Refund & Return Policy

Owen Global Multibiz Services wants customers to receive the goods they paid for. If something is wrong with an order, contact us quickly so we can put it right.

1. How to request a return or refund

Email owenglobalmultibiz@gmail.com with:

• Your name and the email or phone used on the order
• Invoice number or Paystack payment reference
• Date of purchase and a short description of the issue
• Photographs of damaged, short, or incorrect goods where relevant

We aim to acknowledge requests within two business days.

2. Damaged, short, or incorrect goods

Inspect goods on delivery or collection. Tell us about visible damage, shortage, or wrong items within 48 hours of receipt. If we confirm the problem, we will, at our choice and as the situation requires:

• Replace the affected items, or
• Refund the price of the affected items, or
• Offer a credit against a future order

3. Change of mind

Unused, unopened, non-perishable goods in original packaging may be returned within 7 days of receipt if we agree in writing before you send them back. You are responsible for the cost of returning the goods unless we sent the wrong item. Perishable goods, opened food, opened personal-care items, and goods that cannot be resold for hygiene reasons cannot be returned for change of mind.

4. Agricultural and perishable goods

Fresh produce and other perishable agricultural goods are sold as described at the time of quotation. Once accepted and delivered in sound condition, they are not returnable except where they were already damaged, unfit, or not as described on arrival. Report those issues immediately, with photographs where possible.

5. Wholesale lots

Wholesale orders are checked against the agreed packing list. Claims for shortage must be made within 48 hours. Opened cartons that have been partly sold on by a reseller are not returnable except for confirmed manufacturing defects or items we supplied in error.

6. How refunds are paid

Refunds for payments made through Paystack are returned to the original payment method where the payment scheme allows it. Other payments are refunded to the bank account you used to pay us. We process approved refunds within 10 business days of confirming the return or the claim. Banks and card schemes may take additional time to show the credit.

7. Chargebacks

If you paid by card, please contact us before raising a chargeback. We will investigate and, where the claim is valid, refund you. Unjustified chargebacks may be contested with Paystack and the card scheme using our delivery and invoice records.

8. Contact

Refund and return requests: owenglobalmultibiz@gmail.com.