Refund & Payment Resolution Policy

This policy applies to purchases of Purchased Coins and prepaid TOHREE subscription passes. Digital content and access are typically delivered immediately after a successful payment.

We don't operate a blanket “no refunds” rule. We'll look into requests such as:

• a duplicate charge for the same purchase;
• a successful payment that wasn't credited to your account;
• being charged the wrong amount;
• a technical failure that prevented delivery of what you paid for;
• a claim of an unauthorized payment, subject to verification; or
• a situation where applicable consumer-protection law requires a refund.

Simply changing your mind after reading or unlocking digital content may not automatically qualify for a refund — this depends on the circumstances and applicable law.

Reward Coins and other promotional or referral rewards have no cash redemption or refund value — they were never purchased with money, so there's nothing to refund.

If a payment is disputed or charged back through your bank or card provider, we may need to temporarily investigate your account while it's resolved, and — where lawful — reverse the specific benefit tied to the reversed transaction. Please contact us first at hello@tohree.com.ng so we can try to resolve the issue directly before a dispute is filed with your bank.

Email us at hello@tohree.com.ng with:

• the email address on your TOHREE account;
• the transaction reference (from your payment confirmation, if you have it);
• the approximate date of the transaction;
• the amount charged; and
• a short description of the issue.

Never send us your full card number, CVV, PIN, password, or a one-time passcode (OTP) — we will never ask for these, and you should treat any message asking for them as fraudulent.

We aim to respond promptly, but resolving a payment issue sometimes depends on our payment provider or your bank as well as TOHREE, so the exact timing can vary.

Nothing in this policy limits any consumer right you have under applicable Nigerian law that cannot lawfully be waived.

Questions about a payment? hello@tohree.com.ng.