Refund and Returns Policy

RETURNS, REFUNDS & TRANSACTION REVERSAL POLICY

Last Updated: June 2026

Imperial Trust Group is committed to providing secure and reliable banking and financial services. As financial services differ from physical goods, refunds and transaction reversals are governed by banking regulations, payment network rules, and applicable laws.

1. GENERAL POLICY

Banking services, account services, and completed financial transactions are generally non-refundable once successfully processed. Requests for reversals or refunds will be reviewed on a case-by-case basis and subject to applicable regulations.

2. UNAUTHORIZED TRANSACTIONS

If you believe a transaction was unauthorized, you must notify Imperial Trust Group immediately.

We will investigate reported transactions and may take appropriate measures, including:

• Temporary account restrictions

• Transaction review

• Fraud investigation

• Chargeback or recovery procedures where applicable

3. TRANSFER REVERSALS

Funds transfers may only be reversed when:

• The transaction has not yet been processed

• A processing error has occurred

• Regulatory requirements permit reversal

• The receiving institution approves the reversal request

Completed transfers cannot be guaranteed for reversal.

4. PAYMENT DISPUTES

Clients may submit disputes regarding eligible card payments or electronic transactions. Supporting documentation may be required to investigate and process the claim.

5. FEES

Service fees, account maintenance fees, wire transfer fees, foreign exchange fees, and similar banking charges are generally non-refundable unless required by law or due to an error by Imperial Trust Group.

6. ACCOUNT CLOSURE

Clients may request account closure subject to applicable terms, verification procedures, and outstanding obligations. Eligible remaining balances will be returned according to applicable regulations.

7. FRAUD PREVENTION

Imperial Trust Group reserves the right to delay, refuse, reverse, or investigate transactions where fraud, money laundering, sanctions violations, or other unlawful activities are suspected.

8. LIMITATION OF LIABILITY

Imperial Trust Group shall not be liable for losses resulting from incorrect payment instructions provided by clients, delays caused by third-party financial institutions, or circumstances beyond our reasonable control.

9. CONTACT US

For transaction disputes, payment investigations, or reversal requests, please contact:

Imperial Trust Group

Dzirnavu iela 57A
Riga, LV-1010
Latvia

Email: support@imperialtrustgroup.com

Phone: +371 20 061 529

Our support team will review your request and respond in accordance with applicable banking regulations and internal procedures.