Payments, cancellations and withdrawals policy

Effective date: 28/09/2026 · Last updated: 28/09/2026

This Policy sets forth the general conditions applicable to payments, cancellations, refunds and the exercise of the right of withdrawal with respect to the services offered by Advisa International.

This Policy must be interpreted together with the Terms and Conditions for the Provision of Services, the corresponding commercial proposal, quotation or contract, and applicable Colombian law.

1. Payment terms and methods

1.1. Fees and currency

The prices of the services shall be stated in Colombian pesos (COP), unless another currency is expressly indicated.

Where applicable, the applicable taxes, charges or additional items shall be disclosed.

The specific financial conditions of each service shall be disclosed in advance through the commercial proposal, quotation, contract or other corresponding document.

1.2. Advance payments and payments

To begin the provision of a service, payment of an advance, an initial installment or the total agreed amount may be required, in accordance with the specific conditions disclosed to the Client.

Performance of the service may begin once the corresponding payment has been verified and the information or documentation necessary to begin the contracted activities has been received.

1.3. Authorized payment methods

Payments must be made exclusively through the official channels communicated by Advisa International, including, when enabled:

• Payment gateways.
• Bank transfers.
• Other methods formally communicated by Advisa International.

The Client must verify that the payment is made through the official channels before making any transfer.

Advisa International shall not be liable for payments voluntarily made to accounts, persons or channels other than those officially communicated.

2. Cancellation by the client

The cancellation of a service by the Client shall be assessed in accordance with the nature of the service, the time at which it is requested, the status of performance and the specific contracted conditions.

2.1. Cancellation before the provision of the service begins

When the Client requests the cancellation of a service before Advisa International has actually begun its performance, the request shall be assessed in accordance with the specific contracted conditions and applicable law.

When a refund is due, it shall be made in accordance with the applicable legal and contractual rules.

Expenses actually incurred and legally transferable may be taken into account when there is no regulation requiring their refund or preventing their deduction.

2.2. Cancellation after the service has begun

When the service has already begun, Advisa International may have carried out analysis, preparation, structuring, document drafting, meetings, research, formalities or other actions falling within the contracted scope.

In these cases, cancellation does not automatically imply a full refund of the amounts paid.

The corresponding financial settlement shall take into account the activities actually performed, the deliverables completed and the specific conditions of the service, without prejudice to the rights granted to the consumer by law.

3. Right of withdrawal

Where legally applicable, a Client who qualifies as a consumer may exercise the right of withdrawal provided for in Article 47 of Law 1480 of 2011 (Consumer Protection Statute).

The right of withdrawal applies, among other cases provided for by law, to certain contracts entered into through non-traditional or distance methods, including certain service contracts whose performance has not begun within the legal period.

The existence, scope and applicability of the right of withdrawal shall be determined in accordance with current legislation and the specific circumstances of the contracting.

3.1. Time limit

In the case of service contracts to which the right of withdrawal applies, it may be exercised within five (5) business days following the execution of the contract, in accordance with Article 47 of Law 1480 of 2011.

3.2. Early start of the provision of the service

When the law permits the provision of the service to begin before the expiration of the period to exercise the right of withdrawal, the Client must expressly state his or her authorization for the service to begin early.

The applicability of the right of withdrawal shall be determined in accordance with the conditions established by law.

Acceptance of these Terms shall not, by itself, be construed as a general waiver of the consumer's legal rights.

3.3. Procedure to exercise the right of withdrawal

When the Client considers that he or she falls within the legal cases for exercising the right of withdrawal, he or she must communicate his or her decision clearly and unequivocally to Advisa International through the enabled official channels.

Email: gestion@advisainternational.com

WhatsApp: +57 324 402 17 92

The communication should contain, when possible:

• Full name of the Client.
• Identification document.
• Contracted service.
• Date of contracting.
• Method used to make the payment.
• Express statement of the exercise of the right of withdrawal.
• Information necessary to process the refund.

3.4. Refund upon withdrawal

When the right of withdrawal applies, Advisa International shall refund the amounts paid in accordance with applicable law.

In particular, when Article 47 of Law 1480 of 2011 applies, the refund must be made without any deductions or withholdings of any kind and within the legal period of thirty (30) calendar days from the moment the consumer exercised the right.

4. Exceptions to the right of withdrawal

The right of withdrawal does not constitute a general right of cancellation applicable to all contracting.

Its applicability shall be subject to the conditions, exceptions and requirements established in Law 1480 of 2011 and other applicable regulations.

Among other aspects, it must be assessed whether performance of the service has already begun with the corresponding authorization of the consumer within the legal period, as well as the other circumstances provided for in the regulations.

No provision of this Policy is intended to exclude, restrict or modify mandatory rights recognized by Colombian law.

5. Cancellation by Advisa International

If Advisa International is unable to begin or continue a service due to a circumstance attributable to the Company, the Client shall be informed as soon as reasonably possible.

When a refund is due for services that have not been performed, it shall be made in accordance with the specific contracted conditions and applicable law.

When the impossibility of performance arises from events attributable exclusively to third parties, authorities or circumstances of force majeure or fortuitous event, Advisa shall inform the Client of the situation and of the alternatives available in accordance with the contracted service and applicable law.

6. Payments to third parties and external expenses

Some services may require payments to entities, authorities, notary offices, consulates, embassies, platforms, insurers, registries, providers or other third parties.

When such amounts correspond to official fees, third-party charges or external expenses, Advisa shall inform the Client, where applicable, that such items do not constitute Advisa's own professional fees.

Refunds of payments made directly to third parties shall be subject to the conditions established by the respective entity and to applicable law.

7. Payment receipts and supporting documents

Advisa International may retain the supporting documents of the transactions carried out by its clients, in accordance with the applicable legal obligations.

The Client may request information related to his or her payments through the official service channels.

8. Fraud prevention and unauthorized payments

Advisa International may implement reasonable mechanisms for payment verification and prevention of fraudulent transactions.

The Client must promptly report any transaction he or she considers irregular or unauthorized.

9. Relationship with the terms and conditions

This Policy forms part of the contractual and informational framework of Advisa International and must be interpreted together with the Terms and Conditions for the Provision of Services.

In the event of a conflict between this Policy and a mandatory legal provision, the applicable legal provision shall prevail.

The specific conditions established in a proposal, quotation or contract may supplement this Policy, but may not disregard the minimum rights recognized by applicable law.

10. Service channels

For requests related to payments, cancellations, refunds or withdrawals:

ADVISA INTERNATIONAL

Email: gestion@advisainternational.com

WhatsApp: +57 324 402 17 92

City: Medellín, Antioquia, Colombia