Refund & Cancellation Policy

1. Introduction

This Refund & Cancellation Policy applies to payment-related matters connected with services offered by AB Hassan Associates & Builders through our website at https://abhassan.com/ and through direct business communication.

The exact refund or cancellation rights may depend on:

• The type of service
• The nature of the transaction
• The payment made
• The stage at which cancellation occurs
• The applicable quotation, invoice, booking form or receipt
• Any service agreement, construction agreement or property transaction agreement
• Other written terms accepted by the parties

This website does not process every type of payment. Many property-related payments may occur directly between parties or through separate arrangements.

2. Website Inquiries vs Paid Services

Submitting a contact form, sending a WhatsApp message, calling the company, sending an email or making a general property inquiry does not automatically create a paid service or a refundable transaction.

Viewing property listings or browsing the website also does not create a payment obligation.

A payment obligation generally arises only where the customer has agreed to a specific paid service, booking, reservation, deposit, consultancy, marketing service, construction service or other commercial arrangement.

3. Scope of This Policy

This policy may apply to payments related to services such as:

• Property consultancy
• Property marketing
• Property listing services
• Property advertising or promotional services
• Property management
• Construction-related services
• Project-related services
• Consultancy or professional services
• Booking or reservation payments where offered
• Deposits or advances where applicable
• Other paid services specifically agreed with the customer

Not all of these services are necessarily purchased online.

4. Property Purchases and Sales

Real estate purchases and sales are generally governed by separate transaction documents and agreements.

Please note that:

• Property prices may vary
• Availability may change
• Seller or buyer decisions may affect a transaction
• Third-party approvals may affect transactions
• Booking amounts or deposits may have separate conditions
• Cancellation consequences may depend on the signed agreement
• Refunds of property-related payments may not be controlled solely by this website policy

Where a payment is made directly to a seller, developer, housing society, builder, owner or other third party, the refund terms may be governed by that party's agreement.

AB Hassan Associates & Builders does not promise a refund for money that was not received or controlled by the company.

5. Property Booking, Reservation and Token Payments

If a customer makes a booking payment, token payment, reservation payment, advance, earnest money or deposit, the applicable refund or cancellation terms may depend on the written transaction agreement.

These payments are not automatically refundable.

Cancellation may involve:

• Administrative costs
• Transaction-specific deductions
• Third-party charges
• Seller or developer terms
• Booking conditions
• Contractual obligations

Any deduction is only applied where legally and contractually permitted.

6. Property Listing and Marketing Services

If a property owner or client pays for property listing, property promotion, advertising, marketing, featured placement, photography, promotional content, lead-generation services or other agreed marketing services, the cancellation and refund terms depend on the service agreement, quotation, invoice or written arrangement.

For services that have already been performed, delivered, published, advertised or substantially started, a full refund may not necessarily be available.

We do not automatically state "no refunds" for these services — actual eligibility depends on the applicable agreement and circumstances.

7. Consultancy Services

Consultancy services may involve time, professional work, research, property analysis, communication, meetings, documentation or other work performed for the client.

If a paid consultancy service has already been delivered or substantially performed, the amount may not be fully refundable. If cancellation occurs before substantial work begins, eligibility for a refund may depend on the applicable agreement.

We do not apply a fixed cancellation window unless it has been agreed in writing.

8. Construction Services

Construction projects may involve:

• Material procurement
• Labor
• Architectural or technical preparation
• Project management
• Site work
• Contractor commitments
• Third-party costs
• Custom work
• Project scheduling

Cancellation and refund terms for construction services should normally be governed by the relevant construction agreement, quotation, work order, invoice or contract.

If work or procurement has already started, a full refund may not be available. Any refund is calculated according to the applicable contractual terms and actual circumstances, not an arbitrary percentage.

9. Property Management Services

If the company provides property management services, cancellation terms may depend on:

• Management agreement
• Service period
• Work already performed
• Outstanding obligations
• Third-party costs
• Agreed notice period

We do not apply a specific notice period unless the company has established one in writing.

10. When a Refund May Be Considered

Subject to the applicable agreement, a refund may be considered in situations such as:

• A payment was received in error
• A duplicate payment was made
• Payment was made for a service the company did not provide
• The company cancels a paid service before substantial performance
• A written agreement specifically provides for a refund
• An approved cancellation qualifies under the applicable service terms
• Another legally or contractually recognized refund situation exists

A refund is not guaranteed merely because one of these circumstances appears to exist. The company may review the circumstances and applicable documentation before approving a refund.

11. When a Refund May Not Be Available

Subject to applicable law and the terms of the relevant agreement, a refund may not be available where:

• The service has already been completed
• The service has substantially started
• Marketing or advertising has already been delivered
• A property listing has already been published
• Third-party charges have already been incurred
• Customized work has already been performed
• Construction work or procurement has already begun
• The customer cancels after agreeing to non-refundable terms
• The customer fails to provide required information or documents
• Cancellation results from circumstances covered by the customer's contractual obligations
• Payment was made directly to a third party rather than AB Hassan Associates & Builders
• The refund is prohibited or restricted under the applicable agreement

These examples are subject to applicable law and to the specific terms of the relevant agreement.

12. Cancellation Requests

If you wish to request cancellation, please follow these steps:

1. Contact AB Hassan Associates & Builders.
2. Provide your name.
3. Provide the relevant service or property information.
4. Provide the payment reference, receipt, invoice or other transaction information where applicable.
5. Explain the reason for cancellation.
6. Submit the request through an appropriate communication channel.

Contact channels:

• Email: info@abhassan.com
• Phone / WhatsApp: +92 321 3333 710

13. Refund Request Review

Refund requests may be reviewed based on:

• Payment records
• Invoices and receipts
• Service agreements
• Booking documents
• Cancellation terms
• Work already completed
• Third-party costs
• Transaction status
• Communication records
• Applicable law

The company may request reasonable supporting information necessary to identify the transaction.

14. Refund Processing

Approved refunds will generally be processed within a reasonable period after the refund decision has been confirmed, subject to payment-provider, banking or other processing requirements.

We do not currently state a fixed processing timeframe in this policy. If the company establishes a specific refund period in the future, it may be added to this policy.

15. Refund Method

Where possible, refunds may generally be made through the original payment method or another reasonable method agreed with the customer.

The refund method may depend on:

• Payment provider
• Bank
• Transaction type
• Payment method
• Technical availability
• Applicable agreement

We do not promise that every payment can be returned through the original method.

16. Third-Party Payments

Some property-related payments may be made directly to third parties, such as:

• Property owners
• Developers
• Housing societies
• Builders
• Contractors
• Landlords
• Other service providers

AB Hassan Associates & Builders does not represent itself as the refund authority for money it did not receive or control.

If a customer pays a third party directly, the customer's refund request may need to be directed to that third party according to its applicable agreement.

17. Banking and Processing Delays

Approved refunds may sometimes take additional time because of:

• Banks
• Payment processors
• Transaction verification
• Weekends or public holidays
• Technical processing
• Incorrect account information

The company is not responsible for delays entirely outside its reasonable control, subject to applicable law.

18. Duplicate Payments

If a customer accidentally makes the same payment more than once, the company may review the transaction records and, where appropriate, process the duplicate amount according to its payment records and applicable terms.

The customer may be asked for reasonable transaction details to identify the duplicate payment.

19. Incorrect Payment Amount

If a customer believes they paid an incorrect amount, they should contact the company promptly with:

• Transaction details
• Invoice
• Receipt
• Payment reference
• Relevant service information

The company will review the issue. Automatic refunds are not promised until the transaction is verified.

20. Fraudulent or Unauthorized Transactions

If a customer believes that a payment was unauthorized or fraudulent, they should:

• Contact the company promptly
• Contact their bank or payment provider
• Follow the relevant payment provider's dispute process
• Provide appropriate transaction information

The company may investigate suspected fraudulent transactions. Customers should not send full card numbers, PINs, passwords, OTPs or security codes through any channel.

21. Cancellation by AB Hassan Associates & Builders

The company may, in appropriate circumstances, cancel or discontinue a service because of:

• Operational issues
• Inability to provide the agreed service
• Legal or regulatory requirements
• Customer-provided information being insufficient
• Circumstances beyond reasonable control
• Safety or security concerns
• Breach of applicable terms
• Other legitimate business reasons

Where a company-initiated cancellation creates a contractual refund obligation, the refund will be handled according to the applicable agreement and law. We do not promise automatic full refunds in every situation.

22. Force Majeure

Delays or cancellations may sometimes result from circumstances beyond reasonable control, such as:

• Natural disasters
• Severe weather
• Government restrictions
• Civil disturbances
• Major infrastructure failures
• Widespread network or banking outages
• Other events outside reasonable control

The consequences of such events may depend on the relevant contract and applicable law. Force majeure is not used as a blanket excuse to avoid legitimate refund obligations.

23. Property Transaction Cancellations

Cancellation of a property purchase, sale, booking, lease, rental, construction contract or development-related transaction may have separate contractual consequences.

The relevant sale agreement, booking form, allotment documentation, contract or other transaction document should be reviewed before determining whether money is refundable.

24. Service Cancellation Before Work Starts

If a customer cancels before work begins, the company may review the request based on the applicable agreement.

If no work, third-party commitment or non-refundable cost has been incurred, a refund may be considered where the agreement allows it. Automatic refunds are not promised.

25. Service Cancellation After Work Has Started

If work has already started, the company may have incurred:

• Labor costs
• Professional time
• Administrative costs
• Marketing expenses
• Third-party expenses
• Materials costs
• Other project costs

Therefore, any refund may be reduced or unavailable depending on the agreement and applicable law.

26. Non-Refundable Amounts

Certain amounts may be non-refundable where this has been clearly stated in the applicable quotation, invoice, booking terms, service agreement or other written arrangement.

We do not list specific non-refundable charges here unless they have been officially confirmed for the relevant service.

27. Change-of-Mind Cancellations

Simply changing one's mind does not automatically create a refund right where the customer has entered into a binding agreement or where work has already been performed.

This remains subject to applicable law, the specific contract, consumer rights where applicable and the nature of the service. Nothing in this policy attempts to contract out of mandatory legal rights.

28. Property Availability and Refunds

Property availability may change due to:

• Sale to another party
• Withdrawal by owner
• Price changes
• Developer decisions
• Changes in inventory
• Documentation issues
• Market conditions

If a customer has already paid an amount in connection with a property, the refund consequences depend on the relevant agreement and payment recipient. A refund is not guaranteed merely because a property becomes unavailable.

29. Property Information Errors

An incorrect property listing or changed property information does not automatically establish a refund obligation.

Where a customer has made a payment based on a property listing, the applicable transaction documents and agreement should determine the consequences. This section should be read together with our Property Listing Disclaimer.

30. Free Website Information

The following activities do not involve a paid service unless explicitly stated otherwise:

• Browsing the website
• Viewing property listings
• Reading blog content
• Contacting the company for general information
• Using publicly available website information

These activities do not create a refund transaction.

31. Taxes, Bank Charges and Third-Party Fees

Refund calculations may need to account for legitimate:

• Bank charges
• Payment processor charges
• Government charges
• Taxes
• Third-party costs

Such deductions are only applied where permitted by the applicable agreement and law. We do not claim that every transaction fee is automatically non-refundable.

32. Customer Responsibility

Customers are responsible for:

• Reviewing service terms before payment
• Reviewing booking conditions
• Providing accurate information
• Retaining receipts and invoices
• Reviewing property transaction documents
• Understanding cancellation terms
• Confirming payment details before sending funds

Customers should not rely solely on verbal statements when a written agreement is available.

33. Refund Disputes

If you have a concern about a refund or cancellation, please contact AB Hassan Associates & Builders first so the company can review the matter.

Please provide:

• Transaction information
• Relevant documents
• Payment records
• An explanation of the dispute

If the issue cannot be resolved through communication, the parties may rely on the applicable agreement and relevant law.

34. Governing Law

Applicable refund and cancellation matters are subject to the laws applicable to the relevant transaction and the parties' contractual arrangements.

If a specific governing law or jurisdiction is officially confirmed by the company for a particular type of transaction, it may be added to this policy.

35. Changes to This Policy

AB Hassan Associates & Builders may update this policy when:

• Services change
• Payment methods change
• Refund procedures change
• Online payment functionality is introduced
• Business practices change
• Legal requirements change

The "Last Updated" date will be changed after material revisions. For transactions already governed by a signed agreement, changes to this website policy do not automatically override the existing agreement.

36. Related Legal Policies

This Refund & Cancellation Policy should be read together with:

The relevant service agreement, booking document, invoice or transaction contract may contain additional or more specific terms.

37. Contact Information

Please contact AB Hassan Associates & Builders for questions about cancellations or refund requests.

38. Recommended Refund Request Format

You may use the following format when submitting a refund or cancellation request.

39. Final Statement

AB Hassan Associates & Builders aims to keep payment-related matters clear and transparent. Where a specific refund or cancellation term applies to your transaction, it will normally be described in the applicable quotation, invoice, booking form, receipt or written agreement.

If you are unsure whether a refund or cancellation applies to your situation, please contact us using the details above so we can review your case.