Refund Policy

At Pact.pk, we operate on a secure escrow-based payment system to protect both clients and freelancers. This Refund Policy outlines when and how refunds are processed on our platform.

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1. Escrow System Overview

All payments on Pact.pk are held in a secure escrow account (managed through our payment partner, RapidPay) until the client approves the completed work. This ensures that funds are only released when both parties are satisfied.

2. When Refunds Are Issued

We issue refunds in the following situations:

Situation	Description	Refund Eligibility
Freelancer Fails to Deliver	Freelancer does not complete the work as per the contract agreement.	Full Refund
Client Cancels Before Work Starts	Client cancels the project before the freelancer has begun work.	Full Refund
Admin Dispute Resolution	Admin rules in favor of the client after reviewing a dispute.	Full or Partial Refund (as decided by Admin)
Fraud or Policy Violation	Freelancer is found to have violated platform policies (e.g., external payments).	Full Refund

3. When Refunds Are Not Issued

Refunds will not be provided in the following cases:

• The client has already marked the project as "Complete" and funds have been released to the freelancer.
• The freelancer has begun work and the client cancels without a valid reason (partial compensation may be provided).
• Platform service fees (if applicable) are non-refundable.
• Payments made outside the Pact.pk platform.

4. How to Request a Refund

1. Step 1: Contact the freelancer directly through the platform's chat system to resolve the issue.
2. Step 2: If the issue is not resolved, raise a Dispute from your project dashboard.
3. Step 3: Our admin team will review the dispute, including:
   • Chat history
   • Time logs
   • Contract agreement
   • Milestone progress
4. Step 4: The admin will make a final decision:
   • Refund to Client: Funds will be returned to the client's original payment method.
   • Release to Freelancer: Funds will be released to the freelancer.

5. Refund Processing Time

Once a refund is approved:

• Refunds are processed within 3-5 working days.
• The time it takes for the refund to appear in your account depends on your bank or payment provider.

6. Dispute Resolution Timeline

Stage	Duration	Action
Mutual Discussion	Day 1-3	Both parties try to resolve the issue.
Platform Mediation	Day 4-7	Admin reviews evidence and suggests a resolution.
Final Arbitration	Day 8-14	Admin makes a final, binding decision.

7. Chargebacks & Fraud

If a client initiates a chargeback through their bank or payment provider:

• The client's account will be temporarily suspended.
• Pact.pk will work with RapidPay to resolve the dispute.
• If the chargeback is found to be fraudulent, the client's account may be permanently banned.

8. Contact Us

If you have any questions about this Refund Policy, please contact us:

Email: support@pact.pk
Support: support@pact.pk