Refund Policy

1. Overview

This Refund Policy explains the terms and conditions regarding refunds for any paid services or products offered by Raydium Insights ("we," "us," "our," or the "Company"). This policy applies to all users of our website raydium-swap.net (the "Site") and related services.

Raydium Insights is registered in the United Kingdom under Company Number 94435625, with our registered office at Studio 55 Elizabeth Fall, Petefort S72 7HG, United Kingdom.

2. Nature of Services

2.1 Free Content

The majority of content on Raydium Insights is provided free of charge, including:

• Educational articles and blog posts about Raydium protocol
• Guides and tutorials on DeFi trading and liquidity provision
• Market analysis and commentary
• General information about cryptocurrency and blockchain technology

Refunds do not apply to free content as there is no charge.

2.2 Potential Paid Services (Future)

We may introduce paid services in the future, which could include:

• Premium subscription memberships
• Advanced courses or educational programs
• One-on-one consultation services
• Exclusive reports or research materials
• Digital products such as ebooks or video courses
• Software tools or applications
• Event tickets or webinar access

This Refund Policy will govern all such paid offerings unless otherwise specified.

3. General Refund Principles

3.1 Our Commitment to Customer Satisfaction

We are committed to providing high-quality educational content and services. If you are dissatisfied with any paid service or product, we want to make it right. Our refund policy is designed to be fair, transparent, and customer-friendly while protecting against abuse.

3.2 Good Faith Requirement

We expect all refund requests to be made in good faith. We reserve the right to deny refund requests that we determine, in our sole discretion, to be fraudulent, abusive, or made in bad faith.

4. Refund Eligibility and Timeframes

4.1 Standard Refund Period

Unless otherwise specified for a particular product or service, the standard refund eligibility period is:

Service/Product Type	Refund Period	Conditions
Digital Products (ebooks, guides, reports)	14 days from purchase	Before downloading or accessing content
Online Courses (self-paced)	30 days from purchase	Less than 25% content consumed
Live Webinars/Workshops	48 hours before event	Full refund; 24-48 hours: 50% refund
Monthly Subscriptions	Within first 7 days	First-time subscribers only
Annual Subscriptions	Within first 30 days	Pro-rated after 30 days
Consultation Services	24 hours before appointment	Full refund; less than 24 hours: no refund

4.2 Non-Refundable Items

The following are generally non-refundable:

• Digital products after download or access
• Completed services (consultations that have already occurred)
• Promotional or discounted items marked as "final sale"
• Custom or personalized services after work has begun
• Affiliate commissions or referral bonuses
• Services consumed beyond the refund eligibility threshold

4.3 Pro-Rated Refunds

For certain services, we may offer pro-rated refunds based on unused time or access:

• Annual Subscriptions: After the initial 30-day period, refunds may be pro-rated for unused months
• Multi-Month Courses: Refunds calculated based on uncompleted modules or weeks
• Bulk Services: Refunds for unused portions of service packages

5. Refund Request Process

5.1 How to Request a Refund

To request a refund, you must:

1. Submit a Request: Contact us using the contact information provided in Section 12 of this policy
2. Provide Required Information:
   • Your full name and email address used for purchase
   • Order number or transaction ID
   • Date of purchase
   • Product or service name
   • Reason for refund request
   • Any supporting documentation (if applicable)
3. Submit Within Timeframe: Ensure your request is submitted within the applicable refund period

5.2 Refund Review Process

Once we receive your refund request:

1. Acknowledgment (1-2 business days): We will acknowledge receipt of your request
2. Review (3-5 business days): We will review your request, verify eligibility, and may contact you for additional information
3. Decision (5-7 business days): We will notify you of our decision to approve or deny the refund
4. Processing (7-14 business days): If approved, we will process the refund to your original payment method

5.3 Alternative Resolutions

Before processing a refund, we may offer alternative solutions such as:

• Account credit for future purchases
• Exchange for a different product or service
• Extended access or additional support
• Discount on future services

Acceptance of alternative resolutions is entirely voluntary.

6. Refund Methods and Processing

6.1 Payment Method

Refunds will be issued to the original payment method used for purchase:

• Credit/Debit Cards: Refunded to the same card (may take 5-10 business days to appear)
• PayPal: Refunded to PayPal account (usually 1-3 business days)
• Bank Transfer: Refunded to original bank account (may take 5-10 business days)
• Cryptocurrency: Refunded to the same wallet address in the same cryptocurrency (subject to network fees and price volatility)

6.2 Cryptocurrency Refunds Special Terms

If payment was made in cryptocurrency:

• Refunds will be calculated based on the fiat (GBP) amount at the time of purchase
• Cryptocurrency refunds will be based on the current market rate at time of refund processing
• We are not responsible for cryptocurrency price fluctuations between purchase and refund
• Network transaction fees for cryptocurrency refunds will be deducted from the refund amount
• You must provide a valid wallet address for the refund

6.3 Processing Time

Once a refund is approved:

• We will initiate the refund within 2-3 business days
• The time for funds to appear in your account depends on your financial institution or payment processor
• Total processing time typically ranges from 7-14 business days from approval
• We will provide a confirmation email once the refund has been processed on our end

6.4 Currency and Exchange Rates

If your original payment was made in a currency different from GBP:

• Refunds will be processed in the original currency when possible
• Exchange rate differences between purchase and refund are not our responsibility
• Your bank or payment processor may charge currency conversion fees

7. Subscription-Specific Terms

7.1 Monthly Subscriptions

For monthly recurring subscriptions:

• Trial Period: If offered, full refund available during trial period
• First Month: Full refund available within 7 days of initial charge (first-time subscribers only)
• Subsequent Months: No refunds for renewal charges; you can cancel anytime to avoid future charges
• Cancellation: Cancel at least 24 hours before next billing date to avoid charges
• Access: Upon cancellation, access continues until end of paid period

7.2 Annual Subscriptions

For annual subscriptions:

• Initial Period: Full refund available within first 30 days
• After 30 Days: Pro-rated refund for unused months (minus a 20% administrative fee)
• Minimum Charge: At least 3 months of subscription will be charged, even if requesting refund earlier
• Renewal: No refunds on auto-renewal charges; disable auto-renewal before renewal date

7.3 Subscription Cancellation

To cancel a subscription:

• Log into your account and navigate to subscription settings, or
• Contact us at least 48 hours before the next billing date
• Cancellation takes effect at the end of the current billing period
• You will receive email confirmation of cancellation

8. Course and Educational Content Refunds

8.1 Self-Paced Online Courses

• Refund Period: 30 days from date of purchase
• Content Consumption Limit: Refund only available if less than 25% of course content has been accessed
• Certificate Issued: No refund if course completion certificate has been issued
• Technical Issues: Technical problems will be resolved; not grounds for refund unless unresolvable

8.2 Live Classes and Workshops

• Before Event: Full refund if canceled 48+ hours before start time
• 24-48 Hours Before: 50% refund
• Less than 24 Hours: No refund (credit may be offered for rescheduling)
• After Event Starts: No refund available
• No-Show: No refund for failure to attend

8.3 Bundled Courses

• Course bundles are treated as single products
• Refunds based on the bundle as a whole, not individual courses
• No partial refunds for individual courses within a bundle
• Accessing any course in the bundle affects refund eligibility for the entire bundle

9. Digital Product Refunds

9.1 Downloadable Products

For ebooks, PDFs, guides, and other downloadable materials:

• Before Download: Full refund available within 14 days if product has not been downloaded
• After Download: Generally non-refundable due to the nature of digital goods
• Technical Issues: If you experience technical difficulties preventing download, contact us for assistance
• Misrepresentation: Refund available if product significantly differs from description

9.2 Software and Tools

For any software tools or applications we may offer:

• 30-day money-back guarantee if software does not function as advertised
• Technical support will be provided before refund consideration
• License must not have been transferred or shared
• Refund available only for initial purchase, not renewals

10. Consultation and Advisory Services

10.1 One-on-One Consultations

• Cancellation Before Service: Full refund if canceled 24+ hours before scheduled time
• Last-Minute Cancellation: No refund if canceled less than 24 hours before appointment
• After Service Rendered: No refund once consultation has occurred
• Rescheduling: Free rescheduling available up to 48 hours before appointment

10.2 Service Packages

• Full refund available before first session
• Pro-rated refund for unused sessions (minus 20% administrative fee)
• No refunds after 50% of package sessions completed
• Sessions must be used within specified timeframe (typically 6-12 months)

11. Exceptions and Special Circumstances

11.1 Technical Issues

If you experience technical problems preventing you from accessing or using our services:

• Contact our support team immediately
• We will work diligently to resolve technical issues
• Extension of access period may be provided instead of refund
• Refund will be considered only if technical issues cannot be resolved within reasonable timeframe

11.2 Medical or Emergency Circumstances

We understand that unexpected circumstances occur. If you have a medical emergency or serious personal situation:

• Contact us as soon as possible with documentation
• We will review requests for exceptions on a case-by-case basis
• Alternative solutions (such as extended access or deferred enrollment) may be offered

11.3 Dissatisfaction with Educational Content

If you are dissatisfied with the quality of educational content:

• Provide specific feedback about your concerns
• We take content quality seriously and will review your feedback
• We may offer additional resources, clarification, or alternative content
• Refunds will be considered if content materially differs from description or is objectively deficient

11.4 Unauthorized Charges

If you notice unauthorized charges:

• Contact us immediately with details
• We will investigate and reverse unauthorized charges
• Change your account password immediately
• Consider notifying your financial institution

12. Prohibited Refund Abuse

12.1 Abuse Prevention

We reserve the right to deny refund requests and suspend accounts if we detect:

• Pattern of repeated purchases and refund requests
• Downloading/accessing content then requesting refund
• Sharing account credentials or content before requesting refund
• False claims or misrepresentation in refund requests
• Chargeback abuse (disputing legitimate charges)
• Violation of our Terms & Conditions

12.2 Consequences of Abuse

Users who abuse our refund policy may face:

• Denial of current and future refund requests
• Account suspension or termination
• Ban from purchasing future products or services
• Legal action to recover costs in cases of fraud

13. Chargebacks and Disputes

13.1 Contact Us First

Before initiating a chargeback with your bank or credit card company, please contact us directly. Most issues can be resolved quickly through direct communication.

13.2 Chargeback Process

If you initiate a chargeback:

• We will be notified and will respond to your financial institution with transaction documentation
• Your account may be suspended pending chargeback resolution
• Access to products/services will be revoked during dispute period
• If chargeback is found invalid, you may be liable for our costs in responding

13.3 Unjustified Chargebacks

Unjustified chargebacks (for legitimate charges after using services) may result in:

• Permanent account termination
• Ban from future purchases
• Referral to collection agency if applicable
• Legal action for recovery of funds and associated costs

14. Modification of Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will:

• Be effective immediately upon posting on our Site
• Apply to purchases made after the modification date
• Not affect refund terms for purchases made before modifications
• Be communicated via email if you have an active subscription or account

Continued use of our Services after modifications constitutes acceptance of the updated policy.

15. Consumer Rights (UK and EU)

15.1 UK Consumer Rights Act 2015

If you are a consumer in the United Kingdom, you have certain rights under the Consumer Rights Act 2015:

• Right to receive services with reasonable care and skill
• Right to receive services as described
• 14-day cooling-off period for distance sales (with exceptions for digital content)

This Refund Policy does not limit your statutory rights under UK law.

15.2 EU Consumer Rights Directive

If you are a consumer in the European Economic Area, you have rights under the Consumer Rights Directive:

• 14-day withdrawal period for online purchases
• Exceptions apply for digital content once delivery has begun with your consent
• Right to clear information about products and services before purchase

15.3 Waiver of Withdrawal Rights

By purchasing and accessing digital content (such as downloadable materials or online courses), you acknowledge and agree that:

• You expressly consent to immediate delivery of digital content
• You waive your right to the 14-day cooling-off period for such content
• This waiver applies once you begin downloading or accessing digital content

16. Contact Information for Refunds

17. Final Notes

Effective Date: This Refund Policy is effective as of January 1, 2025, and will govern all purchases made on or after this date.

Agreement: By making a purchase from Raydium Insights, you acknowledge that you have read, understood, and agree to be bound by this Refund Policy, our Terms & Conditions, and our Privacy Policy.

Language: This Refund Policy is provided in English. Any translations are for convenience only, and the English version shall prevail in case of discrepancies.