Refund provisions

1. Refund Requests

   Refund requests may only be considered for products that qualify under SGI's applicable return and refund guidelines. All refund requests must be properly documented and submitted to the SGI Office or authorized representative for review and approval.

2. Refund Eligibility

   A refund may be granted only when the request meets the requirements and conditions set by SGI Management. Refund eligibility shall be determined based on the circumstances of the request, the condition of the product, proof of purchase, and compliance with the Company's policies.

3. Requirements for Refund

   The following may be required when submitting a refund request:

   • Original or valid proof of purchase;
   • Complete details of the transaction;
   • Product information and quantity involved;
   • Reason for the refund request; and
   • Other supporting documents that Management may reasonably require for verification.

   Incomplete or unsupported refund requests may be returned for completion or may not be approved.

4. Refund Processing

   All refund requests are subject to verification and approval by SGI Management. The processing period shall begin only after SGI has received the complete requirements and verified the transaction. Approval of a refund request does not automatically mean that the refund will be released immediately. The actual release shall be subject to the Company's internal verification and processing procedures.

5. Refund Method

   Approved refunds shall generally be released through the Company's designated refund method, subject to the availability of the necessary transaction records and applicable procedures. The refund amount shall be based on the eligible amount verified and approved by SGI Management.

6. Non-Refundable Transactions

   Transactions that do not meet the requirements of this policy, involve incomplete documentation, or fall under circumstances specifically excluded by SGI policies may not be eligible for a refund. Any applicable deductions, fees, or adjustments shall be communicated to the concerned Distributor when relevant.

7. Separate Return and Exchange Policy

   This Return and Refund Policy covers refund requests only. For matters involving the return or exchange of products, distributors are directed to refer to the separate Return and Exchange Policy (Revised) issued by SGI Management.

8. Management Review

   SGI Management reserves the right to review and verify each refund request on a case-by-case basis to ensure proper documentation, compliance with Company policies, and protection of both the Company and its Distributors. All distributors are expected to comply with this policy and cooperate with the verification process.