Refund, Exchange and Cancellation Policy

This policy applies to paid conference and event registrations bought from ECCU Bankers Association Ltd. through https://eccuba.org. All amounts are in XCD (EC $) and refunds are made in XCD.

1. Returns and refunds

What we sell is admission to an event, so there is nothing to return. Where a refund is due it is made to the original payment card. We do not refund to a different card, to a third party, or in cash.

A refund is due where:

• the Association cancels the event;
• the Association postpones the event and you tell us within 14 days of the notice that you do not want the transferred place;
• you cancel your registration within the windows in section 2 below;
• you were charged more than once for the same registration, or charged in error.

Approved refunds are submitted to the payment provider within five business days of approval. How long the credit then takes to appear is set by your card issuer, and is commonly a further five to ten business days.

To request a refund, email info@ecbankers.org from the primary contact address on the registration, quoting the registration reference. Please contact us before disputing a charge with your issuer.

2. Cancellation by the delegate

Cancellations must be sent in writing to info@ecbankers.org. The date we receive the email is the cancellation date.

Cancellation received	Refund
30 or more days before the event start date	Full refund, less an administrative fee of EC $ 70 per attendee
15 to 29 days before the event start date	50% of the fee paid
14 days or fewer before the event, or after it has started	No refund; substitution is available (see section 3)

A registration that is unpaid at the registration deadline may be released and cancelled by the Association. Failing to attend without notifying us is not a cancellation and does not attract a refund.

3. Exchanges and substitutions

Registrations are held by the registering organisation, not the individual. You may substitute a different attendee at no charge at any time up to the start of the event by emailing info@ecbankers.org with the name, title and email of the replacement.

Where the substitute is not eligible for the rate originally paid, for example a member rate paid for by a non-member delegate, the difference becomes payable before the substitute is admitted.

A registration may be transferred once to another event run by the Association within the following 12 months, if requested 15 or more days before the original event. Any difference in fee is payable or refundable at the time of transfer. Transferred registrations cannot then be refunded under section 2.

4. Cancellation by the Association

If we cancel an event, every registration is refunded in full and we will not charge an administrative fee. Our liability is limited to that refund; we do not reimburse travel or accommodation. This applies equally where cancellation is caused by circumstances outside our control.

5. Billing errors

If you believe you have been charged incorrectly, contact info@ecbankers.org or +1 (268) 720-4323 with the registration reference and the amount charged. Confirmed errors are refunded in full, including any administrative fee.