Refund & Cancellation Policy
Refunds for client services and Grace Connect subscriptions, including full refunds before work begins.
Effective date: October 14, 2026
Cancel before work starts: a full refund
If you cancel a paid client request before we commence work, we will refund 100% of the amount paid, including any deposit. No cancellation, administration, or payment-processing fee will be deducted.
1. Merchant and scope
Grace Connect is owned and operated by I Create Solutions & Services (branded as iCreate Solutions & Services), owned by Shamar Baker, based in Bull Bay, St Andrew, Jamaica. Grace Connect is a product of this business.
This policy applies to payments made to us for Grace Connect subscriptions and separately agreed setup, implementation, custom development, or other client services supplied by us in connection with Grace Connect. A quote or subscription request alone does not charge you. The service, price, transaction currency, and delivery or activation arrangements will be disclosed before payment.
2. Cancellation before work commences
You may cancel by emailing [email protected]. Eligibility is assessed as of the time we receive your cancellation request, not when we respond to it. Where no work has commenced, all payments for that request are fully refundable, including a deposit described as non-refundable in a standard quote.
Work commences when we actually begin the agreed, client-specific service, such as design, development, configuration, implementation, or an agreed paid discovery task. Sending a quote, taking a payment, scheduling work, or an initial sales conversation does not by itself count as commencement. We will confirm commencement in writing and retain a dated record of the work undertaken. A refund cannot be refused merely because a deposit was paid.
3. Cancellation after work commences
For custom client projects, the standard deposit is 50% of the agreed project price unless the written quote specifies a different payment schedule. Once the agreed work has commenced, that deposit is generally non-refundable because it covers project commitment and work undertaken. Additional payments for work already completed or delivered are generally non-refundable. Any remaining advance payment for work that will not be performed will be refunded.
We will provide a written breakdown of the work completed, the amount retained, and any refund due. We will stop further work on receipt of a cancellation request and will not deduct charges for work performed after that request. These terms do not allow us to retain payment for a service we fail to supply; section 5 applies where we cannot fulfil the agreed service.
4. Grace Connect subscriptions
If you cancel a paid subscription before its paid access has been activated, we will refund the payment in full. After paid access is activated and available, cancellation normally takes effect at the end of the paid period. We do not ordinarily provide a refund for a change of mind or unused days in an activated period, except where section 5 or applicable law requires a refund.
Under the current workflow, subscriptions do not renew automatically. You can request cancellation through Manage Subscription, the in-app cancellation option available to authorised users, or our email address below. Account deletion alone is not a refund request. Any future recurring billing will require clearly disclosed terms and your authorisation before enrolment.
5. Non-delivery, duplicate charges, and billing errors
If we cannot provide the agreed service or activate paid access, you may choose a full refund of the payment for that undelivered service rather than accept a rescheduled delivery. If only part of an agreed service has been supplied, we will refund the undelivered portion; where that part makes the entire agreed service unusable, we will provide a full refund. Any replacement or revised delivery date requires your agreement.
Confirmed duplicate payments, overcharges, and payments taken in error will be refunded for the duplicate or incorrect amount. If paid access is materially unavailable, contact us so we can investigate and arrange an appropriate refund for the affected period or undelivered service. A bank authorisation that never settled may instead be released by your bank.
6. How to request a refund
Email [email protected] with the subject “Grace Connect refund request”. Include:
- Your name and the email used for the purchase;
- Your church or organisation name, if applicable;
- The invoice, order, or transaction reference, payment date, amount, and currency;
- The service purchased and reason for cancellation or refund.
Please report billing errors promptly, preferably within 30 calendar days of noticing them. This is a reporting recommendation, not a deadline that removes your rights for non-delivery, uncommenced work, or an incorrect charge. Never email a full card number, security code, bank password, or other payment credentials.
7. Response and processing times
We will acknowledge your request within 2 business days and provide a written decision within 5 business days after receiving the information needed to verify it. If further investigation is necessary, we will explain why and give you an updated response date. Business days exclude weekends and Jamaican public holidays.
Approved refunds will be submitted to the payment provider within 10 business days of approval. Your bank or card issuer may take an additional 5–15 business days to post the refund; its actual posting time may vary. We will send a refund confirmation and reference when available, and help trace a refund that has not appeared.
8. Original payment method and currency
Card refunds are returned through the payment provider to the same card used for the original payment, in the original transaction currency. We do not replace a card refund with cash, send it to another card or person, or require you to accept store credit. If the original card is closed or replaced, we will follow the payment provider’s and card issuer’s instructions for returning the funds to the original payer.
We do not deduct a processing fee from a full refund under this policy. Any exchange-rate difference or conversion charge imposed independently by your bank is outside our control. Refunds cannot exceed the amount originally paid for the affected transaction.
9. Church donations and external giving
Tithes, offerings, and donations paid directly to a church through its own external giving link are separate from payments to I Create Solutions & Services. The receiving church and its payment provider handle those refunds under the Giving & Donation Policy. For a charge collected by us for our services, contact us directly; we remain responsible for handling the refund request even where a gateway processes the payment.
10. Your rights and policy updates
Nothing in this policy limits any refund, consumer-protection, or card-dispute rights that cannot be waived under applicable law or card-network rules. You may contact us for assistance without giving up your right to contact your bank. This policy takes precedence over conflicting standard refund wording for purchases made on or after its effective date. Updates will apply prospectively and will not reduce rights attached to an earlier purchase.
11. Contact us
Grace Connect / I Create Solutions & Services
Owner: Shamar Baker
Location: Bull Bay, St Andrew, Jamaica
Email: [email protected]
Telephone / WhatsApp: +1 876-585-7469
Website: icreatesolutionsandservices.com