Refund Policy

At Raffio, we aim to provide a fair, transparent, and compliant experience for all users participating in skill-based prize competitions.

This Refund Policy explains when refunds may and may not be issued.

1. General Policy

All competition entry purchases are considered final once payment has been successfully processed and the user has completed the required skill-based entry process.

Due to the nature of digital competition entries, refunds are generally not provided for:

• Change of mind
• Incorrect selections made by the user
• Failure to win a competition
• Unused entries
• Duplicate purchases made intentionally

2. Circumstances Where Refunds May Be Issued

a) Duplicate Transactions

Where a user has accidentally been charged multiple times for the same intended purchase.

b) Technical Errors

Where a verified platform error resulted in:

• failed entry allocation
• payment processing issues
• system malfunction
• incomplete transaction processing

c) Competition Cancellation

If Raffio cancels a competition for operational, legal, compliance, fraud-prevention, or commercial reasons, affected users may receive:

• a full refund
• site credit
• transfer into an equivalent competition

at Raffio's discretion.

d) Fraud or Unauthorised Transactions

If a payment is determined to be fraudulent or unauthorised following investigation.

3. Non-Refundable Circumstances

Refunds will not be issued where:

• the user answered the skill-based question incorrectly
• the competition has already concluded
• the winner has already been selected
• the user breached Raffio's Terms & Conditions
• the account is suspended for fraud, abuse, or policy violations

4. Chargebacks

Users are encouraged to contact Raffio directly before initiating a chargeback with their payment provider.

Fraudulent or abusive chargebacks may result in:

• account suspension
• permanent platform bans
• reporting to payment processors and fraud-prevention databases
• legal recovery action where appropriate

5. Refund Processing Time

Approved refunds are typically processed within:

• 3–10 business days depending on the payment method and banking provider

Refunds are returned to the original payment method only.

6. Compliance & Verification

Raffio reserves the right to:

• request identity verification
• investigate suspicious refund requests
• delay refunds pending fraud or compliance checks
• refuse refunds where abuse is suspected

7. Contact

Email: support@raffio.co.uk

Website: www.raffio.co.uk