Govine Digital Services Limited
Effective Date: Jun 2, 2025
Last Updated: Jun 2, 2025
1. Purpose
This Refund and Compliance Policy outlines the conditions under which refunds may or may not be granted and explains how we maintain regulatory compliance, including KYC (Know Your Customer), AML (Anti-Money Laundering), and data protection obligations.
2. Non-Refundable Services
Due to the irreversible nature of digital financial transactions, all services are strictly non-refundable once initiated or completed. This includes, but is not limited to:
- Currency conversions (JMD ↔ USDT or e-wallet balances)
- Deposits or withdrawals processed through Deriv, Airtm, OKX, or Binance
- Manual P2P transactions or peer-matching services
- Subscription or consultation services
Exceptions to Non-Refundable Policy
Refunds may only be considered at our sole discretion if:
- You were charged more than once for the same service request
- A confirmed service was not delivered or processed within the agreed timeframe (excluding delays caused by partner platforms, compliance holds, or force majeure)
All approved refunds will be processed to your original payment method within 3–5 business days.
3. Client Responsibilities
By engaging with our services, you agree to:
- Provide accurate and truthful KYC details and documents
- Ensure all submitted wallet addresses, payment details, and transaction requests are correct
- Understand and accept that prices may fluctuate based on current market conditions
- Avoid fraudulent activities, money laundering attempts, or suspicious requests
4. KYC & AML Compliance
We are committed to maintaining strict compliance with Jamaican AML and KYC regulations.
You must complete KYC verification appropriate to your transaction tier:
- Tier 1: Basic ID verification (for amounts under 100 USDT)
- Tier 2: ID + selfie + address proof + TRN (for 100–499 USDT)
- Tier 3: All Tier 2 + income proof + video call (for 500+ USDT)
We reserve the right to hold, delay, or reject any transaction that raises compliance concerns or requires additional checks.
5. Transaction Holds or Freezes
We may freeze or delay your transaction if:
- Suspicious activity or inconsistencies are detected
- External platforms (e.g., Deriv, Binance) place holds or delays
- Regulatory authorities request investigation or documentation
You will be notified promptly if a hold or investigation is initiated.
6. Dispute Resolution
If you have concerns or believe an error occurred, you must notify us within 7 days of the transaction by:
Email: info@govidigital.com
Phone: 876-327-9233
We will investigate and respond within 5–10 business days.
7. Legal Compliance
Govine Digital Services Limited operates under the laws of Jamaica and adheres to all applicable financial regulations, including:
- Anti-Money Laundering (AML) laws
- Counter-Terrorism Financing (CTF) regulations
- Data Protection laws (for safeguarding personal data)
We cooperate fully with law enforcement or regulatory authorities when required.
Legal Footnote
Govine Digital Services Limited provides non-refundable digital financial services. By using our services, you accept full responsibility for the accuracy of your requests and agree to comply with Jamaican AML, KYC, and regulatory obligations. We reserve the right to deny or terminate services if misuse, fraud, or non-compliance is detected.