Legal

Refund Policy

Last updated: May 2026

1. Who this policy is with

LoDuko is a product of TopTech Innovations Hub Ltd. All purchases are made from TopTech Innovations Hub Ltd(“TopTech”, “we” or “us”), and this policy forms part of our Terms of Service.

2. What you are buying

LoDuko is sold on a pay-per-report basis. Each purchase covers the generation and delivery of a specific digital report for a specific project. Reports are produced on demand and delivered immediately.

3. When a refund is available

  • Report failed to generate — if a technical fault on our side prevents your report from being produced, we will re-run the generation or issue a full refund.
  • Duplicate charge — if you were charged more than once for the same report, we refund the duplicate in full.
  • Charged without delivery — if a payment succeeded but no report or access was granted, we refund in full.
  • Materially defective output — if a delivered report is unusable because of a fault in our service, contact us and we will re-generate it or refund at our discretion.

4. When a refund is not available

  • The report was generated and delivered as described, but you changed your mind or no longer need it.
  • You disagree with the conclusions of an AI-generated analysis. Reports are drafts for your review, not guarantees of an outcome.
  • The inputs you provided were inaccurate or incomplete, producing a report that does not reflect your business.
  • Abuse of the service, or requests made outside the window below.

5. Request window

Refund requests must be raised within 7 days of the payment date. Requests received after that period may not be considered.

6. How to request a refund

Email hello@loduko.com with the email address on your account, the report you purchased, the payment reference from your receipt or the Payments page, and a short description of the problem.

7. Processing time

We review requests within 2 business days. Approved refunds are returned to the original payment method through our payment processor. Depending on your bank or card issuer, funds typically appear within 5–10 business days. Refunds are issued in the currency you were charged in; exchange-rate differences applied by your bank are outside our control.

8. Chargebacks

Please contact us before raising a chargeback — most issues are resolved faster directly. We may suspend accounts with open chargebacks until the dispute is settled.

9. Contact

Questions about this policy? Contact TopTech Innovations Hub Ltd at hello@loduko.com.