Refund Policy

1. General rule for digital purchases

Because a digital book cannot be physically returned and may remain in a purchaser’s possession after delivery, purchases are generally final and nonrefundable once the product has been successfully delivered, accessed, or downloaded. Exceptions are available for the specific circumstances described below and when required by applicable law.

2. Circumstances eligible for review

DJW Publishing will review a timely refund request involving:

• a duplicate charge or duplicate purchase;
• delivery of the incorrect digital product;
• a corrupted, incomplete, or unreadable file that cannot be corrected with a replacement;
• a download or delivery failure that cannot be resolved through reasonable technical assistance;
• an unauthorized transaction, subject to reasonable verification; or
• a refund or remedy required by applicable law.

Submitting a request does not automatically guarantee a refund. DJW Publishing will evaluate the order information, product-delivery status, reported problem, available corrective measures, and applicable requirements.

3. Requests that are not normally refundable

A refund will not normally be issued for:

• a change of mind, buyer’s remorse, or an accidental purchase reported after successful delivery;
• failure to read the product description or format information before purchase;
• dissatisfaction with the subject matter, writing style, or educational content after access or download;
• an expectation that the book would guarantee credit improvement, financing approval, a profitable transaction, investment results, or business success;
• device or software incompatibility when the supplied PDF file is functional and the PDF format was disclosed before purchase;
• loss or accidental deletion of the file after successful delivery; or
• refusal to participate in reasonable troubleshooting or accept a replacement file or download link.

When a purchaser loses or deletes a functional file, DJW Publishing may provide reasonable assistance or replacement access rather than a refund.

4. Seven-day request period

Unless applicable law requires a different period, a refund or technical-delivery request must be submitted within seven calendar days after the purchase date. A request received after that period may be reviewed at DJW Publishing’s discretion but is not guaranteed consideration.

5. How to request assistance or a refund

Email john@djwpublishing.net and include:

• the purchaser’s name;
• the email address used for the purchase;
• the Payhip order or transaction number, if available;
• the purchase date;
• a description of the problem; and
• relevant screenshots or error messages, when applicable.

Do not send a payment-card number, bank-account number, password, or other unnecessary sensitive information.

6. Troubleshooting and replacement

When the problem concerns delivery, file access, corruption, or readability, DJW Publishing may first attempt to resolve it by confirming the purchase, providing instructions, issuing a replacement link, or supplying a replacement copy. A refund may be considered if the qualifying problem cannot be corrected within a reasonable time.

7. Approved refunds

An approved refund will be submitted through Payhip or the applicable payment processor to the original payment method. Processing time after approval is controlled by the payment provider and the purchaser’s financial institution. DJW Publishing cannot direct a refund to a different person, account, card, or payment method.

8. Unauthorized transactions

If you believe a purchase was unauthorized, contact DJW Publishing promptly and notify the relevant payment provider or financial institution when appropriate. DJW Publishing may request sufficient information to identify and investigate the transaction but will not request your complete payment-card or bank-account number by email.

9. Nonwaivable consumer rights

Nothing in this policy limits a refund, repair, replacement, cancellation, or other consumer right that cannot lawfully be excluded or waived. Where applicable law provides greater protection, that law controls.

10. Changes to this policy

DJW Publishing may update this policy to reflect changes in the product, sales process, service providers, or applicable requirements. The policy in effect when a purchase is completed will govern that transaction unless applicable law requires otherwise.

11. Contact