Effective Date: October 13, 2026
Brand Identity: Real J Black Limited™ (Trademark Application Pending / Under Official Review)
At Real J Black Limited™, operational transparency, customer trust, and honesty are fundamental to how we do business. Because we offer a hybrid model of digital services, customized media, software development, and government agency processing, this policy outlines clear guidelines regarding when refunds are applicable, how non-refundable processing fees are treated, and how we handle delivery failures.
1. Identity & Government Portal Services (NIMC, BVN, CAC, NPC)
Services under this category involve direct integration with official government databases (NIMC, NIBSS, CAC, NPC).
Government & Third-Party Remittance Fees (Non-Refundable): Once an application for NIN enrolment, BVN registration, NIN/BVN modification, CAC incorporation, or NPC birth attestation has been submitted and government portal fees or Remita charges have been generated/remitted, these third-party fees are strictly non-refundable.
Real J Black Service Charge Refunds:
Before Submission: If you request a cancellation before our service agent submits your details to the respective government portal or database, you are eligible for a 100% full refund (inclusive of service fees).
After Portal Submission: If your application is already in progress within the government database, our service fee is non-refundable as technical labor has been expended.
Delivery Failure due to Government Portal Downtime: If there is a delay due to official government portal downtime (e.g., NIMC or NIBSS server outages), your application will remain queued in our system until processed. Server downtime does not constitute a service failure on our part. However, if we are completely unable to fulfill your verification or modification due to a permanent technical error on our side, we will issue a 100% refund of our service fee.
2. Educational & Online Application Services (JAMB, WAEC, NECO, NYSC, Universities, Military Portals)
e-PINs & Direct Application Fees: E-PINs (JAMB, WAEC, NECO checker cards) and direct school/portal screening payments generated on your behalf are non-refundable once generated, as they are single-use digital assets.
Data Entry & Processing Errors:
If a submission failure or error occurs due to incorrect details provided by the customer, any re-application fee will be borne by the customer.
If a processing error or failed submission occurs due to an error by a Real J Black Limited™ agent, we will re-process the application at no additional cost, or issue a 100% full refund if re-submission is no longer possible due to expired portal deadlines.
3. Graphic Design & Software Development Services
Graphic Design:
Before Draft Work Begins: 100% refund available upon cancellation.
After Initial Proof/Draft Delivery: Up to 50% refund available if you choose not to proceed before final high-resolution files are delivered.
After Final Approval & File Delivery: No refunds are issued once final artwork files (PDF, PNG, SVG) or printed materials have been delivered.
Website & Software Development:
Software projects operate on milestone payments. Project kickoff deposits are non-refundable once discovery, UI/UX design, or codebase setup has commenced.
If Real J Black Limited™ fails to deliver an agreed software milestone after a written cure period of 14 business days, the milestone fee for that specific unfulfilled phase will be refunded.
4. Photography & Videography Coverage Bookings
Cancellation by Client:
Cancellations made more than 48 hours prior to the scheduled session time are eligible for a full deposit refund.
Cancellations made within 48 hours of the scheduled session will forfeit the booking deposit to cover reserved studio/staff availability.
Cancellation by Real J Black Limited™ / Equipment Failure: In the rare event that we must cancel or fail to deliver coverage due to equipment malfunction, severe weather, or emergency, you will receive a 100% full refund or an immediate option to reschedule at your convenience.
5. Travel & Tourism Services (Flights, Visas, Hotels)
Flight & Hotel Bookings: Cancellations and refunds are governed strictly by the respective airline and hotel refund policies. Service handling fees charged by Real J Black Limited™ are non-refundable.
Visa Assistance: Visa approvals and rejections are at the sole discretion of embassy officials and foreign governments. Visa application fees and processing charges are 100% non-refundable regardless of the visa outcome.
6. How to Request a Refund
To request a refund under eligible conditions, please follow this process:
Submit a Request: Send an email to support@realjblack.com or call +2349134342634 or WhatsApp +2348145326009.
Required Details: Include your Order ID / Tracking Number, Full Name, Phone Number, Payment Receipt, and a clear description of the issue.
Processing Timeline: Eligible refunds will be evaluated within 24 to 48 business hours and returned via the original payment method (Paystack, Direct Bank Transfer, or Remita) within 3 to 5 business days.
Contact & Support
Physical Office: Filiya Main Market, Shongom LGA, Gombe State, Nigeria.
Business Hours: Monday – Saturday: 8:00 AM – 5:00 PM (WAT) | Sunday: Closed.