Refund Policy

At premium.businessday.ng, we strive to provide high-quality news, research, and analysis to our valued subscribers. Due to the nature of our service — immediate access to digital content — our refund policy is designed to be fair, transparent, and to prevent abuse.

1. General Policy on Refunds

All payments made for subscriptions or digital content on premium.businessday.ng are non-refundable once premium content has been accessed or downloaded. Access is defined as:

Viewing or downloading premium articles, reports, or data
Logging into a subscriber-only section of the website
Engaging with content that is locked behind a paywall

We reserve this right to protect the integrity of our service and the proprietary nature of our content.

2. Refunds for Unused Access

If a user completes a payment but does not access any premium content, a refund request may be submitted within 48 hours of purchase. The following conditions apply:

The user must not have opened any paywalled article, report, or research piece.
Access logs and usage records will be reviewed to confirm non-usage.
If verified, a full refund will be processed within 5–10 business days.

3. Technical Access Issues

We understand that technical problems can occasionally prevent access to content. If you have paid for a subscription but are unable to access content due to a verified issue on our platform, you are eligible for a refund or account credit under the following conditions:

You report the issue to our support team within 48 hours of the problem occurring.
Our technical team confirms that the issue was not due to user-side configuration (e.g., browser extensions, ad-blockers, slow internet).

We will offer:

Either a refund, or
A service extension/credit, depending on user preference.

4. Subscription Renewals and Cancellations

All subscription plans are billed in advance and set to auto-renew unless canceled.
You may cancel your subscription at any time to prevent future charges.
We do not offer prorated refunds for unused time in the current billing period.
Renewal reminders may be sent before the next billing date (especially for annual plans).

5. Chargebacks and Disputes

Initiating a chargeback without first contacting our support team to resolve a refund issue may result in the suspension of your account and access to premium content. We encourage all users to reach out to us before disputing payments.

6. Contact Information

For any questions regarding this policy or to request a refund under eligible conditions, please contact:

Customer Support
Email: support@businessday.ng
Phone: +234-806-026-9434
Hours: Monday–Friday, 9 AM – 5 PM (WAT)