ATHENA (DRGX) guarantees to any of its User his/her right for refund, in case if such User is not satisfied with the quality of the provided Services.

Furthermore, ATHENA (DRGX) declares that its User has the right to change his/her mind in case if the User’s Account was already funded and to request his/her Funds to be returned.


  • This Refund Policy concerns exclusively Transaction fees and Users’ Funds.
  • This Refund Policy does not cover any transactions between the Users related to purchase-sale of crypto-currencies, and it does not refer to any refunds for purchased crypto-currencies
  • ATHENA (DRGX) undertakes to make its best efforts to assist the Users in case of any disputes related to refunds of purchased crypto-currencies.
  • Refunds and Returns more than the original amount are prohibited.


  1. Business Day: means every official working day of the week in MALTA
  2. Chargeback: means return of the User’s money by his/her Issuing Bank due to the disputed and/or fraudulent transaction.
  3. Eligibility Criteria: means the set of requirements that must be met for Refund or Return.
  4. Funding: Payback of received amount.
  5. Return Form: means the ATHENA (DRGX) form to be completed by the User, who has requested for his/her Funds to be returned.
  6. Funds: paid amount.
  7. Issuing Bank: means the bank that has issued payment card to the User as Cardholder.
  8. Refund original amount: means the precise amount of Transaction fee deducted from the amount of certain User’s Transaction.
  9. Refund Form: means the ATHENA (DRGX) form to be completed by the User, who has requested the Refund.
  10. Refund: means giving back the amount of Transaction fee paid by the User about certain Transaction.
  11. Return original amount: means the precise amount of the User’s Funds accumulated on his/her Account.
  12. Return: means giving back the User’s Funds transferred to his/her Account.
  13. Transaction Charges: means any fee charged by a bank/financial institution upon processing a valid refund request

All other terms and definitions in this Refund Policy are used in the same meaning as under the Terms of Use.


  1. All requests for Refund will only be accepted where notice is received by ATHENA (DRGX) no later than forty-eight (48) hours after made Transaction.
  2. Notice mentioned in para (i) above should be provided to ATHENA (DRGX) by completing Refund Form.
  3. Completed Refund Form should be sent to the ATHENA (DRGX) electronic address with ‘Refund Request’ in the subject line.


  1. All requests for Refund should be provided to ATHENA (DRGX) by completing Return Form.
  2. Completed Return Form should be sent to the ATHENA (DRGX) electronic address with ‘Return Request’ in the subject line.
  3. Return is made only via Bank transfer and after the User provides all details for such Bank transfer.


Within fifteen (15) Business Days as of the date of Refund From/Return Form receipt, ATHENA (DRGX) shall contact the User to request further information (if required) and the User shall provide such information as soon as reasonably practicable, but in any case, no later than fourteen (14) days following such request. ATHENA (DRGX) shall notify the User by e-mail on its final decision regarding Refund/Return:

  1. within fifteen (15) Business Days following the receipt of the last requested additional document or information;
  2. within twenty (20) Business Days following the receipt of Refund Form/Return Form, if no further information or document is requested. Refund/Return will be processed within twenty (20) Business Days from the date of notifying the User on the ATHENA (DRGX) decision.


  1. When requested by ATHENA (DRGX) to do so, the User fails to provide ATHENA (DRGX) with information or/and document(s) within the terms set herein.
  2. If ATHENA (DRGX) suspects that the User has, or is, engaged in, or have in any way been involved in, fraudulent or illegal activity, including Prohibited Conduct.
  3. There is no ground for Refund/Return.

NOTE: ATHENA (DRGX) reserves the right to lock the User’s Funds while Refund/Return investigation is in process, which means that the Funds could be inaccessible during such investigation.


ATHENA (DRGX) expects the User to contact it using ATHENA (DRGX) contact details to resolve any problem or issue related to his/her payments, before the User makes any Chargeback request. This Section does not affect any rights and/or claims, which the User may have against the bank/financial institution.

ATHENA (DRGX) will investigate any Chargeback requests made by the User and in response will inform the User’s Issuing Bank whether any Service or Transaction has been cancelled.

ATHENA (DRGX) reserves the right to suspend User’s account and lock User’s Funds during the chargeback investigation procedure.


The User who has paid for the ATHENA (DRGX) Services, i.e. paid a transaction fee, or has funded his account may request a Refund or Return in accordance with the Eligibility Criteria as further set out herein.

Refund/Return will only be considered where the User complies with the Eligibility Criteria in full. Where the User fails to meet any of the Eligibility Criteria, ATHENA (DRGX) shall have the right, in its sole discretion, to decline the User’s request for a Refund/Return.

To apply for a Refund/Return, the User must request and complete a Refund Form/Return Form and send the respective form to the ATHENA (DRGX) support address.

You can obtain the Refund/Return Form under request sent to [email protected]

To prevent Prohibited Conduct, all payments and information related to Refund/Return may be verified by ATHENA (DRGX). In such case, ATHENA (DRGX) may request the User to provide certain documents, including, but not limited to, identification documents, copy of the User’s Payment Card and Invoice or/and any other prove of the fact that disputed payment was made. In case if the User fails to provide appropriate documents or information within three (3) days upon the ATHENA (DRGX) request or in case of any doubts as to authenticity of provided documents, ATHENA (DRGX) shall be entitled to decline the User’s Refund/Return request.

ATHENA (DRGX) shall process the User’s Refund Form/Return Form as soon as is reasonably practicable. Response times will vary depending on stated reasons for the request. In any case, ATHENA (DRGX) shall notify the User on the outcome of the request in accordance with the timescales set out herein. Refund/Return request will only be approved or declined after meticulous verification made by ATHENA (DRGX).

NOTE: Submission of Refund Form/Return Form does not guarantee that the User’s request will be satisfied.


Any charges, which arise upon processing Refund/Return, shall be borne solely by the User. Such charges will be deducted from the final amount of Refund/Return. This Refund Policy will be amended from time to time if there is any change in the legislation. Terms and conditions of the Refund Policy are subject to change by ATHENA (DRGX) and in the case of any amendments, ATHENA (DRGX) will make an appropriate announcement. The changes will apply after ATHENA (DRGX) has given notice.

In case if the User does not wish to accept the revised Refund Policy, he/she should not continue to use ATHENA (DRGX) Services. If the User continues to use the Services after the date on which the change comes into effect, his/her use of the Services to be bound by the new Refund Policy.