Orange Refund Policy

This Refund Policy (“Policy”) outlines the terms under which Orange Global Services Inc. (“Orange”, “we”, “our”, or “us”) coordinates and processes refunds for customers (“you” or “customer”). Orange operates as a non-custodial payments orchestrator and does not itself hold or control customer funds. All refunds are facilitated in coordination with our on/off-ramp partners.

1. Eligibility for Refunds

Refunds are only processed in the event of a failed payment on the Orange network, which includes transactions routed through the on/off-ramp partners integrated with Orange. A payment is deemed “failed” when:

• the transaction cannot be completed on the Lightning Network; or
• the on/off-ramp partner is unable to deliver funds to the designated beneficiary.

Orange’s role is to coordinate the refund by providing the necessary transaction metadata and/or Lightning payment details to our partners so that funds can be returned to the customer.

2. Method of Refund

• By default, refunds are processed in Bitcoin via the Lightning Network, sent to the Lightning Address or LNURL provided by the customer.
• If the payment failure occurs prior to conversion of fiat into Bitcoin at the on-ramp, the on-ramp may return the fiat directly to the originating bank account, subject to the on-ramp’s jurisdictional policies and procedures.

3. Refund Calculation

Refund amounts are determined as follows:

1. For BTC-to-fiat transactions: the amount of Bitcoin originally transmitted across the Orange infrastructure.
2. For fiat-to-BTC transactions: the amount of Bitcoin converted from fiat currency and transmitted across the Orange infrastructure before the failure occurred.
3. All refunds are processed net of applicable network or banking fees, including Lightning routing fees and/or bank transfer charges.

4. Refund Settlement

Refunds are automatically attempted to the Lightning Address provided by the customer at the time of the transaction.

5. Failed Refund Attempts

If the automatic Lightning refund fails (for example, due to an invalid or unreachable Lightning Address), Orange will manually coordinate the refund. Manual refunds are processed within 72 hours of confirmation of failure, subject to the availability of correct customer details.

6. Disclaimers and Limitations