Refund & Cancellation Policy

1. Overview

At Panama Publishing, we aim to provide transparent and fair service policies. This Refund & Cancellation Policy explains how cancellations, service adjustments, and refunds are handled for services purchased through our website or via direct agreement.

By purchasing our services, you agree to the terms outlined below.

2. Scope of This Policy

This policy applies to all publishing support services, including but not limited to:

• Writing and editing
• Formatting and layout
• Cover and graphic design
• Publishing consultation
• Marketing support services

This policy does not apply to:

• Third-party platform fees (e.g., publishing platforms, ISBN purchases)
• Payments made directly to external vendors
• Services that have been fully delivered and approved

3. Cancellation Policy

You may request a cancellation at any time by contacting us:

• Email: info@panamapublishing.com
• Phone: +1 (213) 898-6195

3.1 Before Work Begins

If you cancel before any work has started, you may be eligible for a refund, minus applicable transaction or processing fees. Work is considered not started if no drafts, edits, planning documentation, or resource allocation has occurred.

3.2 After Work Has Started

If cancellation is requested after work has commenced:

• Charges will apply for work already completed
• A prorated refund may be issued for unused service portions
• Refund calculations are based on documented project progress

Work is considered “started” once any of the following occur:

• Draft creation
• Editing or formatting work
• Design concepts
• Project planning or consultations logged internally

4. Refund Eligibility

Refund eligibility is assessed on a case-by-case basis in good faith and depends on service stage, deliverables completed, and contractual scope.

4.1 Services Not Yet Initiated

If no work has begun and cancellation is requested within 7 calendar days of payment:

• You may receive a refund
• Transactional or payment processing fees may be deducted

4.2 Services in Progress

If work is underway:

• Refunds are not automatic
• Prorated refunds may be issued for incomplete service portions
• Deductions apply for time, labor, and deliverables already produced

All calculations are made reasonably and transparently.

5. Non-Refundable Situations

• Completed services delivered as agreed
• Final deliverables approved by the client
• No revision requests submitted within the revision window
• Delays caused by lack of client communication or materials
• Change of mind after project initiation

6. Revisions vs Refunds

Revisions are part of our standard service process. Refunds are not issued solely due to dissatisfaction if the delivered work aligns with the agreed scope. If you believe deliverables fall materially outside the agreed scope, please contact us. We will review the concern and work toward a reasonable resolution, which may include revisions or partial adjustments where appropriate.

7. How to Request a Refund

To request a refund, please submit a written request to:

• Email: info@panamapublishing.com
• Subject Line: Refund Request – [Project or Invoice Number]

Please include:

• Full name
• Contact information
• Project details
• Reason for request
• Supporting documentation (if applicable)

8. Review & Processing Timeline

• Refund reviews are completed within 5–10 business days
• Approved refunds are processed within 14 business days thereafter
• Processing time may vary depending on payment providers or financial institutions

9. Transaction & Third-Party Fees

Refund amounts may be reduced by non-recoverable costs, including:

• Credit card processing fees
• Payment gateway charges
• Third-party vendor expenses

These charges are deducted only where applicable.

10. Service Adjustments

If a project scope changes mid-service:

• Fees may be adjusted proportionally
• Credits or partial refunds may be issued where services are reduced
• All adjustments are documented and approved before implementation

11. Policy Updates

We may update this Refund & Cancellation Policy periodically to reflect operational, legal, or regulatory changes. Updated versions will be posted on this page with a revised effective date. Active clients may be notified via email where material changes apply.

12. Contact Information

Panama Publishing

Email: info@panamapublishing.com

Phone: +1 (213) 898-6195

Business Address: 601 S Figueroa St, Los Angeles, CA 90017