Refund Policy
Last Updated: 09/03/2026
Governing payments made through https://www.azcolegal.com
IMPORTANT – PLEASE READ CAREFULLY: This Refund Policy applies to all payments made to AZ&Co. Legal through the Website at https://www.azcolegal.com or in connection with services engaged via the Website. By making a payment to AZ&Co. Legal, you confirm that you have read, understood, and agree to be bound by this Policy. This Policy forms part of, and must be read together with, the AZ&Co. Legal Terms & Conditions and Privacy Policy, each of which is available on the Website.
1. DEFINITIONS AND INTERPRETATION
1.1 In this Refund Policy, the following terms have the meanings set out below, consistent with the definitions in the AZ&Co. Legal Terms & Conditions:
i. "AZ&Co. Legal," "we," "us," "our": AZ&Co. Legal and its subsidiaries, affiliates, directors, officers, employees, and authorised agents.
ii. "Website": The website accessible at https://www.azcolegal.com, including all pages, subdomains, and digital content hosted thereon.
iii. "Client," "you," "your": Any individual or entity that has made or is seeking to make a payment to AZ&Co. Legal in connection with the Services.
iv. "Services": The professional services offered by AZ&Co. Legal, including Legal Services, Business Setup & Corporate Solutions, Attestation Services, Visa & Immigration Services, Audit/Finance & Tax Services, and PRO & Government Services.
v. "Engagement Letter": A separate written agreement executed between AZ&Co. Legal and a client governing the specific terms of a professional services engagement.
vi. "Disbursements": Third-party costs and expenses incurred by AZ&Co. Legal on a client's behalf, including but not limited to government fees, court fees, translation fees, courier costs, and registration charges.
vii. "Payment Gateway": An independent third-party online payment processing platform through which card payments and digital wallet payments made via the Website are processed.
viii. "Refund": A return of all or part of a payment made to AZ&Co. Legal, approved at AZ&Co. Legal's sole discretion in accordance with the terms of this Policy.
ix. "UAE": The United Arab Emirates.
References to any statute, decree, or regulation include all amendments and re-enactments. Headings are for convenience only and do not affect interpretation.
2. SCOPE AND APPLICATION
2.1 Payments Covered
This Refund Policy applies to all payments made to AZ&Co. Legal through the Website, including:
i. Payments made via credit or debit card through the Payment Gateway;
ii. Payments made via Apple Pay or Google Pay through the Payment Gateway;
iii. Bank transfers made to AZ&Co. Legal’s designated account in connection with a matter initiated or managed through the Website; and
iv. Advance payments, retainers, and fixed-fee payments made prior to or during a service engagement.
2.2 Payments Not Covered
This Policy does not apply to payments made outside the scope of the Website (for example, payments made pursuant to a separately negotiated Engagement Letter that expressly provides for different refund terms). In the event of a conflict between this Policy and the applicable Engagement Letter, the Engagement Letter shall prevail to the extent of the inconsistency.
3. GENERAL POSITION ON REFUNDS
3.1 Given the professional and time-sensitive nature of legal services, AZ&Co. Legal does not operate a standard right-of-return or automatic refund entitlement. All refund requests are assessed on a case-by-case basis at the sole and absolute discretion of AZ&Co. Legal, having regard to the factors set out in this Policy.
3.2 The exercise of discretion in favour of a refund in any particular case does not create an obligation, precedent, or entitlement to a refund in any future case. No refund entitlement arises solely by reason of a payment having been made through the Website.
4. REFUND ELIGIBILITY
4.1 Cancellation Before Work Commences
Where a client cancels an engagement in writing before any substantive work has commenced and before any Disbursements have been incurred or committed, AZ&Co. Legal will consider a refund of any advance payment or retainer paid, less:
i. A reasonable administrative fee to cover onboarding, KYC/AML processing, file opening, and engagement preparation costs (minimum AED 500 or as specified in the Engagement Letter);
ii. Any non-refundable third-party fees, Disbursements, or government fees already committed or paid on the client’s behalf; and
iii. Any time already recorded by AZ&Co. Legal personnel in connection with the matter, billed at the applicable hourly rate set out in the Engagement Letter.
4.2 Cancellation After Work Has Commenced
Where a client cancels or terminates an engagement after substantive work has commenced, no automatic refund entitlement arises. AZ&Co. Legal will invoice for all work completed to the date of termination, all Disbursements incurred, and all non-recoverable third-party commitments made on the client’s behalf. Any advance payment or retainer held will be applied against this amount. A refund of any remaining balance will be considered at AZ&Co. Legal’s absolute discretion.
4.3 Fixed-Fee Services
Where Services are provided on a fixed-fee basis and work has commenced, the full fixed fee is payable regardless of the stage of completion at the time of cancellation, unless AZ&Co. Legal expressly agrees otherwise in writing. Where AZ&Co. Legal is unable to complete a fixed-fee engagement due to circumstances within its own control, a pro-rata refund reflecting work not completed will be offered.
4.4 Retainer Balances
Upon conclusion of an engagement, any unutilised retainer balance will first be applied against all outstanding fees and Disbursements. Any net balance remaining will be returned to the client within thirty (30) calendar days of written confirmation of the engagement’s conclusion, subject to the non-refundable items set out in Section 5.
4.5 Duplicate or Erroneous Payments
Where a duplicate or erroneous payment is made through the Website and notified to AZ&Co. Legal in writing within seven (7) calendar days of the transaction, AZ&Co. Legal will investigate and, if confirmed, process a refund of the excess or erroneous amount within thirty (30) calendar days. Notifications received after seven (7) calendar days will still be considered but cannot be guaranteed.
5. NON-REFUNDABLE ITEMS
5.1 The following items are non-refundable in all circumstances, irrespective of the stage of the engagement or the reason for cancellation:
i. xvii.Government fees, registration fees, court fees, notarisation fees, and attestation charges paid to third parties on the client’s behalf;
ii. xviii.Third-party professional fees (including translators, process servers, and expert witnesses) committed or paid;
iii. xix.Visa application fees and related government charges under all circumstances, including where an application is unsuccessful or refused;
iv. xx.Courier, shipping, and document handling fees incurred;
v. xxi.Administrative onboarding and KYC/AML processing fees; and
vi. xxii.Payment Gateway processing fees and transaction charges, which are levied by the third-party provider and are non-recoverable by AZ&Co. Legal.
6. ONLINE PAYMENTS – SPECIFIC PROVISIONS
6.1 Accepted Payment Methods
AZ&Co. Legal accepts the following payment methods through the Website:
i. Credit and debit card (Visa, Mastercard, and such other cards as may be accepted by the Payment Gateway from time to time);
ii. Apple Pay;
iii. Google Pay; and
iv. Bank transfer to AZ&Co. Legal’s designated UAE bank account, details of which will be provided on the relevant invoice or payment page.
6.2 Payment Gateway – Third-Party Processing
Card, Apple Pay, and Google Pay payments made through the Website are processed by an independent third-party Payment Gateway provider. By using the Payment Gateway, you acknowledge and agree that:
i. Payment processing is governed by the Payment Gateway provider’s own terms of service and privacy policy;
ii. AZ&Co. Legal does not store, process, or have access to your full payment card details. Card data is handled exclusively by the Payment Gateway provider in accordance with Payment Card Industry Data Security Standards (PCI-DSS);
iii. AZ&Co. Legal is not liable for any loss, error, unauthorised access, or failure arising from the Payment Gateway provider’s systems or security infrastructure;
iv. Payment is not confirmed until AZ&Co. Legal receives a successful payment notification from the Payment Gateway provider. A completed transaction on your device does not constitute confirmed receipt until that notification is received; and
v. AZ&Co. Legal reserves the right to change its Payment Gateway provider at any time without notice.
6.3 Online Payment Refunds – Processing
Where a refund is approved in respect of a payment originally made via the Payment Gateway (credit/debit card, Apple Pay, or Google Pay):
i. Refunds will be returned to the original payment method used, where technically feasible;
ii. Refund processing times are subject to the Payment Gateway provider’s own processing timelines, which are outside AZ&Co. Legal’s control. Refunds typically appear within five (5) to ten (10) business days from the date of processing, depending on your card issuer or digital wallet provider;
iii. Any Payment Gateway processing fees or transaction charges levied in connection with the original payment are non-refundable and will be deducted from any approved refund amount; and
iv. AZ&Co. Legal is not responsible for delays in refund credits attributable to your bank, card issuer, or digital wallet provider.
6.4 Bank Transfer Refunds
Where a refund is approved in respect of a payment originally made by bank transfer, the refund will be made by return bank transfer to the originating account. You are responsible for ensuring that AZ&Co. Legal holds accurate bank account details for the refund transfer. AZ&Co. Legal is not responsible for refunds delayed or misdirected due to incorrect account details provided by the client.
Any bank transfer fees or currency conversion costs incurred in processing a refund are your sole responsibility and will be deducted from the approved refund amount.
6.5 Chargebacks and Payment Disputes
If you initiate a chargeback or payment reversal through your bank or card issuer in respect of a payment made to AZ&Co. Legal, you must notify AZ&Co. Legal in writing simultaneously at info@azcolegal.com. Initiating a chargeback without prior written notice and without a legitimate basis constitutes a breach of these Terms and of the AZ&Co. Legal Terms & Conditions. AZ&Co. Legal reserves the right to:
i. Suspend all Services immediately upon notification of a chargeback;
ii. Recover the full amount of the chargeback together with any associated bank fees, reversal charges, and administrative costs;
iii. Pursue recovery through legal proceedings where the chargeback is determined to be without merit; and
iv. Report fraudulent or bad-faith chargebacks to relevant regulatory or law enforcement authorities.
6.6 Bank Transfer – Unidentified Funds
You are responsible for ensuring that the correct invoice reference number is included with every bank transfer. AZ&Co. Legal is not obligated to allocate unidentified funds to any specific invoice or matter. Unidentified funds will be held in a suspense account while AZ&Co. Legal makes reasonable efforts to identify the payer. If funds remain unidentified for thirty (30) calendar days, AZ&Co. Legal reserves the right to return the funds less any bank charges incurred.
7. REFUND REQUEST PROCESS
7.1 How to Submit a Refund Request
All refund and cancellation requests must be submitted in writing to info@azcolegal.com, marked for the attention of the Head of Legal & Compliance. Requests submitted through any other channel will not be considered until formally resubmitted in accordance with this Section.
7.2 Required Information
Each refund request must include the following information. Incomplete requests will not be processed until all required information is provided:
i. Full client name and contact details;
ii. Matter reference number (as stated in the Engagement Letter or invoice);
iii. Invoice number(s) to which the request relates;
iv. Amount claimed and the payment method used (card, Apple Pay, Google Pay, or bank transfer);
v. Date of the original payment;
vi. Full written reasons for the request; and
vii. Supporting documentation (where applicable), including proof of payment.
7.3 Acknowledgement and Response Timeline
AZ&Co. Legal will acknowledge receipt of a complete refund request within three (3) business days of receipt. AZ&Co. Legal will communicate its decision in writing within twenty-one (21) calendar days of receiving a complete request. AZ&Co. Legal may request additional information during this period, in which case the twenty-one (21) day period will be paused pending receipt of the requested information.
7.4 Refund Payment Timeline
Approved refunds will be processed by AZ&Co. Legal within thirty (30) calendar days of written confirmation of approval. The actual credit to your account is subject to the timelines of your bank, card issuer, or Payment Gateway provider, which are outside AZ&Co. Legal’s control.
8. CURRENCY AND EXCHANGE RATE
All payments to and refunds from AZ&Co. Legal are made in UAE Dirhams (AED) unless an alternative currency is expressly agreed in the applicable Engagement Letter. Where a payment was received in a foreign currency, any refund will be calculated in AED at the prevailing exchange rate at the time the refund is processed. Any shortfall arising from exchange rate movement between the date of original payment and the date of refund is your sole responsibility.
9. CONSUMER PROTECTION COMPLIANCE
9.1 Nothing in this Refund Policy limits or excludes any rights you may have under UAE Federal Law No. 15 of 2020 on Consumer Protection and its Executive Regulations (“Consumer Protection Law”) that cannot be excluded or restricted by contract. Where a conflict exists between this Policy and any mandatory provision of the Consumer Protection Law, the Consumer Protection Law shall prevail to the extent of the conflict.
9.2 AZ&Co. Legal complies with its obligations under the Consumer Protection Law and accepts oversight by the UAE Ministry of Economy and relevant emirate-level consumer protection authorities.
10. DATA PROTECTION IN REFUND PROCESSING
10.1 Personal and financial data collected in connection with refund processing — including name, contact details, payment method, and transaction records — is processed in accordance with our Privacy Policy and UAE Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data (PDPL). The lawful basis for processing this data is the performance of a contract and compliance with our legal obligations.
10.2 Transaction and refund records are retained by AZ&Co. Legal for a minimum of seven (7) years in accordance with UAE financial record-keeping obligations. For queries regarding the handling of your financial data, please contact our Data Protection Officer at Aleena.zahid@azcolegal.com.
11. GOVERNING LAW AND DISPUTE RESOLUTION
11.1 This Refund Policy is governed by and construed in accordance with the laws of the United Arab Emirates, including applicable federal laws and the laws of the Emirate of Dubai. Any dispute arising out of or in connection with this Policy shall be subject to the exclusive jurisdiction of the courts of the Emirate of Dubai, in accordance with the dispute resolution provisions set out in the AZ&Co. Legal Terms & Conditions.
11.2 Before initiating formal proceedings, both parties agree to attempt to resolve any refund-related dispute through good faith written negotiation. A party seeking to initiate proceedings must first issue a formal written notice of dispute. If the dispute is not resolved within thirty (30) calendar days of that notice, either party may proceed to file a claim before the competent Dubai court.
12. AMENDMENTS TO THIS POLICY
12.1 AZ&Co. Legal reserves the right to amend, update, or replace this Refund Policy at any time. Material changes will be communicated via a prominent notice on the Website at least fourteen (14) days before the revised Policy takes effect. Non-material changes (such as typographical corrections or structural reformatting) may take effect immediately.
12.2 Your continued use of the Website or submission of a payment after any such changes constitutes your binding acceptance of the revised Policy. The date at the top of this document reflects the most recent revision.
13. CONTACT AND REFUND ENQUIRIES
13.1 For all refund requests and payment-related enquiries, please contact us using the details below:
Organisation - AZ&Co. Legal
Refund & Cancellation Contact - info@azcolegal.com
Head of Legal & Compliance - Arun.m@azcolegal.com
Data Protection Officer - Aleena.zahid@azcolegal.com
Address - 217-54, Business Village Block B, Port Saeed, Deira,
Dubai, United Arab Emirates
13.2 Formal refund requests must be submitted in writing to info@azcolegal.com in accordance with Section 7. Requests submitted through any other channel will not be considered until formally resubmitted.
This Refund Policy is effective as of 09 March 2026 and governs all payments made to AZ&Co. Legal through the Website from that date.
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