Refund and Withdrawal Policy

Version 1.0 - effective July 22, 2026

This policy applies to challenge purchases supplied by SIA NordF, trading as Nordfunded, registration number 50203736551, registered at Vesetas iela 24-45, Riga, LV-1013, Latvia. Read it together with the Terms of Use and the order confirmation for the purchased challenge.

1. Nature of the purchase

A challenge fee purchases access to a simulated trading evaluation service. It is not a customer deposit, investment, trading capital contribution or payment for a guaranteed funded account or payout. Service may include account creation, platform access, simulated trading functionality, rule monitoring, performance assessment and support.

2. Statutory right of withdrawal

A qualifying consumer who purchases the service online generally has 14 days from the date the contract is concluded to withdraw without giving a reason, subject to applicable exceptions and the rules for services that begin during the withdrawal period.

To exercise withdrawal, email [email protected] before the deadline with an unequivocal statement that you withdraw from the contract. Include your name, account email, order or challenge identifier and purchase date. You may use the following wording:

I hereby withdraw from my contract for the Nordfunded challenge purchased on [date], order or challenge ID [number]. My name is [name] and my account email is [email].

Nordfunded will acknowledge receipt on a durable medium, such as email, without undue delay.

3. Immediate performance during the withdrawal period

Challenge access is normally intended to begin shortly after confirmed payment. Before immediate performance starts, the checkout process should request the consumer's express instruction to begin service before the 14-day withdrawal period ends.

If a qualifying consumer validly withdraws after expressly requesting immediate performance, Nordfunded may retain or charge only a proportionate amount for service already supplied, to the extent permitted by applicable law. If the service has been fully performed during the withdrawal period, the withdrawal right may be lost only where the legally required express request and acknowledgement were obtained.

Merely issuing credentials does not automatically remove a mandatory withdrawal right where the legal requirements for immediate or full performance were not satisfied.

4. Refunds outside the statutory withdrawal right

Where no mandatory withdrawal or refund right applies, a challenge fee is generally not refundable after meaningful use of the simulated evaluation service. Meaningful use includes placing a simulated order, materially interacting with an active challenge or completing the evaluation.

Nordfunded may still provide a full or partial refund, replacement or account restoration where:

• a duplicate payment was made;
• payment was confirmed but no challenge was supplied;
• Nordfunded cannot lawfully or technically provide an unused challenge;
• a verified platform defect made the purchased service materially unusable;
• an incorrect platform calculation caused a breach that cannot reasonably be restored;
• another refund is required by applicable law.

5. Platform errors and outages

Report a suspected technical error promptly with the challenge identifier, time, affected symbol or action, screenshots and any other relevant evidence. Nordfunded will review platform logs and market-data records where available.

A verified Nordfunded error may be remedied by correcting the record, restoring the account, extending access, replacing the challenge or refunding the unused service where restoration or replacement is not reasonably possible. The remedy will be selected according to the effect of the error and must not be withheld solely at Nordfunded's discretion without regard to evidence.

6. Duplicate, partial and incorrect crypto payments

• Duplicate confirmed payments for the same intended order may be refunded after verification.
• A partial payment may remain pending with the payment provider until the shortfall is resolved or the invoice expires.
• A crypto payment sent to the wrong address or network may be irreversible and may not be recoverable by Nordfunded.
• Network fees, conversion differences and payment-provider charges may be deducted only where permitted and clearly explained.

Include the blockchain transaction identifier and payment invoice identifier when requesting help with a crypto payment.

7. Failed challenges and retry benefits

A challenge that fails because an objective rule was reached is not normally refundable solely because it failed. A purchased plan or promotion may provide a retry code, discounted retry or fee reimbursement benefit. Those benefits are governed by the terms shown for that plan or promotion.

Where a plan includes reimbursement of the original challenge fee with the first approved payout, that reimbursement is a contractual plan benefit. It is not the same as a statutory withdrawal or a refund of a failed challenge.

8. Investigation, fraud and chargebacks

Nordfunded may pause a refund while investigating credible evidence of account theft, false identity, duplicate refund requests, sanctions concerns, payment fraud or a knowingly false chargeback. The user will receive the general reason where legally and operationally possible and may submit an explanation under the appeal process in the Terms of Use.

A legitimate consumer complaint or good-faith payment dispute will not by itself be treated as fraud.

9. Refund method and timing

A legally required refund will be made without undue delay and within the time required by applicable law. Other approved refunds are normally processed within 5 to 10 business days after approval, although blockchain or payment-provider timing may vary.

Nordfunded will normally use the original payment route where technically and legally possible. For crypto payments, Nordfunded may require confirmation of a compatible return wallet and network. The user must carefully verify any return address because blockchain transfers are generally irreversible.

10. Complaints and governing law

Send refund complaints to [email protected]. Nordfunded aims to acknowledge them within 2 business days and provide a substantive response within 15 business days. A qualifying Latvian consumer may seek assistance from the Latvian Consumer Rights Protection Centre after first submitting a written complaint to Nordfunded.

This policy is governed by Latvian law. That choice does not remove mandatory consumer protections or jurisdiction rights available under applicable European Union law or the law of a qualifying consumer's country of habitual residence.

11. Changes

Updates apply prospectively. A change will not retroactively remove a withdrawal or refund right that applied when a challenge was purchased. The version associated with the purchase may be requested from support.