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Thank you for choosing Nation Credit Lines for your financial needs. We are committed to providing transparent and fair refund policies to ensure a positive experience for all our customers. Please review the following refund policy before using our services.

**1. Service Delivery**

1.1. **Refund Exclusion**: Please note that refunds will only be granted for services that have not been delivered. This policy applies to all our services, including CPN packages and Credit Line packages.

**2. Overpayments**

2.1. **Overpayments**: If you make an overpayment for a service and the payment exceeds the agreed-upon amount, you can request a refund of the excess funds.

**3. Unauthorized Transactions**

3.1. **Unauthorized Transactions**: If you believe there has been an unauthorized transaction on your account related to a service, please contact our customer support immediately. We will investigate the matter and take appropriate action to resolve the issue. If it is determined that the transaction was indeed unauthorized, you will be eligible for a refund of the disputed amount.

**4. Refund Process**

4.1. **Refund Requests**: To initiate a refund request for an overpayment or an authorized transaction, please contact our customer support within [number of days] days of the transaction.

4.2. **Documentation**: In order to process your refund request, we may require supporting documentation, such as proof of payment, bank statements, or other relevant information.

4.3. **Refund Method**: Refunds will be processed using the same method as the original payment. If this is not feasible, alternative arrangements will be discussed with you.

**5. Changes to the Refund Policy**

5.1. **Policy Updates**: Nation Credit Lines reserves the right to update and modify this refund policy as needed. Any changes to the policy will be communicated to you through our website or other appropriate channels.

**6. Contact Us**

6.1. If you have any questions or concerns regarding our refund policy, please feel free to reach out to our customer support team at [contact information].

By using Nation Credit Lines' services, you acknowledge that you have read and understood this refund policy and agree to its terms and conditions, including the exclusion of refunds before service delivery.