Knemonik provides professional intelligence services. Once analytical work has commenced, our analysts' time is expended and cannot be recovered. Our refund policy reflects this reality while providing fair protection for clients who cancel before work begins.
Client cancels within 48 hours of payment and before any analytical work has begun. Full refund minus $150 administrative processing fee.
Client cancels after investigation work has begun but before delivery. Refund of unused portion minus actual hours at $250/hr and $150 admin fee.
Client requests refund after receiving the deliverable (report, evidence package, data export). No refund is available once delivery has been made.
Fixed fees for whistleblower evidence assembly and submission support are non-refundable once the evidence package assembly process has commenced.
Monthly AML Compliance SaaS subscriptions may be cancelled at any time. No refund for the current billing period; cancellation takes effect at end of period.
Annual plans cancelled within the first 30 days receive a pro-rata refund for unused months. After 30 days, no refund is available for annual plans.
If Knemonik terminates an engagement due to regulatory requirements, force majeure, or circumstances outside its control, a pro-rata refund of unused fees is provided.
If Knemonik terminates an engagement due to client misrepresentation, AML/KYC policy violation, or breach of the Engagement Agreement, no refund is provided.
Knemonik cannot refund fees because a government agency declined to pursue a whistleblower case. Agency decisions are independent of Knemonik's work quality.
To request a refund, contact Knemonik through the secure inquiry form at knemonik.com within the applicable timeframe, providing:
Knemonik will acknowledge refund requests within 2 business days and process approved refunds within 10 business days. Refunds are returned to the original payment method used.
We strongly encourage clients to contact Knemonik directly before initiating a chargeback with their bank or payment provider. Filing a chargeback without first seeking resolution from Knemonik may result in:
Knemonik maintains complete documentation of all engagements and will contest chargebacks filed against properly delivered services.
All Knemonik fees are denominated in US Dollars (USD). Refunds are processed in USD at the original transaction amount. Knemonik is not responsible for any currency exchange losses incurred by clients paying in non-USD currencies.
Any dispute regarding a refund that cannot be resolved directly with Knemonik's client services team is subject to the dispute resolution process set out in the Client Engagement Agreement (binding AAA arbitration, Delaware law). Filing of a payment dispute does not waive Knemonik's right to seek arbitration.
This policy may be updated from time to time. The version in effect at the time of payment governs the refund terms for that transaction. Changes will not apply retroactively to already-paid engagements.