OPENACH'S REFUND POLICY

Our return policy for all OpenACH products is as follows:

OpenACH will, in its sole and absolute discretion, allow for the return or replacement of any product purchased using our services within 60 days from the date of purchase. For recurring billing products, returns for more than one payment may be provided if requested within the standard 60 day return period.

Customers requesting a return after 60 days will be required to work directly with the vendor for technical support or customer service. Vendors may request a return, on behalf of a customer, of any purchase up to 90 days after the date of the OpenACH customer's purchase.

If a customer requests a return and the return is approved by OpenACH, the money for the requested transaction is refunded back to the customer, in part or whole. If the return is for a recurring billing product, then the return policy allows for the most recent payment to be refunded. Multiple payment returns can be provided as long as they are within OpenACH's Return Policy. A return on a recurring billing product will also result in cancellation.Returns will only be credited back to the account used to make the original purchase. If the original account has been closed, the purchase is not eligible for return.

When a product is returned, the customer generally receives a full refund. Payouts from that sale are debited back out of the corresponding vendor and affiliate accounts. Due to the digital format of OpenACH products, when a product is returned the customer retains the product and, in many cases, the customer has received a benefit from the product prior to the return. In such cases, OpenACH reserves the right to issue a refund for less than the full purchase price.

Our vendors are not permitted to make any guarantee that conflicts with our return policy. If you find a product sold through OpenACH with any warranty that conflicts with our return policy, please bring it to our attention so that we may take corrective action.

REASONS WHY A PURCHASE MAY BE REFUNDED

OpenACH has every incentive to keep customers happy by providing quality products and service. To promote customer satisfaction, OpenACH reserves the right to reverse a sale, including but not limited to the following:

If the customer provides a valid reason for requesting a return within 60 days of purchase;
If the vendor of the product requests a return on the customer's behalf within 90 days of purchase if our customer service team confirms there is a valid reason for the return;
If the customer provides a valid report that the charge was fraudulent or unauthorized;
In order to comply with credit card industry rules, ACH industry rules, PayPal terms of service, U.S. law, and requests from verified US judiciary or law enforcement agents; or
For any other reason OpenACH deems appropriate.

OPENACH'S CANCELLATION POLICY

A customer may cancel a product with a recurring billing subscription at any time. A cancellation means that no future payments are charged to the customer's account. The cancellation of a recurring billing product does not generate a refund - it will only stop any future payments.

ABUSE OF THE RETURN POLICY

Customers requesting serial or repeated returns may be blocked from making further purchases using the OpenACH services. Customers that violate the terms of use of a product may have their right of return revoked for such product.

NOTE TO OPENACH CLIENTS

This Return and Cancellation Policy is part of, and incorporated within, the OpenACH Client Contract. As a condition of registering with OpenACH and using the OpenACH Services, you expressly acknowledge that you have read and understand this Return and Cancellation Policy and you agree to be bound by its terms and conditions. If at any time you disagree with this Return and Cancellation Policy or any part of it, your sole remedy is to cease all use of the OpenACH Services and terminate your account. Please note, however, that any transactions which occurred prior to the date of such termination shall be governed and controlled in full by the terms of this Return and Cancellation Policy.