Payment Terms & Refund Policy

Payments

Rent, service charges, deposits and fees are set by your tenancy, lease or service agreement. Online and card payments are processed by licensed providers (Paystack and Flutterwave), and Ora Egbunike & Associates does not store your card details. Money we collect on behalf of property owners is held in a designated client-funds account and paid out only through our approval process.

When We Refund

These payments settle amounts you owe, so they are not refunded because you change your mind. We refund:

• Duplicate payments and overpayments
• Payments taken in error
• Failed transactions where your account was debited but the payment did not reach us
• Amounts paid towards a tenancy offer that we withdraw or decline
• Refundable deposits at the end of a tenancy, less any deductions the agreement allows, with an itemised statement

If your signed agreement sets different refund terms, those terms apply.

How to Request a Refund

Email finance@oraegbunike.com within 30 days of the payment. Include the payment reference, amount, date and reason, and for a bank transfer or deposit, the bank receipt.

Timelines

We acknowledge your request within 2 business days and give you a written decision within 10 business days. We start an approved refund within 5 business days. Card refunds can take a further 5–10 business days to reach your account.

How Refunds Are Paid

Refunds go back to the original payment method, or by bank transfer to an account in the payer's name. They are paid in the original currency. Payment-processor fees are not refundable unless the error was ours. If the money has already been paid to a property owner, we recover it from them first and tell you if that delays your refund.

Disputes

Please contact us before raising a chargeback with your bank. If you are unhappy with a decision, a senior member of staff who was not involved will review it.

Governing Law

These terms are governed by the laws of the Federal Republic of Nigeria.