Refund Policy

1. Introduction

This Refund Policy outlines the terms and conditions under which Pinakine Liquidity ("we," "us," or "our") processes refunds and withdrawals. This policy applies to all clients who have deposited funds into their trading accounts with us.

Please read this policy carefully before making a deposit. By depositing funds into your account, you acknowledge that you have read, understood, and agree to be bound by this Refund Policy.

2. General Principles

The following principles apply to all refund and withdrawal requests:

• All withdrawal requests are subject to account verification and compliance checks
• Refunds will be processed to the same payment method used for the original deposit
• Processing times may vary depending on the payment method and verification requirements
• We reserve the right to refuse refund requests that do not comply with this policy or applicable regulations
• All refunds are subject to deduction of any applicable fees, charges, or outstanding obligations

3. Withdrawal of Trading Funds

3.1 Available Balance

You may withdraw funds from your trading account at any time, subject to:

• Availability of sufficient free margin in your account
• Completion of all verification procedures
• No pending trading activity or open positions (unless otherwise specified)
• Compliance with anti-money laundering regulations
• Settlement of all outstanding fees and charges

3.2 Withdrawal Processing

Withdrawal requests are typically processed within 1-3 business days, subject to:

• Verification of your identity and account ownership
• Confirmation of the withdrawal method
• Compliance and security checks
• Payment processor processing times

4. Refund of Unused Deposits

4.1 Unused Deposit Refunds

You may request a refund of unused deposits (deposits that have not been used for trading) within 14 days of the deposit date, subject to:

• No trading activity has occurred using the deposited funds
• Account verification is complete
• No bonuses or promotions have been credited to the account
• All verification documents have been submitted and approved

4.2 Processing Time

Refunds of unused deposits are typically processed within 5-10 business days after approval, depending on the payment method used for the original deposit.

5. Refund Restrictions and Limitations

5.1 Non-Refundable Items

The following are generally non-refundable:

• Trading Losses: Losses incurred from trading activities are not refundable
• Fees and Charges: Trading fees, spreads, commissions, swap charges, and other fees are non-refundable
• Bonuses: Trading bonuses and promotional credits are subject to their own terms and are generally non-refundable
• Withdrawal Fees: Fees charged for withdrawals are non-refundable
• Inactivity Fees: Account inactivity fees are non-refundable

5.2 Conditions That May Prevent Refunds

Refunds may be refused or delayed if:

• There is suspected fraud, money laundering, or other illegal activity
• Account verification is incomplete or documents are insufficient
• There are outstanding obligations or disputes
• The account is subject to regulatory investigation
• There are chargebacks or payment disputes in progress
• The refund request violates applicable laws or regulations

6. Chargebacks and Payment Disputes

If you initiate a chargeback or payment dispute with your bank or payment provider:

• Your trading account will be immediately suspended
• All open positions may be closed at current market prices
• We reserve the right to recover any amounts owed, including chargeback fees
• Your account may be permanently closed
• You may be reported to credit agencies and fraud prevention services

Important: We strongly encourage you to contact us directly to resolve any issues before initiating a chargeback. We are committed to resolving disputes fairly and promptly.

7. Bonus and Promotion Refunds

Bonuses and promotional credits are subject to specific terms and conditions, including:

• Bonus funds are typically non-withdrawable until trading volume requirements are met
• Withdrawal of bonus funds may result in forfeiture of the bonus
• Promotional terms may restrict refunds of deposits used to claim bonuses
• Violation of bonus terms may result in forfeiture of bonus and related profits

Please review the specific terms and conditions of any bonus or promotion before accepting it.

8. Processing Fees

8.1 Withdrawal Fees

Withdrawal fees may apply depending on the payment method:

• Bank wire transfers may incur fees charged by banks
• Credit/debit card withdrawals may be subject to processing fees
• E-wallet withdrawals may have transaction fees
• Cryptocurrency withdrawals may have network fees

All applicable fees will be deducted from your withdrawal amount. Fee schedules are available in your account dashboard and may be updated from time to time.

9. Currency Conversion

If your account currency differs from the withdrawal currency:

• Currency conversion will be applied at the prevailing exchange rate
• Exchange rates are determined by our liquidity providers or payment processors
• Currency conversion fees may apply
• The final amount received may differ from the requested amount due to exchange rate fluctuations

We are not responsible for exchange rate fluctuations or fees charged by banks or payment processors for currency conversion.

10. How to Request a Refund or Withdrawal

10.1 Submission Process

To request a refund or withdrawal:

1. Log in to your trading account
2. Navigate to the "Withdrawals" section
3. Select your preferred withdrawal method
4. Enter the amount you wish to withdraw
5. Submit the request

10.2 Required Information

You may be required to provide:

• Verification of your identity
• Proof of payment method ownership
• Reason for withdrawal (if applicable)
• Additional documentation as requested

11. Processing Times

Typical processing times for refunds and withdrawals:

• E-wallets: 1-3 business days
• Credit/Debit Cards: 3-5 business days
• Bank Wire Transfers: 5-10 business days
• Cryptocurrency: 1-3 business days (subject to network confirmation)

Note: Processing times are estimates and may vary due to verification requirements, bank processing times, weekends, holidays, or other factors beyond our control.

12. Dispute Resolution

If you have a dispute regarding a refund or withdrawal:

1. Contact Us: First, contact our customer support team to discuss your concern
2. Provide Information: Supply all relevant documentation and information
3. Review Process: We will review your case and respond within 5-10 business days
4. Escalation: If unsatisfied, you may escalate your complaint through our formal complaints procedure

We are committed to resolving all disputes fairly and in accordance with applicable laws and regulations.

13. Contact Information

For questions about refunds or withdrawals, please contact us:

• Email: Support@pinakineliquidity.com
• Phone: +447454630174
• Address: Ground Floor, The Sotheby Building, Rodney Village, Rodney Bay, Gros-Islet, Saint Lucia

Support Hours: Our customer support team is available 24/7 to assist with refund and withdrawal inquiries.