Refund Policy

# Security Policy If you believe you have found a security vulnerability in PHPUnit, please report it to us through coordinated disclosure. **Please do not report security vulnerabilities through public GitHub issues, discussions, or pull requests.** Instead, please email `sebastian@phpunit.de`. Please include as much of the information listed below as you can to help us better understand and resolve the issue: * The type of issue * Full paths of source file(s) related to the manifestation of the issue * The location of the affected source code (tag/branch/commit or direct URL) * Any special configuration required to reproduce the issue * Step-by-step instructions to reproduce the issue * Proof-of-concept or exploit code (if possible) * Impact of the issue, including how an attacker might exploit the issue This information will help us triage your report more quickly. ## Web Context PHPUnit is a framework for writing as well as a command-line tool for running tests. Writing and running tests is a development-time activity. There is no reason why PHPUnit should be installed on a webserver and/or in a production environment. **If you upload PHPUnit to a webserver then your deployment process is broken. On a more general note, if your `vendor` directory is publicly accessible on your webserver then your deployment process is also broken.** Please note that if you upload PHPUnit to a webserver "bad things" may happen. [You have been warned.](https://thephp.cc/articles/phpunit-a-security-risk?ref=phpunit) PHPUnit is developed with a focus on development environments and the command-line. No specific testing or hardening with regard to using PHPUnit in an HTTP or web context or with untrusted input data is performed. PHPUnit might also contain functionality that intentionally exposes internal application data for debugging purposes. If PHPUnit is used in a web application, the application developer is responsible for filtering inputs or escaping outputs as necessary and for verifying that the used functionality is safe for use within the intended context. Vulnerabilities specific to the use outside a development context will be fixed as applicable, provided that the fix does not have an averse effect on the primary use case for development purposes.

At NFC Pay, we strive to provide a seamless and satisfactory experience with our services. This Refund Policy outlines the circumstances under which refunds may be issued for transactions made through our platform. Please read this policy carefully to understand your rights regarding refunds.
1. Eligibility for Refunds
Refunds may be considered under the following circumstances:

Unauthorized Transactions: If you believe that an unauthorized transaction has occurred on your account, you must report it to us within [30 days] of the transaction date. We will investigate the claim, and if confirmed as unauthorized, a refund will be issued.
Technical Errors: If a transaction fails due to a technical error on our platform, resulting in an incorrect charge, you may be eligible for a refund. Please report the issue to our customer support team as soon as possible.
Service Errors: If a payment was made in error due to a system malfunction or incorrect processing by NFC Pay, you may request a refund. Proof of the error may be required to process your request.

2. Non-Refundable Situations
Refunds will generally not be issued in the following situations:

Completed Transactions: Refunds cannot be processed for completed transactions where the goods or services have already been received as intended.
Merchant Issues: NFC Pay is a payment facilitator and is not responsible for disputes related to the quality or delivery of goods and services provided by merchants. Refunds in these cases must be resolved directly with the merchant.
User Errors: Transactions resulting from user errors, such as incorrect recipient details or duplicate payments, are generally not eligible for refunds. Please double-check your details before confirming any transaction.

3. Refund Process
To request a refund, please follow these steps:

Contact Customer Support: Reach out to our customer support team via [email/phone/app support chat] with your transaction details, including the date, amount, and reason for the refund request.
Investigation: Our team will review your request and may ask for additional information or documentation to support your claim. This process typically takes [5-10 business days], depending on the complexity of the issue.
Refund Decision: After reviewing your request, we will notify you of our decision. If approved, the refund will be processed back to your original payment method. The timing of the refund will depend on your bank or payment provider and may take up to [10 business days] to reflect in your account.

4. Refund Exceptions
Certain transactions may be subject to specific terms and conditions, including non-refundable fees or charges. Please review the terms associated with each transaction carefully, as some fees may not be eligible for refunds.
5. Modifications to the Refund Policy
NFC Pay reserves the right to modify this Refund Policy at any time. Changes will be communicated through updates on our website and app, and the effective date will be updated accordingly. We encourage you to review this policy periodically to stay informed about our refund practices.
By using NFC Pay, you agree to this Refund Policy and understand the terms under which refunds may be issued. Our goal is to ensure a fair and transparent refund process, providing you with confidence and peace of mind when using our services.

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