Refund Policy

1. Scope

This policy applies to payments made directly to TERWA through an authorised payment channel, including membership-related payments, approved contributions or other Association collections where a refund may lawfully arise.

2. Duplicate or Erroneous Payment

If the same payment is charged more than once, or an incorrect amount is demonstrably collected because of a processing error, the member may raise a refund request through the CRM with transaction evidence.

3. Membership and Administrative Payments

Where a membership or administrative fee has already been processed, recorded or applied toward Association administration, it will ordinarily not be refundable unless the governing rules, a competent TERWA resolution or applicable law requires otherwise.

4. Voluntary Contributions and Legal/Welfare Funds

Voluntary contributions or donations that have already been committed, allocated or spent for the stated Association purpose are ordinarily non-refundable. Any exceptional refund remains subject to TERWA's governing documents, financial controls and applicable law.

5. Refund Request Procedure

A request should identify the member, transaction reference, date, amount, payment mode, reason and supporting evidence. TERWA may verify the payment with its records or payment service provider before making a decision.

6. Processing

Approved refunds will normally be returned through the original payment method where practicable. Processing time can depend on banks or payment service providers and is therefore not fully controlled by TERWA.

7. Statutory Rights

Nothing in this policy is intended to exclude any refund or remedy that must be provided under applicable law or a binding order of a competent authority.