Refund Policy

Introduction

This Refund Policy outlines the terms and conditions for refunds related to WonPilot credit card products, annual fees, and related services. We aim to ensure transparency regarding when and how refunds are processed. Please read this policy carefully to understand your rights and options regarding refunds.

Annual Fee Refunds

New Card Accounts

If you are dissatisfied with your new WonPilot credit card, you may be eligible for a refund of the annual fee under the following conditions:

• You request to close your account within 30 days of the annual fee being billed
• You have not utilized any of the card's significant benefits (such as welcome bonuses, travel credits, or lounge access)
• The account is in good standing at the time of cancellation

In such cases, the annual fee will be refunded in full to your account.

Renewal Annual Fees

For existing cardholders, our policy on renewal annual fees is as follows:

• If you cancel your card within 30 days after the renewal fee is billed, you may receive a full refund of the annual fee
• If you cancel between 31 and 60 days after the renewal fee is billed, you may receive a pro-rated refund based on the remaining months
• No refund will be issued for cancellations more than 60 days after the renewal fee is billed

Card Upgrade or Downgrade Adjustments

When you upgrade or downgrade your WonPilot credit card to a different card product:

• You will receive a pro-rated refund of the annual fee for your old card based on the unused portion of the year
• You will be charged the annual fee for the new card product
• The adjustment will appear on your statement within 1-2 billing cycles

Service Fee Refunds

Various services associated with your WonPilot credit card may incur fees. Our refund policy for these services is as follows:

Foreign Transaction Fees

Foreign transaction fees are non-refundable except in cases of:

• Merchant errors where a domestic transaction was incorrectly processed as international
• Duplicate foreign transaction fees charged for the same transaction
• Technical errors in our processing systems

Late Payment Fees

Late payment fees may be refunded in the following circumstances:

• If the payment was made on time but not properly credited to your account
• If it's your first late payment in the past 12 months (one-time courtesy waiver)
• If the late payment resulted from circumstances beyond your control (such as verified postal delays or website outages)

Cash Advance Fees

Cash advance fees are generally non-refundable, as they are assessed at the time the cash advance is processed. However, exceptions may be considered in cases of unauthorized cash advances or technical errors.

Premium Services and Add-on Refunds

Concierge Service Add-ons

For premium concierge services purchased as add-ons to your credit card:

• Cancellation within 14 days of purchase with no service utilization: Full refund
• Cancellation within 14-30 days of purchase: 50% refund
• Cancellation after 30 days of purchase: No refund
• If the service does not meet the described standards, case-by-case evaluation for partial or full refund

Travel Insurance and Protection Services

Optional travel insurance or enhanced protection services purchased separately:

• Cancellation before the coverage period begins: Full refund minus a ₩10,000 administrative fee
• Cancellation after coverage period begins: Pro-rated refund based on unused coverage period, minus administrative fee
• No refund for any protection services after a claim has been filed

Disputed Transactions and Billing Errors

For transaction disputes and billing errors:

• Unauthorized transactions will be refunded according to our fraud protection policy
• Billing errors, once verified, will be refunded in full including any associated fees or charges
• Disputes must be submitted within 60 days of the statement date on which the transaction appeared

Please note that while a dispute is under investigation:

• A temporary credit may be issued to your account
• If the dispute is resolved in your favor, the temporary credit becomes permanent
• If the dispute is resolved in favor of the merchant, the temporary credit will be reversed

Rewards Program Purchases Refunds

For purchases made through our rewards portal or using points:

Merchandise

• Unwanted items in original condition: Return within 30 days for full points refund
• Defective items: Return within 90 days for full points refund or replacement
• Points will be credited back to your account within 7-10 business days after the return is processed

Travel Bookings

• Flight cancellations: Subject to airline's cancellation policy
• Hotel cancellations: Based on the hotel's cancellation policy as displayed at booking
• Travel packages: May have unique cancellation terms specified at the time of booking

Refunds for travel bookings made with points typically take 10-14 business days to process and appear in your rewards account.

How to Request a Refund

To request a refund for any eligible fee or charge:

Contact Methods

• Phone: Call customer service at +442795175982
• Email: Send your request to refunds@wonpilot.com
• Online: Submit a refund request through your online account portal
• Mail: Send written requests to:
  WonPilot Refund Department
  Studio 79 Ward Trafficway
  Lake Jack B37 7RA

Required Information

When requesting a refund, please include:

• Your full name and account number
• Date and amount of the fee or charge
• Reason for requesting a refund
• Any supporting documentation (receipts, correspondence, etc.)

Refund Processing Time

Once approved, refunds are processed as follows:

• Annual fee refunds: 3-5 business days
• Service fee refunds: 5-7 business days
• Transaction disputes: Up to 30 days for investigation plus 3-5 days for processing
• Rewards program refunds: 7-14 business days

Refunds will appear on your statement or rewards account depending on the nature of the refund. The time it takes for a refund to appear in your account may also depend on your billing cycle.

Exceptions and Special Circumstances

WonPilot reserves the right to evaluate refund requests on a case-by-case basis in situations not explicitly covered by this policy. We may consider factors such as customer relationship, account history, and extenuating circumstances.

In cases of financial hardship or other special circumstances, please contact our customer service team to discuss potential options.

Changes to This Policy

We reserve the right to modify this Refund Policy at any time. Any changes will be posted on this page with an updated "Last Updated" date. Continued use of our services after changes to the Refund Policy constitutes acceptance of the updated policy.

Contact Us

If you have any questions about this Refund Policy, please contact us at:

• Email: info@wonpilot.com
• Phone: +442795175982
• Address: Studio 79 Ward Trafficway, Lake Jack B37 7RA