1. Purchases for both subscription and credits are final and is non-refundable including cases of early termination.

2. Hoiio reserves the right to issue refunds and credits at our sole discretion.

3. In the case of a successful refund, an administrative fee will be levied on top of the refund amount to cover processing cost and bank charges.

4. Following are the administrative charges for refund based upon the currency of your account

a) SGD 21.40

b) MYR 60

c) HKD 110

d) AUD 20

e) USD 17