Refund Policy

This Refund Policy applies to the digital products and related services sold by BizCircle Club ("we", "us", "our") through platforms such as ClickBank, JVZoo, Gumroad and other marketplaces. It forms part of our Terms and Conditions. Please read it, and the product page, before you buy.

1. Refund Terms Differ for Each Product and Service

We do not have one fixed refund policy for everything we sell. Refund terms differ from product to product and from service to service. Some may be refundable for a set number of days, some for a different period, and some may not be refundable at all.

The refund terms that apply to your purchase are the ones shown on that product's or service's sales page, checkout page or marketplace listing at the time you buy. Please check them before you pay. They apply from the purchase date shown on your receipt or order confirmation. If a listing does not state any refund terms, the refund policy of the platform where you bought the product applies.

Platforms such as ClickBank, JVZoo and Gumroad have their own rules, and some set a minimum or default refund period for sales made through them. Where a platform's rules give you a longer or better refund right than the listing states, including where a platform does not allow a product to be sold as non-refundable, the platform's rule applies to your purchase.

2. How to Request a Refund

• Where your product or service is refundable, request the refund from the platform where you bought it, through that platform's support or refund process. Your receipt or order confirmation shows which platform you bought from.
• Include your order or receipt number and the email address used for the purchase.
• If you bought through an affiliate's link, the same refund terms apply and you request your refund in the same way, from the platform where you bought. Affiliates cannot promise refund terms that differ from the listing, and a refund may reverse the affiliate's commission.
• Make your request within the refund period stated for that product or service.
• The platform's own refund policy also applies, and the more favourable terms for you apply. We approve valid requests, and the platform processes the refund.
• Requests sent anywhere else, such as social media or by chargeback, may not be recognised as refund requests.

3. What Is Not Refundable

• Products and services sold as non-refundable, where this is clearly stated before you pay and the platform and the law allow it.
• Requests made after the refund period stated for that product or service.
• Copies bought from unauthorised sellers, resellers or file-sharing sites. We cannot refund purchases we did not make.
• Products that have been shared, resold, redistributed, rebranded or uploaded to another site, or where your access details were given to others.
• Services that have already been delivered or completed, unless the listing says otherwise.
• Free gifts and bonuses, which have no separate price and are refunded only as part of the main purchase.
• Requests that are fraudulent, abusive or based on false information.
• Platform fees, bank charges or currency conversion fees that the platform or your bank keeps, except where the law requires them to be returned.

These exceptions do not limit your legal rights (see sections 4 and 8).

4. Faulty Products and Access Problems

If a product or service is faulty, will not open, cannot be accessed or is not as described, contact us first through our contact page with your order details and a short description of the problem. We will try to fix it within a reasonable time. If we cannot fix it, you may be entitled to a refund, which you can request from the platform where you bought it, even if the purchase was marked as non-refundable or the refund period has passed. This does not limit your legal rights.

5. Processing and Timing

Approved refunds are returned to the original payment method by the platform. Processing time depends on the platform and your bank or payment provider, and is usually within 5 to 10 business days of approval, and in any case within the time required by the law that applies to you. We cannot speed up a refund once the platform has issued it.

6. After a Refund

Once a refund is approved, your license or access ends, and you must stop using the product and delete all copies. Keeping or using a refunded product is a breach of our terms.

7. Chargebacks and Payment Disputes

Please request a refund through the platform or contact us before starting a chargeback or payment dispute with your bank. If you start a chargeback for a product or service that was delivered as described, we may give the platform and payment provider the order and delivery records needed to respond, and we may end your access while the dispute is open.

8. Your Statutory Rights

This policy applies in addition to the consumer rights you have under the law of your country, and nothing in it limits them. For example:

• EU, EEA and UK: consumers may have a 14-day right to withdraw from a distance purchase. For digital content, this right ends once delivery begins, but only if you gave your prior express consent to immediate delivery, acknowledged that you would lose the right, and this was confirmed to you. If these conditions were not met, your right continues. Where a withdrawal function is shown at checkout or on your order page, use it. If none is shown, send your withdrawal request to the platform where you bought the product.
• Faulty digital products and services: laws such as the EU Digital Content Directive, the UK Consumer Rights Act 2015, the Australian Consumer Law and similar laws entitle you to a repair, replacement, price reduction or refund where digital content or a service does not match its description or does not work as it should.
• India: you have rights under the Consumer Protection Act, 2019 and the Consumer Protection (E-Commerce) Rules, 2020.

Where your legal rights are more favourable to you than this policy or the product's refund terms, your legal rights apply.

9. Refund Abuse

We want to treat honest buyers fairly. If we find repeated or abusive refund requests, such as buying and refunding the same product more than once, using a product and then claiming a refund while continuing to use it, or giving false information, we may refuse the request and decline future sales to you, as far as the law allows.

10. Questions and Complaints

For questions about this policy, or a problem with a refund, contact us through our contact page. We reply within 2 business days and acknowledge complaints within 48 hours. You can also contact the platform's support for billing or payment problems.