Thank you for choosing Risk Intelligence Service.

This Refund and Returns Policy explains how refunds, cancellations, revisions, and delivery-related matters are handled for digital products, intelligence reports, custom risk assessments, research services, consulting deliverables, subscriptions, and other services provided through RiskIntelligenceService.com.

Because Risk Intelligence Service provides specialized digital, analytical, research-based, and often customized intelligence products, our refund and return rules differ from those used for physical goods. By placing an order, purchasing a report, commissioning a custom assessment, downloading digital content, subscribing to a service, or using any paid offering from Risk Intelligence Service, you agree to this Refund and Returns Policy.

Please read this policy carefully before making a purchase.

1. Nature of Our Products and Services

Risk Intelligence Service provides professional risk intelligence products and services, including but not limited to:

Corporate risk assessment reports
Geopolitical risk intelligence reports
OSINT-based company research
Strategic exposure analysis
Due diligence-style intelligence briefings
Sector, market, and jurisdictional risk reviews
Custom enterprise risk assessments
Downloadable digital reports
Premium research products
Advisory and analytical deliverables
Subscription-based intelligence access
Commissioned research and bespoke reporting services

Our products are primarily digital, intellectual, analytical, and research-intensive in nature. Many of our services involve time-sensitive research, professional judgment, information gathering, analytical structuring, data interpretation, writing, formatting, and delivery of digital materials.

As a result, once a digital report has been delivered, downloaded, accessed, or once substantial research work has begun, the product or service generally cannot be returned in the same way as a physical product.

2. General Refund Principle

All purchases are considered final unless a refund is expressly permitted under this policy, required by applicable law, or approved at the sole discretion of Risk Intelligence Service.

We may consider refund requests in limited circumstances, especially where:

A duplicate payment was made by mistake
A payment was processed incorrectly
A purchased digital product was not delivered due to a verified technical issue
The delivered file was corrupted and could not be replaced
The wrong standard product was delivered
The order was cancelled before research or production work began
A refund is legally required under applicable consumer protection law

However, we generally do not provide refunds simply because a customer changes their mind, no longer needs the report, disagrees with an analytical conclusion, expected different findings, or fails to read the product description before purchase.

3. Digital Products and Downloadable Reports

Due to the immediate-access nature of digital products, all sales of downloadable reports, digital files, intelligence documents, PDF reports, datasets, templates, and online materials are generally final once the product has been accessed, downloaded, delivered, or made available to the customer.

Refunds will usually not be granted for digital products where:

The report has already been downloaded
The report has already been delivered by email or download link
The customer has accessed the file or digital product
The customer no longer wants the report after purchase
The customer misunderstood the product despite available descriptions
The customer expected a different conclusion or risk rating
The customer purchased the wrong product by mistake
The product is compatible but the customer lacks the software to open it
The product contains analytical judgments with which the customer disagrees

If a file is technically defective, corrupted, inaccessible, or incomplete, we will make reasonable efforts to provide a replacement copy, corrected version, alternative download link, or technical support before considering a refund.

4. Custom Risk Assessment Reports

Custom risk assessment reports, bespoke intelligence briefings, commissioned company profiles, enterprise exposure reviews, OSINT investigations, and client-specific research projects require dedicated analyst time, research planning, data collection, verification, writing, formatting, and professional review.

For this reason, refund eligibility depends on the stage of work at the time of the cancellation or refund request.

Before Work Begins

If you cancel a custom order before research, planning, analyst allocation, data review, or production work has begun, we may issue a full or partial refund at our discretion, less any payment processing fees, administrative costs, or third-party charges that cannot be recovered.

After Work Has Begun

Once research, analysis, document preparation, project planning, data gathering, or analyst work has started, refunds may be limited or unavailable.

Depending on the amount of work completed, we may offer:

A partial refund
A service credit
A revised scope
A modified deliverable
A replacement report
A reasonable correction or revision

Risk Intelligence Service reserves the right to determine the appropriate remedy based on the work completed, resources allocated, project complexity, and costs already incurred.

After Delivery

Once a custom report has been delivered, refunds are generally not available.

However, if the delivered report materially fails to match the confirmed scope of work, we may provide reasonable revisions, clarifications, corrections, or partial remedies at our discretion.

5. Subscriptions and Recurring Services

If Risk Intelligence Service offers subscriptions, membership access, monitoring services, recurring intelligence updates, or periodic report access, subscription terms may vary depending on the plan purchased.

Unless otherwise stated at the time of purchase:

Subscription fees are billed in advance.
Subscription payments are generally non-refundable once the billing period begins.
Cancellation stops future billing but does not automatically refund the current billing period.
Access may continue until the end of the paid period unless otherwise stated.
Promotional, discounted, or trial subscriptions may be subject to additional conditions.

You are responsible for cancelling your subscription before the next billing date if you do not wish to continue.

Refunds for subscription renewals may be considered only where required by law or where a clear billing error occurred.

6. Consulting, Advisory, and Professional Services

Fees paid for consulting calls, advisory sessions, strategy briefings, research consultations, analyst meetings, or professional advisory engagements are generally non-refundable once the session has been delivered, scheduled resources have been allocated, or preparation work has begun.

If you need to reschedule a consulting session, you must contact us as soon as possible. Rescheduling may be allowed at our discretion, subject to availability and any applicable notice requirements.

Missed sessions, late attendance, or failure to provide required information may not qualify for a refund.

7. Report Revisions and Corrections

Risk Intelligence Service aims to deliver professional, carefully structured, and high-quality analytical products. If you believe a delivered report contains a technical issue, formatting error, missing section, corrupted file, typographical issue, or material inconsistency with the confirmed scope, you should contact us promptly.

Where appropriate, we may provide:

A corrected file
A revised version
A clarification note
A replacement download link
A formatting correction
A reasonable content adjustment
A limited analytical clarification

Revision requests must be reasonable, specific, and related to the confirmed scope of the original purchase.

Revision requests do not include:

Requesting an entirely new report
Changing the original research subject
Adding new companies, countries, sectors, or topics
Expanding the scope after delivery
Demanding a different analytical conclusion
Requesting unlimited edits
Requesting new research not included in the original order

Unless otherwise agreed in writing, revisions are not a substitute for purchasing additional research, expanded analysis, or a new custom assessment.

8. Analytical Disagreement Is Not Grounds for Refund

Risk intelligence involves interpretation, judgment, probability, uncertainty, and professional analysis based on available information at the time of research.

A refund will not normally be granted because a customer disagrees with:

A risk score
A conclusion
An analyst judgment
A confidence level
A risk category
A forecast scenario
A strategic interpretation
A reputational assessment
A geopolitical outlook
A company exposure rating
A source-based assessment

Our reports are intended to support decision-making, not to guarantee a specific commercial, investment, legal, operational, or reputational outcome.

Different analysts, organizations, or stakeholders may interpret risk differently. Analytical disagreement alone does not mean the product is defective.

9. Information Availability Limitations

Some research subjects may have limited publicly available information. Certain companies, jurisdictions, private entities, individuals, ownership structures, legal records, media sources, filings, or databases may be incomplete, outdated, inaccessible, restricted, contradictory, or unavailable.

A refund will not automatically be granted where:

Public data is limited
Sources are unavailable
A company has minimal disclosure
Records are incomplete or outdated
Certain information cannot be legally accessed
Third-party sources are restricted
The subject has limited media or regulatory presence
The final report contains fewer findings than expected due to lack of available information

In such cases, Risk Intelligence Service may still deliver a professional assessment based on the information reasonably available, including limitations, assumptions, confidence levels, and source constraints where appropriate.

10. Client-Provided Information

For custom assessments, the quality, accuracy, and completeness of the final deliverable may depend partly on information provided by the client.

Refunds may be denied where delays, limitations, errors, or unsatisfactory results are caused by:

Incomplete client instructions
Incorrect company names or website addresses
Wrong target information
Delayed client responses
Inaccurate documents or data
Failure to provide requested context
Changing the project scope after work begins
Providing unlawful, misleading, or unverifiable information

You are responsible for ensuring that all information submitted to us is accurate, lawful, complete, and timely.

11. Order Cancellation

Cancellation requests must be sent as soon as possible through the official contact channels listed on RiskIntelligenceService.com.

For standard digital products, cancellation may not be possible once the product has been delivered, accessed, or made available.

For custom services, cancellation eligibility depends on the stage of work. If significant research, planning, analysis, writing, design, or production work has already been completed, Risk Intelligence Service may retain part or all of the payment to cover work performed and costs incurred.

We reserve the right to cancel or refuse an order at our discretion, including where:

The request is outside our service scope
The request may violate law or ethical standards
The subject matter creates unacceptable legal or reputational risk
The customer provides inaccurate or misleading information
Payment is declined, reversed, disputed, or flagged as suspicious
Required information is not provided
The requested work cannot be completed responsibly

If we cancel an order before meaningful work has begun, we may issue a refund, less any unrecoverable costs or payment processing fees.

12. Chargebacks and Payment Disputes

If you believe there is an issue with your order, we encourage you to contact us first so we can review the matter professionally and attempt to resolve it.

Initiating a chargeback or payment dispute without first contacting us may delay resolution and may result in suspension of access to services, cancellation of pending work, restriction of future orders, or recovery of costs where permitted by law.

We reserve the right to provide payment processors, banks, or dispute-resolution providers with relevant evidence, including order confirmations, access logs, delivery records, communication history, product descriptions, and proof of service performance.

Fraudulent chargebacks, false claims, or abusive payment disputes may result in account termination and refusal of future service.

13. Duplicate Payments and Billing Errors

If you believe you were charged more than once for the same order or that a billing error occurred, please contact us promptly.

Where we verify a duplicate payment, accidental overcharge, or technical billing error, we will issue an appropriate refund or correction.

Refunds for verified duplicate payments are usually processed to the original payment method unless otherwise required by law or payment processor rules.

14. Promotional Offers, Discounts, and Special Pricing

Promotional offers, discounted reports, limited-time packages, coupon-based purchases, bundled products, and special pricing arrangements may be subject to additional terms.

Unless otherwise stated, discounts are not retroactive and cannot be applied after an order has already been placed.

Refunds for discounted, promotional, or bundled purchases may be calculated based on the actual amount paid, not the standard listed price.

Risk Intelligence Service reserves the right to modify, suspend, or withdraw promotional offers at any time.

15. Delivery Issues

If you do not receive a purchased report, download link, email, or access instructions, please contact us using the official contact details on RiskIntelligenceService.com.

Before requesting a refund, please check:

Your spam or junk folder
The email address used at checkout
Whether payment was successfully completed
Whether your inbox has blocked attachments or links
Whether your organization’s security filters blocked the message

If delivery failure is caused by an incorrect email address, corporate spam filter, firewall, third-party email service, or customer-side technical issue, we will make reasonable efforts to redeliver the product but may not be obligated to issue a refund.

16. No Physical Returns

Risk Intelligence Service primarily provides digital and professional services. Therefore, there are generally no physical products to return.

If we ever provide physical materials, printed reports, branded packages, or offline deliverables, return eligibility will be governed by the specific terms provided at the time of purchase.

Unless expressly stated otherwise, custom-printed, confidential, client-specific, or made-to-order physical materials may not be eligible for return.

17. Refund Processing

Approved refunds will normally be issued to the original payment method used for the purchase.

Processing times may vary depending on the payment provider, bank, card issuer, jurisdiction, and payment method.

Risk Intelligence Service is not responsible for delays caused by banks, payment gateways, card networks, currency conversion systems, or third-party processors.

Payment processing fees, currency conversion differences, bank charges, taxes, and third-party transaction costs may be deducted from the refund amount where permitted by law.

18. Taxes, Fees, and Currency Differences

Refund amounts may be affected by taxes, VAT, payment processor fees, international transaction fees, exchange rate fluctuations, or banking charges.

If your payment involved currency conversion, the refunded amount received by you may differ from the original amount paid due to exchange rate changes or fees imposed by banks or payment providers.

Risk Intelligence Service is not responsible for external fees, conversion differences, or charges imposed by third parties.

19. Abuse of Refund Policy

We reserve the right to deny refunds, restrict purchases, suspend accounts, or refuse future service where we identify abuse of this policy.

Examples of abuse may include:

Repeated refund requests after accessing digital products
False claims of non-delivery
Fraudulent payment disputes
Downloading reports and requesting refunds afterward
Misrepresenting technical issues
Using multiple accounts to exploit promotions
Commissioning work and cancelling after receiving substantial value
Attempting to obtain confidential intelligence without payment

Risk Intelligence Service may take reasonable steps to protect its intellectual property, business integrity, and service quality.

20. Consumer Rights and Legal Exceptions

Nothing in this policy is intended to limit any mandatory consumer rights that cannot be waived under applicable law.

Some jurisdictions provide specific rights relating to digital products, online purchases, cooling-off periods, defective services, or consumer refunds. Where such laws apply, this policy will be interpreted in accordance with those legal requirements.

If you are purchasing on behalf of a company, institution, fund, agency, or professional organization, different business-to-business rules may apply.

You are responsible for understanding the rights and obligations that apply in your jurisdiction.

21. How to Request a Refund or Revision

To request a refund, correction, or revision, please contact us through the official contact channels listed on RiskIntelligenceService.com.

Your request should include:

Your full name or company name
Order number or invoice reference
Date of purchase
Product or service purchased
Email address used for the order
Clear explanation of the issue
Any relevant screenshots, files, or technical details

Incomplete requests may delay review.

We may ask for additional information to verify the order, assess the issue, and determine whether a refund, correction, replacement, revision, or other remedy is appropriate.

22. Review of Refund Requests

Refund requests are reviewed on a case-by-case basis.

When reviewing a request, we may consider:

Whether the product was delivered
Whether the file was accessed or downloaded
Whether research or production work had begun
Whether the service was custom or standard
Whether the issue is technical, analytical, or preference-based
Whether the customer provided accurate information
Whether the product matched the published description
Whether the request is consistent with this policy
Whether applicable law requires a refund

Submitting a refund request does not guarantee approval.

23. Contact Information

For refund requests, delivery issues, technical concerns, billing questions, or revision inquiries, please contact us through the official contact channels provided on RiskIntelligenceService.com.

You may also contact us at:

Risk Intelligence Service
Website: https://RiskIntelligenceService.com
Email: info@RiskIntelligenceService.com
Business Address: United States
Phone:

24. Final Professional Notice

Risk Intelligence Service is committed to delivering high-quality, carefully structured, and professionally presented risk intelligence products.

Our refund and returns approach is designed to protect both the client and the integrity of specialized analytical work. We aim to handle every legitimate issue with professionalism, fairness, discretion, and respect.

By purchasing from Risk Intelligence Service, you acknowledge that you understand the digital, intellectual, analytical, and custom nature of our services, and you agree to the refund conditions described in this policy.

End of Refund and Returns Policy