SWW Technologies is committed to maintaining a secure, transparent, and customer-focused digital transaction environment. This policy defines the processes, responsibilities, and rights of users and merchants regarding refunds, fraud investigations, and complaint handling.
All suspected fraud — including unauthorized transactions or social engineering incidents — must be reported within 24 hours of the occurrence to be eligible for investigation.
When submitting a fraud report, users must provide:
Transaction ID or reference number
Date and time of the transaction
Account or wallet number used
Supporting evidence (e.g., screenshots, chat logs, call recordings)
A three-way investigation will be conducted between SWW Technologies, the merchant, and the relevant bank or wallet provider.
If fraud is confirmed, a full or partial refund will be issued, depending on recovered funds.
Reports made after the 24-hour window may be rejected due to reduced traceability or compromised data integrity.
All refunds require KYC (Know Your Customer) verification in compliance with legal and regulatory standards.
Refunds may be approved for:
Duplicate or incorrect charges caused by merchant or system errors
Non-delivery of a product or service beyond the committed timeframe
Delivery of incorrect, damaged, or defective products
Fraudulent or unauthorized transactions (reported within 24 hours)
Refund amounts may be adjusted for:
VAT (Value Added Tax)
FED (Federal Excise Duty)
Transaction or payment gateway fees charged by third parties
Refunds will be made using the original payment method (e.g., bank account, card, or wallet).
Refunds will only be issued to the original account holder.
Standard processing time: 48–72 working hours after final approval.
Complex cases may require up to 7 working days; users will be notified in advance.
If a delivery timeline is provided (e.g., 7–10 days), customers must wait for the period to expire before filing a complaint.
Product not delivered after the promised period
Received product differs significantly from the description
Product is damaged, expired, incomplete, or defective
Order receipt or invoice
Clear photos/videos of the received product (if applicable)
Communication records with the merchant (chat, email, SMS)
Complaints must be submitted within 72 hours after the delivery period has lapsed. Late submissions may not qualify for refunds.
Merchants may have their own refund or return policies. SWW Technologies respects these, provided they comply with consumer protection laws and our platform standards.
We will mediate between customers and merchants.
If a merchant fails to respond within 3 working days, we may resolve the case in favor of the customer upon verification.
Buyer’s remorse or change of mind
Price disputes after order confirmation
Customer’s failure to review merchant refund terms
Orders fulfilled accurately as described
SWW Technologies acts solely as a payment facilitator and is not the manufacturer or seller of products or services.
Our responsibility is limited to payment processing and transactional support.
We are not liable for indirect losses unless caused by proven gross negligence or platform error.
Email: support@swwtechnologies.com
WhatsApp: +44 77 0401 0093
Full Name & CNIC
Transaction Reference ID
Date of Transaction
Issue description
Relevant screenshots or documents
Complaints acknowledged within 24 hours
Standard resolution: within 7 working days
Complex or cross-border cases: longer resolution times with proactive updates
Effective Date: 09-10-2024
© Copyrights, 2025 SWW Technologies All Rights Reserved
