Refund Policy

1. Nature of Our Service

GiftKhan.org is a free educational resource website that provides information and guides about prepaid card balance management in Canada. We do not:

• Sell products or services
• Process payments or transactions
• Issue or distribute prepaid cards
• Charge fees for website access or content
• Offer paid memberships or subscriptions

2. No Purchases or Transactions

Since GiftKhan.org is a completely free informational website with no products, services, or paid features, there are no purchases or transactions that would require refunds. All content and resources on our website are provided free of charge to visitors.

3. Third-Party Transactions

GiftKhan.org does not process, facilitate, or have any involvement in:

• Prepaid card purchases
• Card balance transactions
• Card activation or reload fees
• Any financial transactions between users and card issuers

Important: If you need a refund related to a prepaid card purchase, transaction, or any card-related fees, you must contact the card issuer directly. GiftKhan.org cannot assist with refunds for prepaid card transactions.

4. Card Issuer Refund Policies

Each prepaid card issuer has its own refund and return policies. For refunds related to:

• Card purchase fees
• Activation charges
• Maintenance or service fees
• Disputed transactions
• Merchant refunds to your card

Please contact your card issuer using the customer service number on the back of your card. We recommend:

• Reading your card's terms and conditions for refund policies
• Keeping all purchase receipts and transaction records
• Documenting all communications with card issuers
• Understanding time limits for refund requests

5. Merchant Refunds to Prepaid Cards

If you made a purchase with your prepaid card and need a refund from a merchant, please note:

• Contact the merchant directly for their refund policy
• Refunds are typically credited back to the prepaid card used for purchase
• Refund processing can take 5-10 business days
• Your card must still be active to receive refunds
• Keep purchase receipts to facilitate returns

For detailed guidance on refunds to prepaid cards, visit our FAQ page.

6. Information Accuracy

While we strive to provide accurate information about prepaid card refund procedures:

• We cannot guarantee refund outcomes
• Refund policies vary by card issuer and merchant
• Information may change without notice
• Always verify current policies with your card issuer

7. No Liability for Refund Issues

GiftKhan.org is not responsible or liable for:

• Refund delays or denials by card issuers
• Merchant refund policies or procedures
• Loss of funds due to card expiration before refund processing
• Disputes between users and card issuers or merchants
• Changes to card issuer refund policies

8. Educational Guidance Only

Any information we provide about refunds is for educational purposes only and should not be considered:

• Legal advice or representation
• Official guidance from card issuers
• A guarantee of refund approval
• Financial or consumer advice

9. Consumer Protection

For consumer protection issues related to prepaid cards in Canada:

• Contact the Financial Consumer Agency of Canada (FCAC)
• File complaints with provincial consumer protection offices
• Review the Canadian Code of Practice for Consumer Debit Card Services
• Consult with consumer advocacy organizations

GiftKhan.org is not a consumer advocacy organization and cannot intervene in disputes.

10. Future Paid Services

Should GiftKhan.org introduce any paid products or services in the future:

• We will clearly disclose all terms and conditions
• A specific refund policy will be provided for paid offerings
• Users will be notified of any changes to our service model
• Transparent pricing and refund terms will be maintained

Currently, all content remains free with no purchases or refunds applicable.

11. Contact for Refund Questions

If you have questions about:

• Prepaid card refunds: Contact your card issuer directly
• Merchant refunds: Contact the merchant where you made the purchase
• This policy: Contact us through our Contact Page

12. Policy Updates

We reserve the right to update this Refund Policy at any time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of the website constitutes acceptance of any modifications.