Refund Policy

1. Overview

Expatico Travels and Tours Ltd ("Expatico," "we," "us," or "our") acts as an intermediary between customers and third-party travel service providers, including airlines, hotels, tour operators, visa facilitation services, and ground transport providers. Because most bookings are subject to the individual terms of these third-party suppliers, refund eligibility varies by booking type. This policy explains how refunds are handled across our services.

2. General Principles

• Refunds are governed first by the cancellation and refund rules of the specific airline, hotel, or supplier used for your booking. Expatico does not set these rules and cannot override them.
• Where a supplier permits a refund, Expatico will process the refund to you less any non-recoverable service fees, ticketing fees, or third-party penalties already incurred.
• All refund requests must be submitted in writing to support@goexpatico.com with the booking reference number.

3. Flight Bookings

• Refundable fares: Refunds follow the airline's fare rules. Processing typically takes 7–21 business days after the airline approves the refund, subject to BSP/ARC settlement cycles.
• Non-refundable fares: No cash refund; however, government taxes and unused airport charges may be reclaimable, subject to airline policy.
• Airline-initiated cancellations/schedule changes: If the airline cancels or significantly reschedules a flight, we will assist you in obtaining the refund or rebooking options the airline offers, at no additional Expatico service fee.
• Ticketing/service fees: Expatico's own service and booking fees are non-refundable once a ticket has been issued, except where the cancellation is due to an error on our part.

4. Hotel and Accommodation Bookings

• Refunds follow the rate rules selected at booking (fully refundable, partially refundable, or non-refundable).
• Cancellations made within the property's free-cancellation window will be refunded in full, less any payment processing charges.
• No-shows and late cancellations outside the stated window are generally non-refundable.

5. Tour Packages and Group Travel

• Cancellations made 30+ days before departure: refund of amount paid, less a processing fee of 20%.
• Cancellations made 15–29 days before departure: 50% refund.
• Cancellations made less than 15 days before departure: non-refundable, as costs are typically already committed to ground partners.
• Force majeure events (natural disasters, civil unrest, government travel restrictions) will be assessed case-by-case, and Expatico will pass through any refunds or credits obtained from underlying suppliers.

6. Visa Facilitation and Documentation Services

• Service fees for visa application assistance are non-refundable once the application has been submitted to the relevant embassy, consulate, or visa processing centre, regardless of outcome.
• Government/embassy visa fees are non-refundable and non-transferable, per embassy policy.

7. Payment Reversals and Disputed Transactions

• If a payment is made in error or duplicated, notify us within 48 hours with proof of payment for review and reversal.
• Refunds are issued to the original payment method or bank account used, in line with our payment partner (Monnify/Access Bank) settlement timelines.
• Chargebacks initiated without first contacting Expatico may delay resolution and could affect future booking privileges.

8. How to Request a Refund

1. Contact us by email at support@goexpatico.com, or by phone/WhatsApp at 08057574275 / 08134279080, with your booking reference, date of travel, and reason for the request.
2. Our team will confirm the supplier's applicable policy and any recoverable amount.
3. Approved refunds are processed within 7–21 business days, depending on the supplier and payment channel.

9. Changes to This Policy

Expatico may update this Refund Policy from time to time. The most current version will be shared with you directly via email or WhatsApp on request, and applies to bookings made after the update date.

10. Contact