This is not the terms and conditions but it gives you a good indication of the situation.
Because visas and embassies can be somewhat of a law unto themselves we want to make sure you understand where you stand. It's not the same as just buying something. You are paying for the Embassies to CONSIDER giving you a visa. This means if the mood takes them not to give you a visa, you don't get one. And they keep your money. Sometimes there are other ways to get a visa after you have been turned down but it will always involve coughing up more money unfortunately.
Embassies occasionally make mistakes for which, you've guessed it, they can charge you to rectify.
Having said all that we process many thousands of visas and the number of problems is very low and we have a few sneaky tricks to make sure it stays low. If we make a mistake on our side of things we will make sure we get you the correct visa and we'll pay all the embassy costs as well. You should make sure you don't book any part of your travel that can't be changed at no cost until you have your visas all sorted as we can't be held responsible for these costs and your insurance company is unlikely to pay out either.
If you use The Visa Machine, you will have to agree to some terms and conditions in order for us to go ahead with your visa applications because of all the uncertainties that visas can bring up.