Refunds & Cancellation
What you pay for, when we refund it, and how to stop paying. This policy forms part of our Terms of Service.
1. What you are paying for
Lumina Catalog is a subscription. You choose a plan and a billing term, and pay for that term up front in Nigerian Naira. There is a free plan, and you can build and publish a catalog on it without paying anything — so you can try the service properly before you buy.
| Plan | Monthly price |
|---|---|
| Free | Free |
| Starter | ₦4,000 |
| Pro | ₦15,000 |
| Business | ₦45,000 |
Quarterly billing is discounted 8%, and annual billing gives 2 months free. The exact amount is shown before you pay, and that is the amount charged.
2. The 14-day refund window
If you ask within 14 days of a payment, we refund it in full, no reason needed. This applies to your first payment and to each renewal. Email pechenergysolutions@gmail.com from the address on your account and say you want a refund.
We do not require you to have stopped using the service, and we do not ask you to justify the request.
3. After 14 days
After the 14-day window we refund in these cases:
- We were down. If the service was unavailable for more than 24 hours in a calendar month for reasons within our control, we refund that month pro rata on request.
- A paid feature stopped working. If a feature included in your plan is broken or withdrawn and we cannot restore it within 14 days of you reporting it, we refund the unused part of your term.
- You were charged in error. A duplicate charge, a charge after a valid cancellation, or a charge at the wrong amount is refunded in full as soon as we confirm it.
- We closed your account without cause. We refund the unused part of your term.
Outside those cases we do not refund the remainder of a term you have already started. You keep full access until the term ends.
4. What is not refundable
- A term that has already fully elapsed.
- An account closed by us for a serious breach of the acceptable-use section of our Terms.
- Money a buyer paid to a seller. We never hold that money — it goes directly between them, so there is nothing for us to refund. Take it up with the seller.
- Charges you dispute more than 6 months after they were made.
5. How to cancel
Cancel at any time from your plan settings in the app, or by emailing pechenergysolutions@gmail.com. Cancelling stops the next renewal. It does not end the term you have already paid for — you keep your plan until that term ends, then move to the free plan.
We do not require notice periods, phone calls or a reason. If you cancel and were within 14 days of the payment, say so and we will refund it as well as cancelling.
6. What happens to your catalogs
Cancelling does not delete anything. Your account moves to the free plan and your catalogs, products and quotes stay where they are. If your usage is over the free plan's limits, catalogs beyond the limit are unpublished rather than deleted — their links stop resolving until you reduce your usage or resubscribe, and the content is untouched.
Deletion only happens when you delete something yourself. See section 9 of the Terms for how the 7-day bin works.
7. How refunds are paid
Refunds go back to the original payment method through Paystack or Flutterwave, in Naira, for the amount originally charged. We approve refund requests within 3 business days; the money typically reaches a Nigerian card or bank account in 5–10 business days after that, depending on your bank. We do not charge a fee to process a refund.
If you paid by card in another currency, your bank sets the exchange rate on the refund, so the amount you receive may differ slightly from what you paid. That difference is not something we control or can compensate.
8. If you are not satisfied with our answer
Reply to us first and ask for it to be escalated — most disputes are a misunderstanding about which term was charged. If we still cannot resolve it, you may complain to the Federal Competition and Consumer Protection Commission (FCCPC), or raise a chargeback with your bank. We would rather you came to us first: a chargeback takes longer and we can usually just refund you.
9. Contact
PECH ENERGY SOLUTIONS LTD
RC 8424221
Email: pechenergysolutions@gmail.com
WhatsApp: 0816 401 8740