Refund & Cancellation Policy

This Refund & Cancellation Policy explains when and how customers may be eligible to request a refund for products and services sold or processed by Luminous Digital and its partners.

1. General Overview

By purchasing any product, subscription, or service through our platforms or payment partners, you agree to this Refund & Cancellation Policy. This policy applies to all digital products, subscriptions, and services unless a specific offer clearly states different terms on its sales page.

2. Digital Products

Our products are primarily digital and instantly delivered (such as online courses, e-books, memberships, and digital tools). Because access is granted immediately, we generally do not offer refunds after the product has been delivered, except in the following situations:

• You were charged more than once for the same order (duplicate payment).
• You experienced a clear technical issue that prevented access to the product and our support team was unable to resolve it within a reasonable time.
• A specific product clearly advertised a money-back guarantee with a defined period and conditions.

3. Money-Back Guarantees (When Applicable)

Some offers may include a money-back guarantee (for example, “7-day guarantee” or “30-day guarantee”). When this is explicitly stated on the sales page, the following rules apply:

• The refund request must be made within the guarantee period counted from the date of purchase.
• You may be asked to provide proof that you tried to use the product (for example, completed lessons, exercises, or materials).
• If the guarantee conditions are not met, your request may be declined.

4. Subscriptions & Recurring Payments

For subscriptions (such as memberships, software access, or recurring billing), you may cancel at any time to stop future charges.

• Cancellation becomes effective at the end of the current billing period.
• We do not issue refunds for partially used billing periods, except where required by law or when clearly stated otherwise in the offer.

5. Non-Refundable Situations

Refunds will generally not be granted in the following cases:

• Change of mind after purchase without any product issue.
• Failure to use or access the product due to not reading the instructions provided.
• Requests made after the guarantee or refund period has expired.
• Attempted fraud, abuse of refund policies, or excessive refund history.

6. Chargebacks & Disputes

If you have any issue with your purchase, we strongly recommend contacting our support team before opening a dispute or chargeback with your bank or payment provider.

Unjustified or fraudulent chargebacks may result in immediate termination of access to all products and services and may impact your ability to purchase from us again in the future.

7. How to Request a Refund

To request a refund or to ask about the status of your purchase, please contact our support team using the information below:

• Email: support@luminousdigitalbr.com
• Include your full name, purchase e-mail address, order ID (if available), and a brief explanation of your request.

Our team will review your request based on this Policy and respond within a reasonable timeframe, usually within 3–5 business days.

8. Policy Updates

We reserve the right to update or modify this Refund & Cancellation Policy at any time. Changes will become effective when posted on this page. We recommend reviewing this Policy periodically to stay informed about the current terms.

Questions: If you have any questions about this policy, please contact us at support@luminousdigitalbr.com.