1. Overview

This Refund Policy explains how deposits, payments, and refunds are handled for all orders placed with Ramrod.アートI ("the Studio"), across all four service categories: Custom Signatures (KAT-A), Logo Design / Calligraphic Logo (KAT-B), Initial Monogram / The Initial Series (KAT-C), and Monochromic Logo (KAT-D). This policy should be read alongside the Studio's Terms and Conditions.

2. Payment Structure

All orders follow a two-stage payment model:

● 50% deposit — paid before any design work begins.

● 50% balance — paid upon the Client's final approval, before final files are released.

Because this structure ties payment directly to work performed, refund eligibility differs depending on which stage the order has reached.

3. Payment Processing & Administrative Fees

Where a refund is approved, the amount returned to the Client reflects the original payment received net of any non-refundable transaction or processing fees charged by the payment provider used for that order. These fees are set by the payment provider, not the Studio, and in most cases are not returned to the Studio when a refund is issued — meaning they cannot be returned to the Client either. The applicable deduction depends on the payment method originally used:

● Bank transfer — local bank-to-bank transfers generally carry minimal or no fee, but any transfer or admin charge incurred in returning the funds (as billed by the bank) will be deducted from the refund.

● PayPal — PayPal does not return its original transaction fee to the Studio when a refund is processed. This fee (typically a percentage of the transaction plus a fixed amount, and higher for cross-border or currency-converted payments) will be deducted from the refunded amount, in line with PayPal's own policy.

● Payment gateways / e-wallets (e.g. Midtrans, Xendit, OVO, GoPay, QRIS, or similar) — these providers likewise charge a processing fee per transaction that is generally non-refundable to the Studio; any such fee will be deducted before the refund is issued.

● Credit or debit card — card network and acquiring bank fees tied to the original transaction are non-refundable to the Studio and will be deducted accordingly.

If the original payment involved currency conversion, any conversion loss or international transaction fee applied by the Client's bank or card issuer is outside the Studio's control and is not covered by the refund.

Before processing any approved refund, the Studio will inform the Client of the exact fee being deducted and the resulting refund amount, so there are no surprises.

4. Before Work Has Begun

If the Client cancels an order after paying the deposit but before the Studio has started any concept or design work, the deposit may be refunded at the Studio's discretion, less any administrative or processing costs already incurred.

5. After Work Has Begun

Once the Studio has begun concept development, sketching, or drafting, the deposit becomes non-refundable. This reflects the creative time, research, and resources already committed to the Client's brief, regardless of how many concepts have been shared.

6. After Final Files Are Delivered

No refunds, partial or full, are issued once the final approved artwork and files have been delivered to the Client. Delivery marks the completion of the Studio's obligations for that order.

7. Revisions Are Not Grounds for Refund

Dissatisfaction with a concept during the revision stage is addressed through the revision rounds included in the order, not through a refund. The Client is encouraged to provide clear, specific feedback during each revision round so the design can be refined to their expectations. Requests for revisions beyond the included allowance are quoted separately and remain part of the design process rather than a refund matter.

8. Non-Refundable Circumstances

Refunds will not be granted in the following situations:

● The Client changes their mind after work has begun, without a defect in the delivered work.

● The Client fails to respond to revision requests or approval requests within a reasonable time, causing the order to lapse.

● The brief, names, or reference material submitted by the Client was inaccurate, incomplete, or later changed after work began.

● The final files have already been delivered and downloaded or accessed by the Client.

9. Studio-Initiated Cancellations

In the rare event the Studio is unable to complete an order (for example, due to an unresolvable conflict with the brief or extraordinary circumstances), the Client will be offered a full refund of any amount paid for that order.

10. How to Request a Refund

Refund requests must be submitted in writing through the Studio's official contact channels, referencing the order details and the reason for the request. Each request is reviewed individually against this policy.

11. Processing Time

Approved refunds are processed within a reasonable timeframe following approval, using the original payment method where possible. Processing times may vary depending on the payment provider or bank.

12. Contact

For any questions about this Refund Policy, please reach out to Ramrod.アートI through the Studio's official channels.