Refund & Dispute Policy

1. Overview

Hogapay is a contribution management platform that facilitates voluntary donations and gifts between users. As such, contributions made through the platform are generally non-refundable, except in specific situations outlined in this policy.

2. Nature of Contributions

All contributions made through Hogapay are:

• voluntary
• made as donations or gifts
• non-refundable by default
• made with no expectation of returns, rewards, or financial gain

Contributors are responsible for reviewing jar details before making a contribution.

3. Refund Eligibility

Refunds may be processed under the following conditions:

a. Inactive Jars

If a jar remains inactive for a continuous period of 14 days (i.e., no new contributions or activity):

• Hogapay will notify the organizer to withdraw available funds
• Notifications will be sent via push notifications and email during the inactivity period (e.g., around day 7, day 12, and a final notice before refund processing)
• If the organizer does not take action, Hogapay may initiate refunds for any remaining balance in the jar

Hogapay reserves the right to automatically refund contributions to the original contributors after reasonable notice has been provided.

b. Failed or Duplicate Transactions

Refunds may be issued where:

• a payment fails but funds are deducted
• duplicate payments occur due to system or processing errors

Such cases will be reviewed and resolved accordingly.

c. Technical Errors

Refunds may be considered if:

• a system error results in incorrect transaction processing
• funds are incorrectly recorded, allocated, or displayed

4. Refund Process

• Refunds will be made to the original payment method where possible
• For mobile money or unavailable channels, a reasonable alternative method may be used
• Processing timelines depend on third-party payment providers and may vary

Hogapay will make reasonable efforts to process refunds promptly but does not guarantee specific timelines.

5. Organizer Responsibilities

Organizers are responsible for:

• withdrawing funds in a timely manner
• clearly stating the purpose of the jar
• ensuring that all information shared with contributors is accurate

Hogapay is not responsible for how funds are used once withdrawn by the organizer.

6. Disputes Between Users

Hogapay does not mediate or resolve disputes between:

• organizers
• collectors
• contributors

This includes disputes related to:

• use or misuse of funds
• expectations of contributions
• delivery of goods, services, or outcomes

Users are encouraged to resolve disputes directly between themselves.

7. Misuse & Fraud

If Hogapay detects or receives reports of:

• fraudulent activity
• misleading or deceptive jars
• impersonation or abuse of the platform

We reserve the right to:

• suspend or terminate user accounts
• restrict access to the platform
• reverse or block transactions where possible
• cooperate with law enforcement where required

8. Limitations of Liability

Hogapay is not liable for:

• failed refund attempts due to incorrect user information
• delays caused by third-party payment providers
• losses resulting from user actions or disputes
• inability to recover funds once withdrawn by an organizer

9. Policy Updates

Hogapay may update this Refund & Dispute Policy from time to time. Continued use of the platform after updates constitutes acceptance of the revised policy.