Please read these terms and conditions carefully before making a credit card purchase from a merchant in Australia. By making a credit card purchase, you acknowledge and accept the refund policy of the merchant, which is governed by the following terms and conditions:

1. Refund Eligibility: 1.1. Refunds are subject to the refund policy of the specific merchant from whom you made the purchase. 1.2. The merchant’s refund policy determines the eligibility for refunds, including the types of products or services that are eligible for a refund and any specific conditions or requirements that must be met.
2. Refund Request: 2.1. To request a refund, you must follow the merchant’s refund procedure as specified on their website, in their terms of service, or on the purchase receipt. 2.2. It is your responsibility to provide accurate information and complete any necessary forms or documentation required by the merchant for the refund process.
3. Refund Processing: 3.1. The merchant will assess the eligibility of your refund request based on their refund policy and applicable consumer protection laws. 3.2. The merchant reserves the right to refuse a refund if you fail to meet the specified refund policy requirements. 3.3. The merchant will process the refund using the original payment method used for the purchase, unless agreed otherwise by both parties.
4. Refund Timeframe: 4.1. The timeframe for processing refunds may vary depending on the merchant’s internal processes and the payment provider’s policies. 4.2. The merchant will make reasonable efforts to process the refund within a reasonable timeframe, but they are not responsible for any delays caused by external factors.
5. Partial Refunds: 5.1. The merchant may offer partial refunds at their discretion if only part of the purchased product or service is eligible for a refund. 5.2. The merchant will provide information regarding any partial refund amounts and the reasons for the partial refund, if applicable.
6. Exchanges: 6.1. The merchant’s refund policy may include provisions for exchanges, replacements, or store credits as an alternative to refunds. Please refer to the specific merchant’s refund policy for details.
7. Merchant’s Liability: 7.1. The merchant is solely responsible for the refunds and any associated liabilities or obligations arising from credit card purchases made through their business. 7.2. The merchant’s refund policy does not supersede or limit any statutory rights or consumer guarantees provided under the Australian Consumer Law or other applicable laws.
8. Amendments: 8.1. The merchant may modify or update their refund policy at any time without prior notice. It is your responsibility to review the merchant’s refund policy before making a purchase.
9. Contact the Merchant: 9.1. If you have any questions, concerns, or requests regarding the merchant’s refund policy or a specific refund request, please contact the merchant directly using the contact information provided on their website or purchase receipt.

Please ensure that you understand and agree to the refund policy of the specific merchant before making a credit card purchase. By making a credit card purchase, you acknowledge that you have read, understood, and accepted the refund policy terms and conditions set by the merchant.