Refund & Cancellation Policy

Last Updated: May 2026

Important Notice

This policy outlines the refund and cancellation procedures for Ficus Aurea investment products and services. Please read carefully before making any investment commitments.

1. Investment Commitments

Once an investment commitment has been executed through a formal investment agreement and funds have been transferred to Ficus Aurea, the investment is considered binding. Investment commitments are non-refundable except under the following circumstances:

  • Written cancellation request submitted within 7 calendar days of initial investment commitment
  • Documented misrepresentation or fraud by Ficus Aurea
  • Project cancellation initiated by Ficus Aurea
  • Regulatory intervention or legal prohibition

2. 7-Day Cooling-Off Period

Investors have a 7-calendar-day cooling-off period from the date of investment commitment. During this period, you may cancel your investment and receive a full refund of invested capital, minus any applicable processing fees (typically $250-$500).

How to Request Cancellation:
  • Submit written request to Info@ficusaurea.com
  • Include investment agreement reference number
  • Specify refund method (original payment method or wire transfer)
  • Allow 10-15 business days for processing

3. Refunds After 7-Day Period

After the initial 7-day cooling-off period, refunds are generally not available. However, in exceptional circumstances, requests may be considered:

Documented Hardship:

Requests due to severe financial hardship must be submitted with supporting documentation and are subject to review and approval.

Project Non-Commencement:

If a project fails to commence within 24 months of the investment commitment date, partial refunds may be considered.

Material Breach:

If Ficus Aurea materially breaches the investment agreement, remedial measures or refunds may be considered.

4. Subscription Services Cancellation

For recurring subscription services (advisory, consulting, reporting), cancellation may be requested with 30 days' written notice. No refunds are provided for partial months of service.

Subscription Cancellation Process:
  • Submit cancellation request in writing to Info@ficusaurea.com
  • Specify desired cancellation date (minimum 30 days in advance)
  • Final invoice will be issued for services rendered through cancellation date
  • Confirmation of cancellation will be provided within 5 business days

5. Payment Processing & GoCardless Refunds

Payments processed through GoCardless or other payment providers are subject to those providers' terms and dispute resolution procedures. Ficus Aurea will facilitate legitimate refund requests:

  • Duplicate payment corrections within 10 business days
  • Unauthorized transaction disputes (subject to documentation)
  • Payment processing errors initiated by Ficus Aurea

6. Refund Processing Timeline

Days 1-5:
Request validation and review
Days 6-10:
Processing and approval (if applicable)
Days 11-15:
Fund transfer to original payment method or designated account
Days 16-30:
Bank processing (varies by financial institution)

7. Non-Refundable Items

The following are non-refundable:

  • Advisory and consulting fees (except within 7-day cooling-off period)
  • Due diligence and analysis reports
  • Document preparation and review services
  • Payment processing fees and administrative charges
  • Returns generated from active investments (profits are client property)

8. Dispute Resolution & Appeals

If a refund request is denied, you may appeal within 15 days of the denial notice. Submit your appeal with additional documentation to our compliance team:

Ficus Aurea Compliance Team

Email: compliance@ficusaurea.com

Phone: 404-994-0766

Address: 2870 Peachtree Rd, Suite 230, Atlanta, GA 30305

Questions About This Policy?

Contact our customer support team for clarification on any aspect of our refund and cancellation policy.

© 2026 Ficus Aurea. All rights reserved. Securities offered through licensed broker-dealers.

This policy is effective as of May 2026 and may be updated at any time.