Refund Policy

1. Overview

At Finlume, we are committed to providing valuable financial education and resources. This Refund Policy outlines the terms and conditions under which refunds may be requested and processed for any paid services, products, or materials offered through our website finlume.site.

Please read this policy carefully before making any purchase. By purchasing any product or service from Finlume, you acknowledge that you have read, understood, and agree to this Refund Policy.

2. Free Content and Resources

2.1 No-Cost Materials

The majority of our content is provided free of charge, including:

• White paper series on financial clarity
• Blog articles and educational content
• Email newsletters
• General financial information and resources

Refund Policy for Free Content: Since these materials are provided at no cost, no refunds are applicable. You may unsubscribe from email communications at any time.

3. Paid Products and Services

Should Finlume offer paid products or services in the future, the following refund terms will apply:

3.1 Digital Products

For digital products such as premium e-books, advanced courses, or specialized reports:

• 30-Day Money-Back Guarantee: You may request a full refund within 30 days of purchase if you are not satisfied with the product
• Conditions: The refund request must be made before substantial consumption of the content (e.g., viewing more than 50% of a course)
• Process: Refunds will be processed to the original payment method within 7-10 business days

3.2 Subscription Services

For ongoing subscription-based services (if offered):

• Trial Period: If a free trial is offered, you may cancel before the trial ends without charge
• Monthly Subscriptions: You may cancel at any time, but no refunds will be provided for the current billing period
• Annual Subscriptions: You may request a pro-rated refund for unused months if canceled within the first 60 days
• No Refunds After 60 Days: Annual subscriptions canceled after 60 days are not eligible for refunds

3.3 Consultation Services

For one-on-one consultation or advisory services (if offered):

• Cancellation: You may cancel or reschedule appointments with at least 48 hours notice without penalty
• No-Show Policy: Appointments missed without proper notice are not eligible for refunds
• Satisfaction Guarantee: If you are unsatisfied with a completed consultation, contact us to discuss resolution options

3.4 Live Events and Workshops

For paid webinars, workshops, or live events (if offered):

• Full Refund: Available if canceled more than 14 days before the event
• 50% Refund: Available if canceled 7-14 days before the event
• No Refund: If canceled less than 7 days before the event
• Transfer Option: You may transfer your registration to another person at any time

4. Non-Refundable Items

The following items are NOT eligible for refunds under any circumstances:

• Free content and resources downloaded or accessed
• Promotional or discounted items marked as "final sale"
• Services already rendered or consultations completed
• Digital products after substantial use (as defined in Section 3.1)
• Subscription fees after the applicable refund period has expired
• Third-party products or services purchased through our affiliate links

5. Refund Request Process

5.1 Required Information

To expedite your refund request, please provide:

• Full name and email address used for purchase
• Order or transaction number
• Date of purchase
• Detailed reason for requesting a refund
• Product or service name
• Any supporting documentation (if applicable)

5.2 Processing Time

Approved refunds are typically processed according to the following timeline:

• Review: 3-5 business days from receipt of request
• Processing: 7-10 business days after approval
• Bank Processing: Additional 3-5 business days depending on your financial institution
• Total Time: Approximately 2-3 weeks from request to credit appearing in your account

6. Exceptions and Special Circumstances

6.1 Technical Issues

If you experience technical problems accessing purchased content:

• Contact our support team immediately
• We will work to resolve the issue within 48 hours
• If unresolved, a full refund will be provided

6.2 Duplicate Purchases

If you accidentally make a duplicate purchase:

• Contact us within 7 days
• We will refund the duplicate charge immediately
• No questions asked

6.3 Unauthorized Charges

If you notice an unauthorized charge on your account:

• Report it immediately to [email protected]
• We will investigate and resolve within 48 hours
• Full refund provided if charge is confirmed as unauthorized

6.4 Extreme Circumstances

We understand that unforeseen circumstances occur. In cases of:

• Serious illness or medical emergency
• Death in the family
• Natural disasters
• Other extreme hardships

Please contact us to discuss your situation. We will work with you to find a fair resolution, which may include refunds outside our standard policy.

7. Chargebacks and Disputes

7.1 Contact Us First

Before initiating a chargeback with your bank or credit card company, please contact us directly. Most issues can be resolved quickly through direct communication.

7.2 Chargeback Consequences

If you initiate a chargeback:

• Your account access will be immediately suspended
• We will provide evidence to your financial institution
• Future purchases may be restricted
• We reserve the right to pursue the matter legally if the chargeback is fraudulent

7.3 Dispute Resolution

We are committed to fair dispute resolution:

• All concerns will be taken seriously
• We will work in good faith to resolve issues
• Documentation of all communications will be maintained

8. Modification of Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to the Site. Material changes will be communicated via:

• Email notification to registered users
• Prominent notice on our website
• Update to the "Last Updated" date

Note: Purchases made before policy changes will be governed by the policy in effect at the time of purchase.

9. Currency and Exchange Rates

All prices are listed in US Dollars (USD) unless otherwise specified. If you pay in a different currency:

• Refunds will be processed in the original currency paid
• Exchange rate fluctuations may result in receiving a slightly different amount
• We are not responsible for currency conversion fees charged by your bank
• Exchange rates at the time of refund processing will apply

10. Taxes and Fees

Regarding taxes and transaction fees:

• Original taxes will be refunded as part of the refund amount
• Payment processing fees (typically 2-3%) may not be refundable
• We are not responsible for fees charged by your financial institution
• International transaction fees are not refundable

11. Promotional Offers and Discounts

For purchases made with promotional codes or discounts:

• Refunds will be for the amount actually paid, not the original price
• Promotional codes cannot be reused if a refund is processed
• Bundle purchases will be refunded at the bundle price, not individual item prices
• Special offer terms may include specific refund limitations

12. Data and Content Retention

After a refund is processed:

• Your access to paid content will be revoked immediately
• Downloaded materials should be deleted from your devices
• Continued use of refunded content is prohibited
• We reserve the right to pursue legal action for unauthorized use of refunded content

13. Satisfaction Guarantee Conditions

Our satisfaction guarantee is subject to the following conditions:

• You must provide specific feedback about why you're unsatisfied
• You must have made a genuine effort to utilize the product or service
• Technical issues must be reported and given opportunity for resolution
• Refund requests must be made within the applicable timeframe
• All requested information must be provided promptly

14. Right to Refuse Refunds

We reserve the right to refuse refunds in cases of:

• Violation of our Terms and Conditions
• Fraudulent activity or abuse of refund policy
• Requests outside the applicable refund period
• Insufficient information provided
• Pattern of excessive refund requests
• Obvious attempt to obtain free access to paid content

15. Contact Information

16. Fair Use Commitment

At Finlume, we believe in fair treatment for both our customers and our business:

• We stand behind the quality of our products and services
• We will honor legitimate refund requests promptly and professionally
• We expect customers to use our refund policy in good faith
• We reserve the right to limit or refuse service to customers who abuse our policies

17. Questions and Clarifications

If you have questions about this Refund Policy or need clarification on any terms:

• Contact us before making a purchase
• Review our FAQ section on the website
• Request a copy of the policy applicable to your specific purchase
• Ask for clarification on any ambiguous terms

18. Governing Law

This Refund Policy is governed by the laws of the Netherlands. Any disputes arising from refund requests or policy interpretation shall be subject to the exclusive jurisdiction of the courts of the Netherlands, in accordance with our Terms and Conditions.

19. Acknowledgment

By making a purchase from Finlume, you acknowledge that:

• You have read and understood this Refund Policy
• You agree to the terms and conditions stated herein
• You understand the eligibility requirements and limitations
• You will follow the proper procedures for requesting refunds
• You accept that this policy may be modified as stated in Section 8

This Refund Policy is designed to be fair to both Finlume and our valued customers. We are committed to your satisfaction while maintaining the sustainability of our educational mission. If you have any questions or concerns, please don't hesitate to reach out.