Refund & Cancellation Policy

1. Digital Product Policy

All products sold on Formula Library are digital goods that are delivered instantly via email upon successful payment. Due to the immediate delivery and non-returnable nature of digital products:

• Once a digital product has been delivered to your email, it cannot be "returned"
• We encourage you to read product descriptions carefully before purchasing
• Contact us with any questions before completing your purchase

2. Refund Eligibility

We offer refunds under the following circumstances:

3. Refund Request Process

To request a refund:

1. Contact us within 7 days of your purchase via WhatsApp at +27 730 758 123
2. Provide the following information:
   • Your order/payment ID
   • Email address used for purchase
   • Product name
   • Reason for refund request
   • Any supporting documentation (screenshots of issues, etc.)
3. Wait for our response - We review all refund requests within 2-3 business days

4. Refund Timeline

If your refund is approved:

• Processing time: 2-3 business days to review and approve
• Refund method: Original payment method used for purchase
• Bank processing: 5-10 business days for the refund to appear in your account
• Currency: Refunds are issued in the same currency as the original transaction

5. Subscription Cancellation

For subscription plans:

• Monthly subscriptions: Cancel anytime before the next billing cycle
• Yearly subscriptions: Prorated refunds may be available within the first 30 days
• Access continues: You retain access until the end of your paid period
• No partial refunds: After 30 days, yearly subscriptions are non-refundable

To cancel your subscription, contact us via WhatsApp at +27 730 758 123.

6. Chargebacks

We strongly discourage initiating chargebacks with your bank or credit card company before contacting us directly. Filing a chargeback:

• May result in immediate account suspension
• Takes longer to resolve than working with us directly
• May affect your ability to make future purchases

Please give us the opportunity to resolve any issues first. We are committed to customer satisfaction.

7. Exchanges

If you purchased the wrong product, we may offer an exchange for a product of equal or lesser value. Contact us within 48 hours of purchase to request an exchange.

8. Customer Support

Before requesting a refund, we encourage you to contact our support team. Many issues can be resolved without needing a refund:

• Technical assistance with accessing your products
• Clarification on product content
• Re-sending download links
• Guidance on using the formulas

9. Policy Updates

We reserve the right to modify this refund policy at any time. Changes will be posted on this page with an updated "Last Updated" date. Purchases made before policy changes will be subject to the policy in effect at the time of purchase.