Refund Policy.

Overview

Luminivor provides digital educational products and resources. Because these products may be delivered or made available digitally, refund requests can involve circumstances that differ from those associated with physical goods.

Our goal is to handle legitimate refund requests fairly and transparently while protecting customers and the integrity of our digital products.

Nothing in this Refund Policy is intended to exclude or limit rights that cannot legally be excluded under applicable consumer protection law.

Refund eligibility

A refund request may be considered when appropriate under the purchase conditions or applicable law.

Situations that may justify review include:

• an accidental duplicate purchase;
• a payment error that resulted in an incorrect charge;
• a digital product that cannot be accessed because of a verified delivery problem;
• a product that materially differs from the description presented at the time of purchase;
• circumstances where applicable law grants the customer a right to cancel or withdraw from the purchase.

Each request may be reviewed individually based on the information available.

Digital products

Unless clearly stated otherwise, products offered by Luminivor are digital and no physical item will be shipped.

Digital products may include e-books, guides, templates, downloadable files, learning resources or other forms of digital content.

The fact that a product is digital does not remove any mandatory consumer rights that apply to the transaction.

How to request a refund

To request a refund, contact our support team at:

To help us review your request, please include:

• your full name;
• the email address used for the purchase;
• the product purchased;
• an order or transaction reference, when available;
• a brief explanation of the reason for your request.

Refund processing

Once a refund request is received, we may review the order information and any relevant circumstances before making a decision.

If a refund is approved, it will normally be issued through the original payment method or payment provider used for the transaction.

The time required for the refunded amount to appear may depend on the payment provider, card issuer, bank or other financial institution involved.

Technical and access issues

If you cannot access or download a product, please contact us before assuming that a refund is necessary.

We may first attempt to resolve the issue by restoring access, providing a new download method or correcting a delivery problem.

If the issue cannot reasonably be resolved, the circumstances may be considered as part of a refund review.

Fraud, misuse and abuse

Refund requests may be denied where permitted by law if there is reasonable evidence of fraud, abuse or misuse of our products or refund process.

Examples may include unauthorized redistribution, resale, repeated abusive refund requests or attempts to obtain digital content without legitimate payment.

This provision does not restrict any mandatory legal rights available to consumers.

Consumer protection rights

Customers may have additional cancellation, withdrawal or refund rights under the laws applicable to their purchase.

For customers in Brazil, consumer protection legislation may provide a statutory right of withdrawal for certain purchases made outside a physical business establishment, including online purchases.

Where mandatory legal rights apply, those rights take priority over any conflicting provision of this policy.