{"id":1056,"date":"2026-05-21T03:27:33","date_gmt":"2026-05-21T03:27:33","guid":{"rendered":"https:\/\/kokhawan.com\/?page_id=1056"},"modified":"2026-05-21T03:27:33","modified_gmt":"2026-05-21T03:27:33","slug":"refund-policy","status":"publish","type":"page","link":"https:\/\/kokhawan.com\/zh\/refund-policy\/","title":{"rendered":"Refund Policy"},"content":{"rendered":"<section class=\"vc_row vc_custom_1737683725413 liquid-row-shadowbox-6a1510896ebc0\"><div class=\"ld-container container\"><div class=\"row ld-row ld-row-outer\"><div class=\"wpb_column vc_column_container vc_col-sm-12 liquid-column-6a1510896fa1a\"><div class=\"vc_column-inner\" ><div class=\"wpb_wrapper\"  ><style>.ld_fancy_heading_6a1510896fbd0 h3{color:rgb(2, 6, 111);}.ld_fancy_heading_6a1510896fbd0 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}<\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a1510896fbd0\">\n\t<h3 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Refund Policy<\/h3><\/div><style>.ld_fancy_heading_6a1510897002a div {font-weight:600; } .ld_fancy_heading_6a1510897002a .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a1510897002a div {font-weight:600; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a1510897002a\">\n\t<div class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Effective Date: 16 Jan 2026<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"vc_row liquid-row-shadowbox-6a151089703e5\"><div class=\"ld-container container\"><div class=\"row ld-row ld-row-outer\"><div class=\"wpb_column vc_column_container vc_col-sm-12 liquid-column-6a151089706c5\"><div class=\"vc_column-inner\" ><div class=\"wpb_wrapper\"  ><div class=\"vc_row vc_inner vc_row-fluid vc_custom_1776392389803 liquid-row-shadowbox-6a15108970d98 vc_row-has-fill\"><div class=\"ld-container container-fluid\"><div class=\"row ld-row ld-row-inner\"><div class=\"wpb_column vc_column_container vc_col-sm-12 liquid-column-6a151089716c4\"><div class=\"vc_column-inner\" ><div class=\"wpb_wrapper\" ><style>.ld_fancy_heading_6a1510897186e p {margin-bottom:20px !important;  } .ld_fancy_heading_6a1510897186e .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a1510897186e p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a1510897186e\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Welcome to Ko-Khawan. This Refund Policy outlines the terms and conditions governing refunds related to the use of the Ko-Khawan mobile application and related services.<\/span><\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a151089722cf h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a151089722cf .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a151089722cf h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a151089722cf\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  1. General Policy<\/h5><\/div><style>.ld_fancy_heading_6a15108972531 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a15108972531 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a15108972531 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a15108972531\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Ko-Khawan primarily serves as an informational and member-access platform for koperasi members to view savings information, updates, contribution records, and related member services.<\/span><\/p>\n<p><span style=\"font-weight: 400\">All transactions, contributions, savings, and koperasi-related financial activities are subject to the policies, approvals, and management decisions of the respective koperasi.<\/span><\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a15108972b37 h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a15108972b37 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a15108972b37 h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a15108972b37\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  2. Non-Refundable Transactions<\/h5><\/div><style>.ld_fancy_heading_6a15108972d8c p {margin-bottom:20px !important;  } .ld_fancy_heading_6a15108972d8c .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a15108972d8c p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a15108972d8c\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Unless otherwise stated by the koperasi, the following are generally non-refundable:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Membership registration fees<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Administrative or processing fees<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Savings contributions already processed<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Subscription or service-related charges<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Any completed or approved financial transaction<\/span><\/li>\n<\/ul>\n<p><\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a1510897344a h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a1510897344a .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a1510897344a h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a1510897344a\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  3. Refund Eligibility<\/h5><\/div><style>.ld_fancy_heading_6a15108973697 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a15108973697 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a15108973697 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a15108973697\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Refund requests may only be considered under the following circumstances:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Duplicate payment or accidental duplicate transaction<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Incorrect transaction amount caused by system error<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Unauthorized transaction subject to verification<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Technical issues resulting in unsuccessful transaction processing but payment deduction occurred<\/span><\/li>\n<\/ul>\n<p><\/p><\/div><style>.ld_fancy_heading_6a15108973a1b p {margin-bottom:20px !important;  } .ld_fancy_heading_6a15108973a1b .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a15108973a1b p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a15108973a1b\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">All refund requests are subject to review and approval by the koperasi and\/or the relevant payment provider.<\/span><\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a15108973f7d h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a15108973f7d .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a15108973f7d h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a15108973f7d\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  4. Refund Request Process<\/h5><\/div><style>.ld_fancy_heading_6a151089741b7 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a151089741b7 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a151089741b7 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a151089741b7\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">To request a refund, members must contact the koperasi administration or support team with the following details:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Full name<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Registered mobile number or member ID<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Transaction reference number<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Date and amount of transaction<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Reason for refund request<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Supporting documents or payment proof (if applicable)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400\">Incomplete requests may result in delays or rejection.<\/span><\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a15108974861 h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a15108974861 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a15108974861 h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a15108974861\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  5. Refund Processing Time<\/h5><\/div><style>.ld_fancy_heading_6a15108974aa3 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a15108974aa3 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a15108974aa3 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a15108974aa3\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Approved refunds may take approximately 7 to 14 business days to be processed, depending on the payment channel, financial institution, or internal verification process.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Processing timelines may vary and are not guaranteed.<\/span><\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a1510897501b h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a1510897501b .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a1510897501b h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a1510897501b\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  6. Koperasi Decisions and Responsibilities<\/h5><\/div><style>.ld_fancy_heading_6a15108975258 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a15108975258 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a15108975258 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a15108975258\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">All savings returns, payouts, member benefits, or financial distributions are solely determined and managed by the koperasi.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Ko-Khawan does not guarantee any financial return, payout amount, or distribution schedule and shall not be responsible for refund requests related to koperasi decisions or financial performance.<\/span><\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a151089757cc h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a151089757cc .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a151089757cc h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a151089757cc\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  7. Right to Reject Refunds<\/h5><\/div><style>.ld_fancy_heading_6a15108975a0e p {margin-bottom:20px !important;  } .ld_fancy_heading_6a15108975a0e .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a15108975a0e p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a15108975a0e\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Ko-Khawan and\/or the koperasi reserve the right to reject refund requests that:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Violate koperasi policies<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Contain incomplete or inaccurate information<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Are suspected to involve fraud, abuse, or unauthorized activity<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Relate to completed and valid transactions<\/span><\/li>\n<\/ul>\n<p><\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a1510897606a h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a1510897606a .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a1510897606a h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a1510897606a\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  8. Changes to This Refund Policy<\/h5><\/div><style>.ld_fancy_heading_6a15108976295 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a15108976295 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a15108976295 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a15108976295\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">We may update or revise this Refund Policy from time to time without prior notice. Continued use of the platform after updates constitutes acceptance of the revised policy.<\/span><\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a151089767f9 h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a151089767f9 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a151089767f9 h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a151089767f9\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  9. Binding with KKW Nomination Declaration and T&amp;C Acknowledgement<\/h5><\/div><style>.ld_fancy_heading_6a15108976a1d p {margin-bottom:20px !important;  } .ld_fancy_heading_6a15108976a1d .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a15108976a1d p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a15108976a1d\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">This Refund Policy is read together with, and forms an integral part of, the Ko-Khawan (KKW) Nomination Declaration and T&amp;C Acknowledgement). In the event of any conflict, the KKW T&amp;C shall prevail except where this Refund Policy provides more specific terms. Acceptance of the KKW T&amp;C constitutes acceptance of this Refund Policy<\/span><\/p><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span  class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span  class=\"vc_sep_line\"><\/span><\/span>\n<\/div><style>.ld_fancy_heading_6a15108976f6a h5 {margin-bottom:20px !important;  } .ld_fancy_heading_6a15108976f6a .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a15108976f6a h5 {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a15108976f6a\">\n\t<h5 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  10. Contact Us<\/h5><\/div><style>.ld_fancy_heading_6a151089772a4 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a151089772a4 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a151089772a4 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a151089772a4\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  For refund-related inquiries, please contact:<\/p><\/div><style>.ld_fancy_heading_6a151089774e3 p {margin-bottom:20px !important;  } .ld_fancy_heading_6a151089774e3 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_6a151089774e3 p {margin-bottom:20px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_6a151089774e3\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Email: <a href=\"mailto:dev@kokhawan.com\">dev@kokhawan.com<\/a><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>","protected":false},"excerpt":{"rendered":"Refund Policy Effective Date: 16 Jan 2026 Welcome to Ko-Khawan. This Refund Policy outlines the terms and conditions governing refunds related to the use of the Ko-Khawan mobile application and related services. 1. General Policy Ko-Khawan primarily serves as an informational and member-access platform for koperasi members to view savings information, updates, contribution records, and [...]","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1056","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Refund Policy - Building wealth through trust and opportunity | Ko-Khawan<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kokhawan.com\/zh\/refund-policy\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Refund Policy - Building wealth through trust and opportunity | Ko-Khawan\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kokhawan.com\/zh\/refund-policy\/\" \/>\n<meta property=\"og:site_name\" content=\"Building wealth through trust and opportunity | Ko-Khawan\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kokhawan.com\/wp-content\/uploads\/2024\/12\/metadata-1200x675-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1013\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u9884\u8ba1\u9605\u8bfb\u65f6\u95f4\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 \u5206\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/kokhawan.com\/refund-policy\/\",\"url\":\"https:\/\/kokhawan.com\/refund-policy\/\",\"name\":\"Refund Policy - 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