RETURN & REFUND POLICY - 

Last Updated: September 9, 2025

Company Information:

• Company Name: NoCap Pay Limited 
• Address: 50 Bonham Strand, Sheung Wan, Hong Kong
• Website: https://ummashield.com/
• Email: contact@ummashield.com

1. OVERVIEW

At Umma Shield, we want you to be completely satisfied with your purchase. This Return & Refund Policy outlines the terms and conditions for returns, exchanges, and refunds for all products purchased from our online store.

By making a purchase, you agree to the terms outlined in this policy.

2. RETURN ELIGIBILITY

General Return Conditions

To be eligible for a return, items must meet ALL of the following criteria:

• Returned within 30 days of delivery date
• Items must be unused, unworn, and in original condition
• All original tags and labels must be attached
• Items must be in original packaging when possible
• Must include proof of purchase (order number or receipt)

Items Eligible for Return

• Men's, Women's, and Kids' athletic wear
• Jerseys and sports apparel
• Running and gym accessories
• General accessories

Items NOT Eligible for Return

For hygiene and safety reasons, the following items cannot be returned:

• Prayer mats (due to hygiene considerations)
• Undergarments and intimate apparel
• Swimwear (unless defective)
• Personalized or customized items
• Items on final sale or clearance (marked as such)
• Gift cards or digital products
• Items damaged by misuse or normal wear

3. RETURN PROCESS

Step 1: Contact Customer Service

Before returning any item, you must contact us first:

• Email: contact@ummashield.com
• Subject: Return Request - Order #[Your Order Number]
• Include: Order number, item(s) to return, reason for return, and photos if defective

Step 2: Receive Return Authorization

• We will review your request within 2-3 business days
• If approved, you will receive a Return Merchandise Authorization (RMA) number
• No returns will be accepted without an RMA number
• RMA numbers are valid for 14 days from issue date

Step 3: Package and Ship

• Securely package items in original packaging when possible
• Include RMA number on package exterior
• Include copy of original order confirmation
• Use trackable shipping method for your protection

Return Shipping Address

Umma Shield Returns Department
50 Bonham Strand
Sheung Wan, Hong Kong
RMA #: [Your RMA Number]

4. RETURN SHIPPING COSTS

Customer Responsibility

• Customers are responsible for return shipping costs unless item is defective or wrong item was sent
• We recommend using trackable and insured shipping methods
• Risk of loss during return shipping is borne by customer

Our Responsibility

We will cover return shipping costs when:

• Item received is defective or damaged
• Wrong item was shipped
• Item significantly differs from product description

International Returns

• International customers responsible for all return shipping costs and customs fees
• Items must clear customs and reach us within RMA validity period
• Additional customs duties or fees for returned items are customer's responsibility

5. REFUND PROCESSING

Inspection Process

• Items are inspected within 3-5 business days of receipt
• Items must meet all return eligibility criteria
• Photos may be taken for quality control purposes
• Damaged or excessively worn items may be rejected

Refund Timeline

• Approved refunds processed within 5-7 business days after inspection
• Refund method: Original payment method used for purchase
• Credit card refunds: May take additional 3-10 business days to appear on statement
• PayPal refunds: Typically appear within 24-48 hours

Refund Amounts

• Full purchase price refunded for eligible items
• Original shipping costs are non-refundable (unless our error)
• Return shipping costs are deducted from refund (unless our error)
• Restocking fee of 15% may apply to opened electronic items or special orders

6. EXCHANGES

Exchange Policy

• Exchanges are treated as return + new purchase
• Original item must be returned following standard return process
• New item will be shipped once return is received and processed
• Customer pays shipping for both return and new shipment (unless our error)

Size Exchanges

• Size exchanges follow same process as returns
• New size subject to availability
• If desired size unavailable, full refund will be processed

Color/Style Exchanges

• Limited to same product in different color/style
• Subject to availability and price differences
• Additional charges apply if new item costs more
• Partial refund if new item costs less

7. DEFECTIVE OR DAMAGED ITEMS

Reporting Defects

• Report defective or damaged items within 48 hours of delivery
• Email contact@ummashield.com with:
  • Order number
  • Clear photos of defective/damaged item
  • Description of the issue
  • Photos of packaging if damage appears shipping-related

Resolution Options

For verified defective/damaged items, we offer:

• Full refund including original and return shipping costs
• Free replacement (if available)
• Partial refund for minor defects (with customer agreement)

Our Quality Commitment

• We stand behind the quality of our products
• Manufacturing defects are covered at no cost to customer
• We work with suppliers to prevent quality issues

8. WRONG ITEM SHIPPED

Our Error Resolution

If we ship the wrong item:

• We cover all return shipping costs
• We ship correct item at no charge
• Priority processing for wrong item corrections
• Expedited shipping may be provided for urgent orders

Reporting Process

• Contact us immediately upon receiving wrong item
• Do not return item without authorization
• Keep all packaging materials for investigation

9. LATE OR MISSING REFUNDS

If You Haven't Received Your Refund

1. Check your bank account - Processing times vary by financial institution
2. Contact your credit card company - Posting may be delayed
3. Contact your bank - Additional processing time may be required
4. Contact us at contact@ummashield.com if still not received after above steps

Refund Tracking

• We provide refund confirmation emails with transaction IDs
• Keep these for your records
• Contact us if you need additional documentation

10. SPECIAL CIRCUMSTANCES

Holiday Returns

• Items purchased during holiday seasons may have extended return periods
• Specific dates and extensions will be announced on website
• All other terms and conditions remain the same

Bulk Orders

• Orders of 10+ items may have modified return terms
• Contact customer service for bulk order return procedures
• Restocking fees may apply to large returns

Promotional Items

• Items received free with purchase may need to be returned with main item
• Free gift value may be deducted from refund if not returned
• Promotional discounts may affect refund calculations

11. NON-RETURNABLE SITUATIONS

Return Denial Reasons

Returns may be denied if:

• Items returned after 30-day window
• Items show signs of wear or damage
• Missing tags, labels, or packaging
• No RMA number on package
• Items not on eligible return list
• Fraudulent return attempt detected

Denied Return Process

• Items will be returned to customer at customer's expense
• Email notification sent explaining denial reason
• Photos of returned items provided for reference
• Customer may appeal decision with additional information

12. REFUND EXCEPTIONS

Final Sale Items

• Items marked "Final Sale" cannot be returned
• Clearance items may be final sale (clearly marked)
• All sales final on items over 50% off (unless defective)

Gift Purchases

• Refunds processed to original purchaser's payment method
• Gift recipients can exchange for store credit
• Gift purchaser must authorize refunds over certain amounts

13. INTERNATIONAL CUSTOMERS

Additional Considerations

• Customs duties paid by customer are non-refundable
• Return shipping must be declared properly at customs
• Extended transit times may affect RMA validity
• Currency exchange fluctuations may affect refund amounts

Documentation Required

• Customs forms must be completed accurately
• Declare actual item value for customs
• Include all original documentation

14. CUSTOMER SERVICE

Contact Information

For all return and refund inquiries:

Umma Shield Customer Service

• Email: contact@ummashield.com
• Subject Line: Return/Refund Request - Order #[Number]
• Response Time: Within 24-48 hours during business days
• Phone: [Your Phone Number] (if available)
• Business Hours: [Your Business Hours]

What to Include in Return Requests

• Full name and order number
• Email address used for purchase
• Item(s) you wish to return
• Reason for return
• Photos (if defective or damaged)
• Preferred resolution (refund/exchange)

15. POLICY UPDATES

Changes to Policy

• This policy may be updated periodically
• Changes become effective immediately upon posting
• Email notifications sent for significant changes
• Check website for most current version

Grandfathering

• Returns initiated before policy changes follow previous terms
• New purchases subject to current policy terms

16. LEGAL DISCLAIMERS

Limitation of Liability

• Our liability limited to purchase price of returned items
• Not responsible for consequential or indirect damages
• Some jurisdictions may not allow these limitations

Dispute Resolution

• Return disputes handled through customer service first
• Unresolved disputes subject to Terms of Service provisions
• Hong Kong law governs return policy disputes

IMPORTANT NOTICE: This return policy is designed to provide fair and transparent guidelines for returns while protecting both customers and our business. Please read this policy carefully before making a purchase. If you have questions about returns, contact us at contact@ummashield.com before initiating a return.

Remember: Always contact customer service before returning any item to ensure smooth processing and avoid delays.