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Refund Policy

Effective 5 October 2026. This Policy explains when BSM Attorneys refunds money paid on BSM Attorneys Online Library, including payments processed through AzamPay and mobile-network operators.

1. Our promise

If we take your money in error, or you do not receive the digital item you paid for, we will refund you. This Policy is designed so customers and payment partners (including AzamPay) can see a clear, public refund path.

2. Library PDFs and other digital downloads

These are intangible goods delivered immediately after a successful payment. Once the file is unlocked in your account, the purchase is generally non-refundable, because the content cannot be “returned”.

We will refund a library purchase if:

• the payment succeeded more than once for the same item (duplicate charge);
• the amount charged is higher than the price and VAT shown at checkout;
• the file never unlocked, is corrupt, or is the wrong document, and we cannot replace it within a reasonable time;
• you were charged after a cancelled or timed-out STK / USSD prompt.

3. e-Opinion and professional fees

• If you pay a quotation and we have not started work, you may request a full refund.
• If work has started, we may refund the unused portion after deducting a reasonable fee for work already done, unless the quotation says otherwise.
• Completed opinions that were delivered as scoped are not refundable because of a change of mind.

4. How to request a refund

Email info@bsmattorneys.co.tz or call / WhatsApp +255 719 210 640 within 14 days of the payment. Include:

• full name and account email;
• mobile-money number used;
• date, amount (TZS), and transaction / receipt reference;
• the document or e-Opinion concerned;
• reason for the request.

We aim to decide within 3 business days and to complete approved refunds within 7–14 business days, back to the original wallet or via AzamPay / the mobile-network operator’s refund process.

5. VAT

Refunds of a VATable supply will include the VAT element of that supply, and we will adjust our records accordingly.

6. Chargebacks and disputes

Please contact us before raising a dispute with your mobile operator or AzamPay. We will cooperate with AzamPay’s dispute process and may share transaction records needed to resolve the case.

7. Contact

Refund desk: info@bsmattorneys.co.tz
Phone: +255 719 210 640 / +255 735 971 111
Address: House No. 28, Plot No. 229, Block A, Mikocheni A, Viwandani Road, Kinondoni, Dar es Salaam, P.O. Box 76932.