Our products are digital research reports, delivered electronically and downloaded by the buyer immediately upon payment. As a matter of standard policy, all sales are final once delivery has been initiated. We do not offer refunds for change of mind, for the buyer's view of the content following review, or for buyer error in selecting the wrong product.

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, consumers in the United Kingdom ordinarily have a 14-day right to cancel a distance contract. That right does not apply to contracts for the supply of digital content where supply has begun with the consumer's prior express consent and the consumer has acknowledged that the right to cancel will be lost (Regulation 37(1)).

By proceeding to download a product, or by ticking the relevant acknowledgement at checkout, you give that consent. From that point, the right to cancel under the Regulations is lost.

Notwithstanding the general position, we will issue a refund in the following circumstances:

• Technical failure on delivery: where the file you have purchased cannot be delivered, or has been delivered in a corrupted or unreadable form, and we are unable to remedy the issue by re-delivering the file within a reasonable period of you contacting us.
• Duplicate or accidental charge: where you have been charged twice for the same product as a result of a payment processing error, or where a charge has been made in clear error (for example, where you have purchased a product you already own).
• Misrepresentation: where the product as delivered is materially different from the description on the product page in a way that goes to the substance of what was offered. A buyer's disagreement with our analysis or conclusions does not constitute misrepresentation.
• Statutory rights: where applicable consumer protection law requires us to issue a refund notwithstanding the general position above. Nothing in this Policy limits or excludes any right that cannot be limited or excluded under applicable law.

To request a refund, please email effizia@outlook.com within 14 days of your purchase, including:

•  Your order number and the email address used at checkout;
• A description of the issue, including any error messages or screenshots where relevant;
• In the case of duplicate charges, evidence of both transactions.

We will acknowledge your request within five business days and will work in good faith to resolve the issue. Where a refund is appropriate, it will be processed via the original payment method within 14 days of agreement, subject to the processing timelines of the relevant payment provider.

Where there is reasonable evidence that a buyer has shared, redistributed or onward-licensed a product in breach of our Terms of Service, we reserve the right to decline any refund request and to revoke the licence to use the product. Refunds are not available in such cases regardless of the original ground on which they are requested.

All refund requests and queries should be directed to effizia@outlook.com.