
by law or at our sole discretion.

3. Eligibility for Returns

3.1 Eligible Products

To be eligible for a return, products must meet ALL of the following conditions:

  • Returned within 7 days of delivery
  • In original, unused, and unworn condition
  • In original packaging with all tags, labels, and accessories attached
  • Not damaged, altered, or modified in any way
  • Accompanied by proof of purchase (order number, receipt, or invoice)
  • Not listed as non-returnable (see Section 4)

3.2 Condition Requirements

Products must be returned in the same condition as received. We reserve the right to refuse returns or issue partial
refunds for products that:

  • Show signs of use, wear, or damage
  • Are missing original packaging, tags, or accessories
  • Have been altered, washed, or modified
  • Are not in resalable condition

4. Non-Returnable Items

The following items are NOT eligible for return or refund:

  • Digital products (software, downloads, e-books, online courses)
  • Personalized or custom-made items
  • Perishable goods (food, flowers, plants)
  • Health and personal care items (cosmetics, intimate products, earrings)
  • Hazardous materials or flammable liquids
  • Gift cards or vouchers
  • Sale or clearance items (unless defective)
  • Products marked as “final sale” or “non-returnable”
  • Opened software, media, or sealed products
  • Subscription services after access has been granted

Exceptions may be made for defective or damaged items as described in Section 10.

5. How to Initiate a Return

To initiate a return, follow these steps:

Step 1: Contact Us
Contact our customer service team within 7 days of delivery:

  • Email: nickparkerlivenow@gmail.com
  • Include your order number, product details, and reason for return

Step 2: Obtain Return Authorization
Wait for our customer service team to review your request and provide:

  • Return authorization number (RMA)
  • Return shipping address
  • Return instructions

DO NOT ship products back without obtaining a return authorization. Unauthorized returns may not be processed.

Step 3: Package the Product

  • Pack the product securely in its original packaging
  • Include all accessories, manuals, and documentation
  • Include a copy of your receipt or order confirmation
  • Write the RMA number clearly on the outside of the package

Step 4: Ship the Product

  • Ship the product to the address provided by our customer service team
  • Use a trackable shipping method
  • Retain your shipping receipt and tracking number
  • We recommend insuring high-value items

6. Return Shipping Costs

You are responsible for paying all return shipping costs unless the return is due to our error (wrong item shipped, defective product, etc.).

Return shipping costs are non-refundable and will be deducted from your refund amount (if applicable).

We are not responsible for products lost or damaged during return shipping. We recommend using a trackable shipping
method and purchasing shipping insurance for high-value items.

7. Refund Process

7.1 Inspection

Once we receive your returned product, we will inspect it to verify that it meets the eligibility requirements
outlined in Section 3.

Inspection typically takes 2-5 business days from the date we receive the product.

7.2 Refund Approval

If your return is approved, we will process your refund as follows:

  • Refund Amount: 100% of the product purchase price
  • Refund Method: your original payment method
  • Processing Time: 3 business days

7.3 Refund Exclusions

The following amounts are NOT refundable:

  • Original shipping charges (unless the return is due to our error)
  • Return shipping costs (unless we provide a prepaid label)
  • Gift wrapping or special handling fees
  • Customs duties or import taxes (for international orders)

7.4 Partial Refunds

We may issue a partial refund in the following situations:

  • Product shows signs of use or wear
  • Product is missing accessories or packaging
  • Product is returned more than 7 days after delivery (at our discretion)
  • Product is damaged due to customer misuse

7.5 Refund Denial

We reserve the right to deny refunds for:

  • Products that do not meet eligibility requirements
  • Products returned without authorization
  • Fraudulent or abusive return activity
  • Violation of this Policy

8. Refund Methods

Refunds will be issued to your original payment method:

  • Credit/Debit Card: Refund will appear on your statement within 5-10 business days
  • PayPal: Refund will appear in your PayPal account within 3-5 business days
  • Other Payment Methods: Refund timing varies by payment provider

Please note that your bank or payment provider may take additional time to post the refund to your account.

9. Exchanges

If you wish to exchange a product for a different size, color, or variant:

  1. Follow the return process outlined in Section 5
  2. Indicate in your return request that you want an exchange
  3. Specify the product you want to receive
  4. We will process the exchange upon receiving and inspecting the returned product

Exchanges are subject to product availability. If the desired product is unavailable, we will issue a refund or offer
an alternative.

Price differences:

  • If the new product costs more, you will be charged the difference
  • If the new product costs less, we will refund the difference

10. Defective, Damaged, or Incorrect Products

If you receive a defective, damaged, or incorrect product:

10.1 Immediate Notification

Contact us immediately (within 7 days of delivery) at nickparkerlivenow@gmail.com

10.2 Documentation

Provide the following information:

  • Order number
  • Product name and SKU
  • Description of the defect or damage
  • Photos or videos showing the issue

10.3 Resolution

We will, at our discretion:

  • Send a replacement product at no charge
  • Issue a full refund including original shipping costs
  • Provide a prepaid return label for the defective product
  • Offer a partial refund or discount on a future purchase

You are not required to return defective or damaged products unless we specifically request it.

11. Late or Missing Refunds

If you have not received your refund within the stated timeframe:

  1. Check your bank account or payment provider again
  2. Contact your bank or payment provider (processing delays may occur)
  3. If you still have not received your refund, contact us at nickparkerlivenow@gmail.com with:
    • Your order number
    • Return tracking number
    • Date the return was received by us

12. Restocking Fees

We do not charge restocking fees for eligible returns.

13. International Returns

For international orders:

13.1 Return Shipping

You are responsible for all return shipping costs, including customs duties and taxes.

13.2 Customs and Duties

We are not responsible for any customs duties, taxes, or fees incurred during the return process. These charges are
non-refundable.

13.3 Processing Time

International returns may take longer to process due to customs clearance and shipping times.

14. Warranty Claims

If your product is covered by a manufacturer’s warranty, you may be eligible for warranty service or replacement.
Please contact us for warranty claim instructions.

Warranty claims are separate from our return policy and are subject to the manufacturer’s warranty terms.

15. Cancellations

15.1 Order Cancellation

You may cancel your order before it ships by contacting us immediately at nickparkerlivenow@gmail.com

Orders that have already shipped cannot be cancelled but may be returned according to this Policy.

15.2 Subscription Cancellation

For subscription-based products or services, please refer to our Terms and Conditions for cancellation procedures.

16. Fraudulent Returns

We reserve the right to refuse returns or ban customers who engage in fraudulent or abusive return activity,
including:

  • Returning used products as new
  • Returning products not purchased from us
  • Excessive or unreasonable return patterns
  • Returning counterfeit or stolen products
  • Violating this Policy

17. Changes to This Policy

We reserve the right to modify this Return and Refund Policy at any time. Changes will be effective immediately upon
posting to our website. Your continued purchases after any changes constitute acceptance of the modified Policy.

18. Consumer Rights

This Policy does not affect your statutory rights as a consumer under applicable law. In some jurisdictions, you may
have additional rights that cannot be waived by this Policy.

19. Contact Us

If you have any questions about this Return and Refund Policy or need assistance with a return, please contact us:

Loan Bazaar
dasdad,
fdsf,
3212121
Email: nickparkerlivenow@gmail.com
Website: https://api.loanbazaar.cc/

We are committed to providing excellent customer service and will work with you to resolve any issues with your
purchase.