Refund Policy
When fees for underwriting application audit engagements may be refunded, reduced, or retained.
Last updated: 8 August 2026
This policy applies to professional engagements with Data Index Hub for financial audit of insurance underwriting applications and related reviews. It does not cover physical goods, software licences, or subscription products — we do not sell those.
Eligibility
Refunds are considered when:
- We cancel an engagement before substantive review begins
- You cancel in writing before we start examining the pack, subject to the deposit rules below
- We materially fail to deliver the agreed written deliverable and cannot cure within a reasonable time
Timeframe to request
Request a refund within 14 days of the invoice date or the cancellation date, whichever is earlier, by emailing info@dataindex-hub.digital with your engagement reference.
Full refunds
A full refund of amounts paid is available if we have not started substantive file examination and no deposit forfeiture applies, or if we cancel for reasons within our control before delivery.
Partial refunds
If work has started but the engagement is stopped by mutual agreement, we may refund the unused portion of fees after deducting time already spent at the agreed day rate or a reasonable estimate of completed work.
Non-refundable items
- Deposits once substantive review has begun
- Fees for completed memoranda or findings notes already delivered
- Third-party costs you authorised in writing (for example courier of physical files), once incurred
- Time spent on clarification rounds already included and used
Deposits
Engagements above THB 50,000 may require a 30% deposit to reserve a review window. If you cancel more than five working days before the agreed start date, the deposit is refundable minus a THB 3,000 administration charge. If you cancel within five working days of the start date, the deposit may be retained in full unless we fill the window with another engagement, in which case we refund the unused portion.
Cancellation and rescheduling
You may reschedule once without charge if you give at least five working days’ notice and a new window is available within 30 days. Further reschedules may be treated as cancellations for deposit purposes.
No-shows and incomplete packs
If the pack does not arrive by the agreed start date and you do not respond within two working days, we may treat the engagement as cancelled and apply deposit rules. Waiting time beyond two hours for an agreed on-site walkthrough may be billed.
Work already started
Once examination of documents has begun, fees for time spent are due. Deliverables prepared to the stop date remain billable.
Refund process and timing
Approved refunds are processed within 14 business days using the original payment method where possible, or by bank transfer to an account you nominate. Processing times at your bank may add further days.
Contact for refund requests
Data Index Hub
Level 12, 95 Rat-U-Thit Road, Patong, Phuket 83150
Phone: +66 76 555 763
Email: info@dataindex-hub.digital
Exceptions
Mandatory consumer protections under Thai law take precedence where they apply. This policy does not limit rights that cannot be waived by contract.