Refund Policy

Scope

Policy Scope

A refund request must relate to UCard Radar's own paid membership order and must be verifiable through the order number, payment account, or payment service provider's records.

This Policy Covers

UCard Radar Pro monthly or annual membership orders
UCard Radar Business monthly or annual membership orders
Duplicate payments, incorrect payments, or cases where payment was made but benefits were not properly delivered
Payment exceptions arising through the UCard Radar checkout process

This Policy Does Not Cover

Card-opening fees, deposits, purchase amounts, and refunds for third-party U cards or crypto payment cards
Account disputes involving third-party wallets, exchanges, issuers, or card providers
Products or services purchased directly by users on third-party websites
On-chain transfers or bank card transactions unrelated to UCard Radar membership orders

Handling Principles

Refund Processing Principles

Order-by-Order Verification

Each request is reviewed against the order, payment status, benefit delivery, usage, payment channel records, and applicable rules. A refund is not issued automatically based solely on a screenshot or unilateral statement.

Original Payment Channel Preferred

Once approved, refunds will be processed through the original payment channel whenever possible. The actual method, currency, and timing of receipt depend on the payment service provider, bank, card network, or blockchain network.

Renewals and Refunds Are Handled Separately

Current cryptocurrency orders are one-time payments and do not auto-renew. A user-initiated renewal creates a new order and does not automatically reverse a previously completed payment. Refunds must be requested and reviewed separately.

Mandatory Rights Take Priority

Where applicable law or payment service provider rules grant users stronger, non-waivable refund, withdrawal, or dispute rights, those rules take precedence.

Service Operator and Payment Transaction Roles

UCard Radar's service operations, membership benefit delivery, and refund support are provided by Shenzhen Tongda Smart IoT Technology Co., Ltd. Its contact address is Area 5, 5th Floor, Building M2, Maqueling Industrial Park, Keji Zhonger Road, Science Park, Yuehai Subdistrict, Nanshan District, Shenzhen, Guangdong Province, China.

Unless the checkout confirmation page, order confirmation, or receipt expressly identifies another entity as the seller or Merchant of Record for the relevant transaction, Shenzhen Tongda Smart IoT Technology Co., Ltd. is the contractual counterparty for UCard Radar's direct subscription services.
For orders completed through Paddle or Creem, if the checkout page or receipt identifies that entity as the online reseller, seller, or Merchant of Record, the entity shown on the page assumes responsibility under the buyer terms effective at the time of the transaction for payment collection, taxes, invoicing, withdrawal, refund execution, and payment disputes in the corresponding sales transaction. The specific identity and responsibilities are determined by the actual checkout information, order confirmation, and receipt.
For orders completed through NOWPayments, NOWPayments provides a crypto-asset payment gateway or payment processing capabilities and does not thereby become the provider of UCard Radar's information services, the contractual counterparty, or the Merchant of Record. Shenzhen Tongda Smart IoT Technology Co., Ltd. remains the merchant and service provider in that service relationship, while payment processing, on-chain transactions, and technical refund procedures are also subject to the relevant service provider's rules.
Regardless of how the payment channel is arranged, the UCard Radar operating entity remains responsible for verifying orders and membership benefits within the scope of its services and providing available refund support. No channel terms exclude non-waivable rights under applicable law.

Circumstances Eligible for a Refund Request

A request may be submitted in the following circumstances, but submitting a request does not itself mean that a refund has been approved.

A verifiable duplicate charge occurs for the same order due to a system or payment channel exception.
After successful payment, the corresponding membership benefits are not delivered or are unreasonably delayed due to a UCard Radar technical failure, and we are unable to restore the service after reasonable handling efforts.
Due to an error in UCard Radar's checkout or order system, the amount actually charged, plan, or billing period is materially inconsistent with the confirmed order.
The payment page shows that the payment failed or expired, but the funds are later verifiably received and the corresponding membership benefits are not delivered.
Applicable law, card network rules, or valid payment service provider terms require a refund, withdrawal, or correction.
A payment is suspected of being unauthorized; such requests may also require verification by the payment service provider, bank, or card network.

Circumstances Usually Not Refundable or Where Recovery Cannot Be Guaranteed

The following circumstances generally do not constitute grounds for a refund, but applicable mandatory consumer rights remain unaffected.

Requesting a refund solely because the user changed their mind, forgot to use the service, or no longer needs it after receiving and actually using subscription benefits.
Renewal or duplicate purchase orders initiated and confirmed by the user where the payment amount and plan match the order confirmation.
On-chain payments resulting from the user's entry of an incorrect currency, network, address, or amount. On-chain transactions are irreversible, and whether funds can be recovered depends on their actual status.
Exchange-rate differences, service fees, miner fees, or other third-party charges imposed by banks, card networks, wallets, exchanges, or blockchain networks.
Service restrictions resulting from violations of the Terms of Service, fraud, abuse of the refund mechanism, account sharing, or other misconduct.
Any loss or dispute arising from a third-party card provider, issuer, wallet, exchange, or other external service.

Payment Channels

How Payment Channels Handle Transactions

The following information applies only to payment channels actually offered on the checkout page and used for the relevant order. Channel capabilities, refund paths, and processing status are governed by the order records and service provider rules effective at the time of the transaction.

Current Online Channel: NOWPayments

UCard Radar's current online checkout uses NOWPayments to process cryptocurrency payments. On-chain payments cannot be reversed, and UCard Radar does not promise automatic refunds.

The refund method, currency, network, and refundable amount must be confirmed for each order based on the order and actual receipt records.

Underpayments, Expired Payments, and Irregular Receipts

Orders involving underpayment, receipt after expiration, a currency or network mismatch, or an abnormal payment status are subject to manual review.

Do not make another payment before receiving a clear resolution, and retain the order number and public transaction hash.

Payment Channel Identification Principle

A payment service provider's refund and dispute rules effective at the time of the transaction apply only when the order or payment receipt expressly shows that the transaction was processed by that provider.

Support for any channel is determined by the actual checkout page, order, and receipt. Do not submit a full card number, security code, or account password.

Refund Amounts, Fees, and Destination

The refundable amount depends on the amount actually received, discounts, amounts already refunded, applicable taxes, and the scope that the payment service provider can process. Whether exchange-rate differences, on-chain network fees, or bank or card network fees are refundable depends on the relevant rules and applicable law. Unless the original channel cannot process the refund and a different arrangement is confirmed in writing, refunds will not be sent to a different bank card, third-party account, different wallet, or other alternative channel.

The Difference Between Renewal, Expiration, and Refunds

Orders currently created through NOWPayments are one-time cryptocurrency payments and do not auto-renew. Monthly or annual refers to the validity period of membership benefits and does not mean that the system will automatically charge the user on the expiration date. To extend benefits, the user must initiate a new renewal order.

One-time payment: after an order is completed, no automatic charge will occur in the next period, so there is no need to cancel automatic renewal.
User-initiated renewal: a renewal creates a new payment order and does not cancel or refund the previous order.
Refund request: a request to return a completed payment must be reviewed separately.
Retain the payment receipt, order number, and membership expiration information for verification if an order or benefit dispute arises.

How to Request a Refund

01
Submit a Request
Submit a refund request through the Contact Us page or support@ucardradar.com.
02
Provide Order Information
Provide the registered email address, UCard Radar order number, payment service provider, payment date, amount, currency, and reason for the request.
03
Await Verification
We will verify the order, payment callbacks, benefit delivery, order status, usage, and payment service provider records.
04
Channel Processing
Once the request is approved, a full or partial refund will be submitted through the corresponding payment service provider or manual process.
05
Outcome Notification
The outcome, refund status, and any changes to membership benefits will be communicated through the account or the contact channel used for the request.

Do not send full bank card numbers, CVV, passwords, verification codes, wallet private keys, seed phrases, or exchange login credentials. For on-chain orders, only the public transaction hash and order information are required.

Review, Receipt, and Status Information

Substantive review begins only after sufficient information has been received. Processing and receipt times vary depending on the payment service provider, blockchain network, complexity of the request, and statutory procedures, so a uniform fixed number of days for receipt cannot be promised.

If materials are incomplete, the order cannot be matched, or the payment status is still being confirmed, the request will be paused and additional information will be required.
A payment service provider status of pending approval does not mean that the refund has received final approval. Do not submit the same request repeatedly.
After a refund is approved, the wallet, exchange, or payment service provider may still require additional time to display the funds as received.
An on-chain refund requires confirmation of the funds actually received, the available network, address ownership, and compliance status, and cannot be presumed to follow a fixed timetable.
Payment disputes are handled under the payment service provider's effective procedures, and the related benefits may be temporarily restricted during that period.

Membership Benefits After a Refund

A refund affects only the order associated with that payment and does not cancel other membership benefits that remain valid and were paid for independently.

After any approved refund, including a full or partial refund, or confirmation of a payment reversal, the membership benefits provided by the corresponding order may be terminated or suspended immediately.
Other membership orders that were paid for independently and remain within their validity periods do not automatically become invalid because of this refund.
When a membership expires, its benefits end according to the validity period associated with the order. Normal expiration is not a refund or payment reversal.
Continued access to refunded benefits, malicious chargebacks, or abuse of the refund mechanism may trigger account restrictions and further verification.

Applicable Law and Payment Service Provider Rules

This policy does not exclude or limit non-waivable consumer rights under applicable law. If the laws of the user's location, payment service provider terms, or card network rules provide greater protection, they will take precedence within their applicable scope.

The contractual counterparty, withdrawal rights, refund conditions, dispute channels, and tax treatment may differ between payment channels. Users should also review the payment confirmation page, receipt, and the corresponding payment service provider's terms effective at the time of the transaction.

Frequently Asked Questions

Do monthly or annual orders renew automatically?

Current NOWPayments orders are one-time payments and do not auto-renew. Monthly or annual refers to the validity period of membership benefits. To renew, the user must initiate a new order.

Can an on-chain payment be refunded if I selected the wrong network?

There is no guarantee. On-chain transactions are irreversible, and whether recoverable funds exist must be manually verified based on the order, currency, network, and actual receipt status.

How long does it take to receive an approved refund?

It depends on the payment service provider, bank, card network, or blockchain network. We will provide available processing status but do not promise a uniform fixed number of days.

Can I continue using my membership after a refund?

After a full refund or payment reversal is confirmed, the benefits provided by the corresponding order may be terminated or suspended immediately. Other independent orders that remain valid are unaffected.

Can I request a refund from UCard Radar if a third-party U card deposit or purchase fails?

No. This policy applies only to UCard Radar's own membership orders and does not apply to any fund or account dispute involving a third-party card provider, issuer, wallet, or exchange.