Fintech Shield Refund, Return & Cancellation Policy – Store Policies

This policy explains the conditions and procedures for returning products, requesting refunds, and cancelling orders purchased through the Fintech Shield online store. It outlines applicable return periods, eligibility requirements, refund procedures, cancellation conditions, and other important information you should know before placing an order.

Last Updated: August 20, 2026

Fintech Shield aims to provide a transparent and straightforward shopping experience. This Refund, Return & Cancellation Policy explains the conditions and procedures applicable to returns, refunds, replacements, and order cancellations for physical products purchased through the Fintech Shield online store.

Fintech Shield operates its physical-product store using Modalyst's dropshipping platform. Products are fulfilled directly by independent third-party suppliers, which may include suppliers connected through third-party marketplaces such as AliExpress or Alibaba. Because supplier return arrangements can vary by product and supplier, certain product-specific conditions may apply.

This policy is intended to provide customers with clear information before and after making a purchase. Nothing in this policy is intended to limit any mandatory consumer rights or remedies that apply under the laws of the country or jurisdiction where the customer is entitled to such protections.

Our Standard Return Policy

Fintech Shield generally accepts eligible returns requested within 14 calendar days from the date the customer receives the product.

This standard return period is aligned with the current general return period stated by Modalyst for products supplied through its platform.

Modalyst currently states that suppliers accept returns up to 14 days after the customer receives the product, although individual supplier or product conditions may vary.

The applicable return conditions may also depend on the product, supplier, destination country, and any applicable buyer-protection or free-return program.

Where a product-specific return condition differs from this general policy, the applicable product-specific terms may govern, subject always to mandatory consumer rights.

Change-of-Mind Returns

We generally accept eligible change-of-mind returns within the 14-calendar-day return period. A change-of-mind return may include situations where:

You ordered the wrong product.
You ordered the wrong size, color, model, or variant.
You no longer want the product.
You changed your purchasing decision after receiving the product.
You otherwise wish to return an eligible product even though it is not defective.

For a change-of-mind return to generally qualify:

The return request must be submitted within 14 calendar days of delivery.
The product should be unused or in substantially original condition.
The product should be returned with its original packaging where reasonably applicable.
Safety seals, labels, tags, accessories, manuals, warranty materials, and other included components should remain intact where applicable.
The product must not have been damaged, altered, misused, or materially depreciated through use beyond what is reasonably necessary to inspect the product.

Certain products may have additional or different return conditions. For products participating in AliExpress's official Free Return program, AliExpress's terms currently provide a 15-calendar-day free-return period for qualifying products, subject to the product carrying the applicable Free Return designation and meeting the program's conditions.

However, because Fintech Shield operates through Modalyst, our standard customer-facing return window is 14 calendar days, unless a longer period is required by applicable law or a specific product/supplier policy expressly provides otherwise.

Product Condition for Returns

Returned products should generally be in the condition in which they were received.

Where applicable, customers should retain:

Original product packaging
Product labels and tags
Safety seals
Accessories
Manuals
Warranty cards
Cables and other included components
Original product inserts

Reasonable opening of packaging for inspection or testing does not automatically make a return invalid where applicable law or the relevant supplier program permits such inspection.

However, substantial use, damage, modification, contamination, missing components, or other material deterioration may affect return eligibility or the amount of any refund, subject to applicable law.

AliExpress's official Free Return terms similarly require qualifying products to remain in appropriate condition, including original packaging and applicable labels/seals.

Damaged Products

If a product arrives visibly damaged, please contact Fintech Shield within 7 calendar days of delivery.

Please provide:

Your order number
Product name
A description of the damage
Clear photographs of the product
Clear photographs of the packaging where relevant

We may request additional photographs or a short video where necessary, particularly for electronics or products where visual evidence alone may not establish the problem.

Please retain the original packaging until we have completed our review, as it may be required for investigation or return processing. After reviewing the information, we may arrange an appropriate remedy, which may include:

Replacement
Refund
Return and refund
Another appropriate resolution

The exact resolution may depend on the supplier's policy, the nature of the damage, the available remedy, and applicable law.

Defective or Non-Functional Products

If a product is defective, does not function as reasonably described, or develops a qualifying defect, please contact us as soon as reasonably possible.

Customers should provide:

Order number
Product name
Description of the problem
Photographs where relevant
Video evidence where useful or reasonably requested

Depending on the product, we may first request reasonable troubleshooting steps to determine whether the issue can be resolved without a return. For example, certain electronic products may require checking power connections, charging, compatibility, configuration, software, or other basic operating conditions before a return is initiated.

If the product is reasonably determined to be defective, Fintech Shield may arrange a replacement, refund, or other appropriate remedy, depending on the product, supplier policy, available remedy, and applicable law.

Customers should not return defective products without first receiving return instructions from Fintech Shield.

Incorrect Product or Variant

If you receive a product that is materially different from what you ordered, for example, an incorrect product, model, size, color, or variant, please contact us within the applicable return period. Where the incorrect item was supplied due to a fulfillment or order-processing error, Fintech Shield will work with the relevant supplier to arrange an appropriate remedy.

Depending on the circumstances, this may include:

Replacement with the correct product or variant; or
Refund of the affected product.

Where the incorrect product is attributable to fulfillment or supplier error, the customer will generally not be responsible for the applicable return shipping cost, subject to the supplier's return procedure and applicable law.

Return Shipping Costs

Return shipping costs may vary depending on:

The reason for the return
The product
The supplier
The customer's country
The applicable supplier return policy
Whether the product qualifies for a free-return or buyer-protection program
Applicable consumer law

Fintech Shield uses Modalyst to facilitate dropshipping fulfillment, and the applicable supplier may determine the available return arrangements.

For eligible products, certain suppliers or programs may provide free return shipping or buyer protection. Other returns may require the customer to pay the return shipping cost.

For example, AliExpress's official Free Return terms provide return-shipping service for qualifying products carrying the applicable Free Return designation, subject to its stated conditions. Customers should not assume that all products qualify for free returns.

Where a return is not covered by a supplier's free-return arrangement, buyer-protection program, or applicable legal requirement, the customer may be responsible for the return shipping cost. Return shipping instructions will be provided after Fintech Shield reviews and approves the return request.

Shipping Charges and Refunds

The treatment of the original shipping charge may vary depending on the reason for the return and the applicable supplier policy.

For example:

Change-of-mind returns: the product price may be refunded after an approved return, while the original shipping charge may not be refundable.

Defective, damaged, or incorrectly supplied products: applicable shipping charges may be refunded where supported by the supplier, fulfillment arrangement, or applicable law.

Supplier-specific return programs: shipping treatment may follow the applicable program's rules.

Because Fintech Shield uses third-party suppliers through Modalyst, shipping charges and return-shipping arrangements may vary by product and supplier.

Where a supplier determines whether a shipping charge is refundable, Fintech Shield will apply the applicable supplier arrangement, subject to mandatory consumer rights.

How to Request a Return

To request a return, please contact us through our Contact Us page or the customer-support method provided with your order.

Please provide:

Order number
Product name
Reason for the return
Description of the issue, if applicable
Photographs or video where relevant

Return Process

The general process is:

Step 1: Contact Fintech Shield with the required information.

Step 2: We review the return request and determine whether the request appears eligible.

Step 3: Where necessary, we may contact the relevant supplier or fulfillment partner.

Step 4: If the return is approved, we provide the customer with return instructions.

Step 5: The customer returns the product using the specified return method, where a physical return is required.

Step 6: The returned product may be reviewed or inspected by the supplier or fulfillment partner.

Step 7: Once the return is accepted and the applicable conditions have been satisfied, the refund or replacement process begins.

Please do not send any product to Fintech Shield's public contact location unless we specifically instruct you to do so.

Because products are shipped directly from third-party suppliers, the appropriate return address may vary by product and supplier.

Return Address

Fintech Shield does not operate a public customer-return warehouse at its Dhanbad, Jharkhand location. Where a physical return is required, Fintech Shield will provide the applicable return address and instructions after reviewing and approving the return request.

Return addresses may vary depending on the supplier, fulfillment location, product, and destination. Sending a product to an address that has not been provided or approved by Fintech Shield may result in delays or difficulty processing the return.

Refunds

Once an approved returned product has been received and the applicable return conditions have been satisfied, Fintech Shield will initiate the applicable refund. Refunds will generally be processed within 7–10 business days, excluding weekends and applicable public holidays, after the return has been received and approved or after the applicable refund decision has been confirmed.

The time required for the refund to appear in the customer's account may vary depending on the payment provider, card issuer, bank, or other financial institution.

Fintech Shield cannot guarantee the exact time required by a third-party payment provider to make the funds available.

Refund Method

Where possible, approved refunds will generally be issued using the original payment method used for the purchase. Depending on the payment provider, transaction method, currency conversion, or other circumstances, the actual amount received by the customer may be affected by exchange-rate movements or financial-institution processing.

Where a payment provider does not support the original refund method, Fintech Shield may contact the customer regarding an appropriate alternative.

Replacement and Exchange

Fintech Shield may offer a replacement instead of a refund where:

The wrong product was supplied.
The product arrived damaged.
The product is confirmed to be defective.
The supplier can provide a replacement.
A replacement is otherwise appropriate under the circumstances.

Replacement availability depends on product availability, supplier inventory, shipping destinations, and applicable supplier policies. A replacement is not guaranteed where the relevant product has been discontinued, is unavailable, or cannot reasonably be supplied.

Where a replacement cannot be provided, an appropriate refund or other remedy may be offered, subject to applicable law.

Order Cancellation

Customers may request cancellation before an order enters fulfillment. Cancellation requests should be submitted as soon as possible after placing an order.

Because Fintech Shield uses third-party dropshipping suppliers, an order may be transmitted to or processed by a supplier shortly after purchase. Once an order has entered fulfillment, been processed by the supplier, or has been shipped, cancellation may no longer be possible.

In such circumstances, the customer may need to receive the product and request a return under this policy, where eligible.

Wix explains that Modalyst products are fulfilled directly by suppliers after the merchant pays the supplier, rather than being shipped from the merchant's own inventory.

Orders That Cannot Be Cancelled or Returned

Certain products or circumstances may be excluded from ordinary change-of-mind returns where permitted by applicable law.

Potential examples include:

Products made to customer specifications or personalized products
Products that are sealed for health or hygiene reasons and have been unsealed
Products that deteriorate or expire rapidly
Certain sealed software, media, or other products after opening
Products that have been materially used, damaged, altered, or contaminated
Products that cannot reasonably be returned because of their nature
Other products excluded by applicable law or the relevant supplier's policy

Where applicable law gives a customer a mandatory right that overrides an exclusion, that legal right will prevail.

AliExpress's current Free Return terms similarly identify several categories excluded from its Free Return program, including personalized products, rapidly deteriorating goods, certain opened sealed goods, and certain digital content.

Digital Products and Future Digital Content

Fintech Shield does not currently sell paid digital products through its online store. Free online tools and informational resources available on the Fintech Shield website are not physical store products and are therefore not subject to the physical-product return procedure described above.

If Fintech Shield introduces paid digital products or downloadable digital content in the future, separate refund conditions may apply depending on the nature of the digital product, how it is delivered, and applicable law. Where required, digital-product terms will be clearly disclosed before purchase.

Third-Party Supplier Fulfillment

Fintech Shield uses Modalyst to facilitate dropshipping.

Products purchased through our store may be fulfilled directly by independent third-party suppliers. Suppliers may be located in different countries and may source products through different supply channels.

Our current dropshipping ecosystem may include products sourced through:

Modalyst suppliers
AliExpress suppliers
Alibaba suppliers
Other suppliers made available through the Modalyst ecosystem

Wix confirms that Modalyst products are shipped directly to customers by suppliers and that supplier shipping arrangements can vary by destination.

For transparency, the relevant supplier/product conditions may affect:

Return eligibility
Return address
Return shipping cost
Replacement availability
Refund processing
Shipping time
Other after-sales arrangements

Where appropriate, customers may be directed to the relevant third-party supplier or platform terms.

For reference:

Third-party policies may be updated independently of Fintech Shield. Where a third-party policy applies to a particular product or return arrangement, the applicable current supplier terms may be relevant to the handling of that transaction.

International Orders

Fintech Shield primarily targets customers in the United States, Canada, and Europe, while products may be available to customers in other countries where the relevant supplier provides shipping.

We do not currently sell or ship our Modalyst/AliExpress/Alibaba-based products to India.

Product availability and shipping destinations may vary by supplier and product.

Customers are responsible for providing an accurate delivery address and any other information required to complete delivery.

Customs, Duties and Import Taxes

International orders may be subject to:

Customs duties
Import taxes
VAT/GST
Brokerage or clearance charges
Other government or carrier fees

Unless expressly stated otherwise at checkout, such charges are generally the customer's responsibility.

Fintech Shield does not control the amount, timing, assessment, or collection of customs duties, taxes, or other charges imposed by the destination country or its authorities.

Customers are responsible for complying with applicable import requirements in their country.

Failed Delivery and Incorrect Addresses

Customers are responsible for providing a complete and accurate delivery address at checkout.

If an order cannot be delivered because of:

Incorrect address
Incomplete address
Incorrect postal code
Missing apartment/unit information
Customer refusal of delivery
Failure to collect a package
Other circumstances attributable to the customer

Additional shipping or return costs may apply, and any refund may be subject to the applicable supplier's policy and applicable law.

If you discover that your shipping address is incorrect, contact Fintech Shield as soon as possible. We will attempt to assist, but we cannot guarantee that an address can be changed after an order has entered fulfillment.

Lost, Delayed or Undelivered Orders

If an order is delayed, appears lost, or has not arrived within the applicable delivery period, please contact us with your order number.

We may investigate the shipment with the relevant supplier or shipping carrier.

Depending on the circumstances, we may request additional information or allow the carrier/supplier investigation to proceed before determining an appropriate resolution.

Where a package is confirmed lost or the applicable supplier/customer-protection process provides a remedy, Fintech Shield may arrange an appropriate replacement or refund, subject to applicable law and the relevant supplier arrangements.

Fraudulent or Abusive Return Requests

Fintech Shield reserves the right to investigate return and refund requests for signs of fraud, abuse, misuse, false information, manipulated evidence, repeated unreasonable claims, or other activity inconsistent with legitimate use of the return policy.

Examples may include:

Submitting false damage claims
Returning a different product
Returning an item that was materially used or damaged after delivery
Repeatedly abusing free-return arrangements
Providing manipulated photographs or videos
Using fraudulent tracking information
Claiming non-delivery when delivery has been confirmed

Where appropriate and permitted by law, Fintech Shield may refuse or restrict a fraudulent or abusive return request and may take other appropriate action. This does not affect legitimate consumer rights or remedies available under applicable law.

Product-Specific Return Conditions

Because Fintech Shield uses third-party suppliers, certain products may have specific return conditions.

Where a product listing or supplier arrangement provides a return condition that is more specific than this general policy, the product-specific condition may apply, subject to mandatory consumer rights.

Customers should review the product information and applicable return information before purchasing.

Google requires return information supplied to Merchant Center to accurately match the return policy displayed on the website and, where product-specific return policies are used, to match the applicable product policy.

Statutory Consumer Rights

This policy describes Fintech Shield's standard commercial return and refund procedures.

It does not exclude, restrict, or waive any mandatory consumer rights that cannot lawfully be excluded or restricted in the customer's jurisdiction.

For example, consumers in the European Union may have statutory rights relating to online purchases, including a 14-day withdrawal right for many distance purchases and legal remedies for goods that are faulty or do not conform to the contract. EU consumer rules also provide a minimum two-year legal guarantee for goods, subject to the applicable rules and exceptions.

Consumer protection rules can also vary across Canadian provinces and territories. Canada's Office of Consumer Affairs notes that many consumer complaints concerning goods, contracts, and purchases fall under provincial or territorial jurisdiction.

Accordingly, where mandatory local law provides a customer with rights or remedies that are more favorable than the standard terms in this policy, those mandatory rights will apply.

Policy Administration and Changes

Fintech Shield may update this Refund, Return & Cancellation Policy from time to time to reflect:

Changes to our store
Changes to suppliers or fulfillment arrangements
Changes to payment or shipping processes
Changes to applicable laws or regulations
Changes to Modalyst or supplier policies
Changes to Google Merchant Center requirements
Other operational requirements

The version applicable to an order will generally be determined by the policy in effect at the relevant time, subject to any mandatory legal requirements that apply to that transaction.

The Last Updated date at the top of this page indicates when this policy was most recently revised.

Contact Us

If you have a question regarding a return, refund, cancellation, replacement, or other store-related issue, please contact Fintech Shield through our Contact Us page.

When contacting us about an order, please include your:

Order number
Name used for the order
Product name
Relevant reason for contacting us
Supporting photographs or other information where applicable

We will review your request and provide further instructions where necessary.