Refund Policy

This policy applies to purchases made directly through Visa Wingman — that is, purchases you complete on www.visawingman.com where payment is processed by our website payment provider.

Purchases made through the Apple App Store are billed by Apple, not by us. Refunds for those purchases are administered by Apple through Apple's own refund process and the terms that apply to your Apple account. We cannot directly refund an Apple transaction. If an Apple purchase did not unlock the access you paid for, contact us at support@visawingman.com and we will help restore your access and, where appropriate, provide documentation that supports your request to Apple.

Visa Wingman passes are one-time purchases for a fixed access period. Nothing renews automatically, so there is no subscription to cancel.

We will review a refund request where, for example:

• you were charged more than once for the same purchase, or a duplicate payment was taken in error;
• your payment succeeded but the paid access or service was not delivered to your account;
• a significant technical fault attributable to Visa Wingman prevents you from using the paid service and cannot reasonably be resolved; or
• a refund is required under applicable law.

Where a duplicate charge is confirmed from our payment and fulfilment records, we will refund the duplicate.

Subject to your rights under applicable law, a refund would not ordinarily be provided solely because of:

• a change of mind after the paid digital service has been delivered and materially used;
• a visa refusal, rejection, or any other decision made by an embassy, consulate, or government authority;
• an inability to obtain an appointment, or appointment availability outside our control;
• a change in official visa requirements, fees, or processes after your purchase;
• incorrect or incomplete information provided by you;
• dissatisfaction with an immigration outcome; or
• events outside Visa Wingman's reasonable control.

Visa Wingman helps you prepare and organize. It does not decide, and cannot influence, the outcome of a visa application.

Nothing in this policy limits or waives any mandatory consumer rights you have under Philippine law or other applicable law.

Please send your request within 7 calendar days of the direct Visa Wingman purchase you are asking about. Where applicable law gives you a longer period or a broader right, that law applies and this 7-day guideline does not limit it.

Email support@visawingman.com from the email address on your Visa Wingman account and include:

• your account email address;
• the transaction or payment reference, if you have it;
• the date of purchase;
• the product or service purchased (for example, Journey Pass);
• the reason for the request; and
• a screenshot or short description of the problem, where that helps.

Please do not email passwords, full payment card numbers, or sensitive identity documents.

We review each request against our payment records, fulfilment and entitlement records, and technical logs — for example whether the payment was confirmed, whether the corresponding access was activated on your account, and whether the service was used.

We will tell you the outcome by email. Where a refund is approved, it is returned through the original payment method. The time it takes to appear on your statement depends on your bank, card issuer, or wallet provider and is outside our control.

We may decline a refund request where there is evidence of fraud, abuse, or material misuse of the service — for example repeated purchase-and-refund cycles or chargebacks used to obtain paid access without paying. This is subject to applicable law.

This policy forms part of our Terms and Conditions. How we handle payment and account records is described in our Privacy Policy.