Refund Policy

1. Overview

At Hyphe Markets GmbH, we are committed to ensuring complete customer satisfaction with all our financial services and products. We understand that circumstances may arise where a refund may be necessary, and we have established this policy to provide clear guidance on our refund procedures.

This Refund Policy applies to all services and products offered by Hyphe Markets GmbH and is governed by the laws of the Federal Republic of Germany. By using our services, you agree to the terms outlined in this policy.

2. Eligibility for Refunds

To be eligible for a refund, the following conditions must be met:

Proof of Purchase

All refund requests require valid proof of purchase, which may include:

• Original invoice or receipt
• Order confirmation email
• Bank or credit card statement showing the transaction
• Service agreement or contract reference number

Service Condition Requirements

• Services must not have been fully utilized or completed
• Digital products must not have been downloaded or accessed beyond the preview stage
• Consultation services may be prorated based on time already spent

3. Non-Refundable Items and Services

The following items and services are not eligible for refunds under any circumstances:

• Completed financial consultations and advisory sessions
• Executed investment transactions and trading fees
• Custom financial reports and analysis already delivered
• Third-party service fees that have already been processed
• Registration fees for seminars and workshops already attended
• Promotional services marked as non-refundable at time of purchase
• Account setup and administrative fees
• Services where the client has breached the terms of service

4. Refund Process

To request a refund, please follow these steps:

1. Submit Your Request

   Contact our customer service team via email at info@hyphe.it.com or by phone at +4903841711111. Include your order number, proof of purchase, and reason for the refund request.

2. Request Review

   Our team will review your request within 3-5 business days. We may contact you for additional information if needed.

3. Decision Notification

   You will receive an email notification regarding the status of your refund request, including approval, partial approval, or denial with explanation.

4. Refund Processing

   If approved, your refund will be processed within 7-10 business days to your original payment method.

5. Refund Methods

Approved refunds will be processed using the following methods:

In cases where the original payment method is no longer available (e.g., expired card, closed account), we will work with you to arrange an alternative refund method, which may include a bank transfer to your designated account.

Partial Refunds

In certain situations, partial refunds may be granted:

• Services that have been partially delivered or used
• Subscription cancellations mid-cycle (prorated amount)
• Bundle packages where some components have been utilized

6. Exchanges

We offer service exchanges as an alternative to refunds in many cases:

• Service Upgrade: Exchange your current service for a higher-tier service by paying the difference
• Service Downgrade: Exchange for a lower-tier service with a partial refund for the difference
• Service Credit: Receive credit toward future services instead of a cash refund
• Alternative Service: Switch to a different service of equal value

7. Damaged or Defective Services

If you believe you have received a defective service or product, or if our service did not perform as described, special policies apply:

Resolution Options for Defective Services

• Full refund if the service cannot be corrected
• Service re-delivery at no additional cost
• Partial refund with corrective service
• Service credit toward future services with bonus compensation

Technical Issues with Digital Products

For digital products (reports, software access, online tools) that do not function properly:

• Contact technical support first for troubleshooting
• If the issue cannot be resolved, a full refund will be provided
• Extended access time may be granted while issues are being resolved

8. Contact Information

For all refund-related inquiries, please contact our customer support team:

When contacting us regarding a refund, please have the following information ready:

• Your full name and account information
• Order or invoice number
• Date of purchase
• Reason for the refund request
• Any relevant documentation or screenshots

Last Updated: January 2026