Refund Policy

1. Scope

This Refund Policy applies to all services ordered from IE Nikita Shishkov (NZIO), including services paid online by ArCa, Visa or Mastercard cards. It is an integral part of the Terms of Service.

2. Cancellation Before Work Starts

If you cancel an order before work has started, the prepayment is refunded in full.

3. Cancellation of Work in Progress

If you cancel an engagement after work has started, you pay only for the work actually performed by the moment of cancellation (based on agreed time reports or completed milestones). The unused remainder of any prepayment is refunded proportionally.

4. Quality Claims

If the delivered result does not conform to the agreed scope, notify us within 5 (five) business days after handover. We will correct the defects free of charge within a reasonable period. If the defects cannot be corrected, you are entitled to a proportional — or, where the result is unusable, a full — refund for the affected scope.

5. How Refunds Are Made

• Refunds for card payments are made to the same card that was used for the payment. In accordance with payment system rules, card payments are never refunded in cash.
• Refunds for bank transfers are made to the account the payment came from.
• We initiate the refund within 3 (three) banking days after the refund request is approved. The time for the funds to be credited to your card depends on the issuing bank and payment system and is typically 3–10 banking days.

6. How to Request a Refund

Send a request to hello@nzio.net from the email address used for the order, stating the order details, the payment date and amount, and the reason for the refund. We respond to refund requests within 3 (three) business days.

7. Consumer Rights

Nothing in this Policy limits the rights granted to consumers by the legislation of the Republic of Armenia.