Refund Policy

Our Commitment

We want you to be completely satisfied with your purchase. This policy explains when refunds are available, how to request one, and what to expect.

1. Refund Eligibility

✅ ELIGIBLE for Full Refund ($99)

Critical rule: Refunds ONLY available if you have NOT accessed premium content.

❌ NOT ELIGIBLE for Refund

2. EU Digital Content Waiver

Why can't I get a refund after accessing content?

Legal basis: EU Directive 2011/83/EU Article 16(m)

EU consumer law allows businesses to waive the 14-day cooling-off period for digital content IF:

1. User gives prior express consent (you check a box at checkout)
2. User acknowledges losing withdrawal right
3. Content delivery begins immediately upon purchase

How we implement this

At Polar.sh checkout, you'll see:

What this means

• BEFORE accessing content: Full 14-day EU refund right applies

• AFTER accessing content: Refund right waived (you explicitly agreed)

How we track: Server logs record which principles you've viewed (timestamp, session ID). This is evidence for refund decisions.

3. How to Request a Refund

Step 1: Submit Request

Subject line: Refund Request - Order #[YOUR_POLAR_ORDER_ID]

Include in email:

• Full name (as appears on payment)
• Email used for purchase
• Polar.sh order ID (from receipt email)
• Reason for refund request
• Purchase date

Initial response: 2-3 business days (acknowledgment email)

Step 2: Review & Verification (2-5 Business Days)

We check:

1. Does order exist in Polar.sh?
2. Did user access premium content? (server logs)
3. Within refund window? (14 days EU / 7 days non-EU)
4. Any account violations? (scraping, sharing, chargebacks)

Decision criteria:

• APPROVE if: No content accessed, within window, no violations, technical issue

• DENY if: Content accessed (1+ principles viewed), outside window, violations detected

Step 3: Processing (3-5 Business Days)

If approved:

1. We initiate refund in Polar.sh dashboard
2. Polar.sh processes via Stripe Connect
3. Stripe refunds original payment method
4. You receive email confirmation

Account changes:

• Premium access revoked immediately
• Account downgraded to Free tier
• Access to free principles (6 out of 112) restored

Step 4: Bank Processing (5-10 Business Days)

Refund appears in your account based on payment method:

Total timeline: 10-17 business days (request → money in bank)

4. Partial Refunds

We do NOT offer partial refunds.

Why? Lifetime access is all-or-nothing:

• You either have access to all 112 principles ($99)
• Or you have access to 6 free principles ($0)

No refunds for:

• "I only used 10 principles" - You paid for access, not per-principle usage
• "I only used it for 1 month" - It's lifetime access, not monthly subscription

5. Chargebacks vs. Refunds

What is a Chargeback?

A chargeback is when you dispute a charge directly with your bank/credit card company instead of requesting a refund from us.

Common reasons people file chargebacks:

• Fraud (card stolen, unauthorized purchase)
• Service not provided (paid but no access)
• Dissatisfaction (unhappy with product)

❌ Consequences of Filing a Chargeback

If you file a chargeback instead of contacting us:

1. Account permanently terminated
   • Immediate loss of all access (free + premium)
   • Cannot create new account (email/payment method banned)
2. Payment method blacklisted
   • Cannot repurchase with same card/PayPal
   • Flagged in Polar.sh / Stripe system
3. Dispute evidence submitted to bank
   • Server logs showing content access
   • Checkout consent checkbox screenshot
   • Email confirmations (Terms + Refund Policy links)
4. Bank reviews evidence
   • If content accessed: Chargeback likely denied (you lose dispute + account stays banned)
   • If you win chargeback: You keep money BUT account stays permanently banned
5. Potential legal action for repeat offenders or commercial abuse cases

✅ When to File a Chargeback (Legitimate Cases Only)

File a chargeback if:

• You did NOT purchase (fraudulent charge, card stolen)
• You paid but received ZERO access (technical failure + we're unresponsive)
• We're unresponsive to refund request (30+ days no reply)

Do NOT file a chargeback if:

• You accessed content and want refund (contact us first)
• You "changed your mind" (follow refund process above)
• You're unhappy with content (contact us - we'll work it out)

6. Regional Refund Policies

Our refund policy varies by region based on local consumer protection laws:

If your country isn't listed: Email refunds@uxuiprinciples.com - we'll work with you.

7. Technical Issues & Access Problems

If you paid but cannot access premium content:

Common issues

• Magic Link email not received (check spam folder)
• Login loop (clear browser cookies, try incognito mode)
• Premium access not showing (wait 5 minutes for Polar.sh webhook)
• Payment successful but no email confirmation

How we help

1. Contact us immediately: refunds@uxuiprinciples.com or LinkedIn
2. We investigate: Check Polar.sh order, Supabase account status
3. We fix: Grant manual access OR process full refund (your choice)
4. Response time: 1-2 business days for technical issues

8. Changes to This Policy

We may update this Refund Policy when:

• Polar.sh changes their refund process
• EU laws change (e.g., new Digital Services Act requirements)
• We detect abuse patterns (e.g., increase in "read-and-refund" fraud)
• Payment processor changes (e.g., move from Polar.sh to Stripe direct)

Material changes: 30-day email notice before changes take effect

Minor updates: Update "Last Updated" date only

9. Contact Us

For refund-related questions:

Response times:

• Refund requests: 2-3 business days (initial response)
• Technical issues: 1-2 business days
• General questions: 2-3 business days

Legal Information

Important Legal References

• EU Consumer Rights Directive: eur-lex.europa.eu
• Article 16(m) - Digital Content Exception: eur-lex.europa.eu
• Polar.sh Refund Documentation: docs.polar.sh
• Stripe Refund Timing: stripe.com

For more information, see Privacy Policy, Terms of Service, Cookie Policy.