Refunds and Disputes

💸 Refund Timelines

• Cards: processed within 2 business days of approval; your bank posts it within 5–14 days.
• COD: bank transfer (IBAN) within 3–5 business days after inspection.
• Tabby / Tamara: per the provider’s refund policy.
• All approved refunds include 5% UAE VAT.

⚖️ Disputes — Fair & Fast

1. Talk to us first: most issues are solved in one WhatsApp conversation — we respond fast and fix mistakes at our cost.
2. Escalation: unresolved? Email support@totot.ae with subject “DISPUTE: Order #…” — a senior team member replies within 1 business day.
3. Your rights: nothing here limits your rights under UAE Federal Law No. 15 of 2020 (Consumer Protection) or your card issuer’s chargeback process.

🆘 Need Help?

WhatsApp +971 56 633 7279 (9 AM–11 PM GST daily) • support@totot.ae

Google Merchant Center Compliance Note: Refunds processed within 2 business days of approval; card refunds appear within 5–14 days depending on the bank. Disputes are handled by a senior team within 1 business day. Service area: United Arab Emirates only.