Add refund-policy.md

refund-policy.md

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+---
+title: "Refund & Cancellation Policy"
+description: "Outlines deposits, cancellations, and refund eligibility for CodeVelo.dev LLC services."
+lastUpdated: "2025-10-31"
+---
+
+# Refund & Cancellation Policy
+
+**Effective Date:** October 31, 2025  
+
+---
+
+## 1. Deposits
+A non-refundable deposit secures your project schedule and initial work allocation.
+
+---
+
+## 2. Cancellations
+Client cancellations must be submitted in writing. Work completed up to the cancellation date will be billed. Deposits remain non-refundable.
+
+---
+
+## 3. Refund Eligibility
+| Service | Refund Terms |
+|----------|--------------|
+| Custom development | Non-refundable after work begins |
+| Consulting | Non-refundable after session occurs |
+| Hosting | Refunds for unused prepaid months |
+| Domains & licenses | Non-refundable once registered |
+
+---
+
+## 4. Refund Process
+Approved refunds are processed within **10–15 business days** via the original payment method.
+
+---
+
+## 5. Disputes
+Report billing discrepancies to **billing@codevelo.dev** within 10 business days for review.
+
+---
+
+## 6. Force Majeure
+No refunds for delays caused by events beyond CodeVelo’s control.
+
+---
+
+## 7. Contact
+**CodeVelo.dev LLC**  
+📧 billing@codevelo.dev  
+📍 280 Tolbert Farm Rd, Beckley, WV 25801  
+
+---