Legal
No Refund Policy
Effective November 3, 2026
Because NOVA sells digital codes and processes prepaid load, bills payments and payouts that are delivered instantly or sent to third parties, all completed purchases and transactions are final and non-refundable, except in the limited cases described below or where Philippine law, including the Consumer Act (Republic Act No. 7394), requires otherwise.
1. Activation codes
- Activation codes are non-refundable and non-exchangeable once issued, whether or not they have been used.
- A code is consumed when an account is created with it and cannot be reused or transferred to another account.
- Codes bought from unauthorized sellers are not covered. Report any invalid code from an authorized seller to support within 7 days of purchase.
2. E-loading
- Successful loads are final. We cannot reverse load sent to a wrong mobile number or network entered by you.
- If a load fails and is not delivered by the network, the amount is credited back to your E-Load wallet — not to cash or your original payment method.
- E-Load wallet top-ups are non-refundable once verified and credited.
3. Bills payment
- Bills payments that have been posted to the biller are final. Disputes about the bill itself must be raised with the biller.
- If we reject a request before it is processed, the amount is returned to your NOVA balance.
- We are not responsible for late fees or disconnection caused by incorrect account details or late submission.
4. Withdrawals and service charges
- The 10% withdrawal service charge is non-refundable once a payout is released.
- If a withdrawal is declined before release, the full requested amount is returned to the balance it came from.
- Payouts sent to the account details you provided are final. We cannot recover funds sent to a wrong or closed e-wallet account.
5. Task credits, referral credits and vouchers
- Task and referral credits are promotional rewards with no purchase price and cannot be refunded or converted outside the platform rules.
- Voucher codes are single-use and non-refundable once redeemed.
- Credits obtained through violations of our Terms or Acceptable Use Policy may be forfeited without refund.
6. Account suspension or closure
Closing your account, or suspension for a policy violation, does not entitle you to a refund of activation codes, fees or service charges. Legitimate balances that meet withdrawal requirements may still be requested, subject to review.
7. Our errors
If you were charged twice or charged because of a system error on our side, contact support within 7 days with your transaction reference. Once verified, we will correct the error by crediting the affected amount back to your NOVA balance.
8. How to report a problem
Email [email protected] with your username, the transaction reference, the date and a short description. We aim to reply within 3 business days.
Questions about this policy? Email [email protected].
