Refund Policy

1. Nature of Digital Products

Our products are delivered electronically and can often be accessed, downloaded or used immediately. Because digital products cannot be "returned" in the same way as physical goods, refunds are reviewed case by case under the conditions below.

We encourage you to read the product description carefully, including features, format and any requirements, and to contact us with any questions before purchasing.

2. When You May Be Eligible for a Refund

You may be eligible for a full or partial refund if:

• Non-delivery: you did not receive the product or access instructions, and we are unable to deliver it after you contact us.
• Duplicate payment: you were charged more than once for the same order.
• Faulty product: the product does not work as described, and our support team cannot resolve the issue within a reasonable time.
• Materially different: the product is significantly different from its description on our website.
• Service not started: for digital services, you cancel before work on the service has begun.

3. When Refunds Are Not Usually Available

Unless required by applicable law, refunds are not usually available when:

• the product has been downloaded, the license key activated, or the content accessed, and the request is due to a change of mind;
• the product does not meet requirements that were clearly stated in the product description (for example, compatibility requirements);
• the request is made more than 7 days after purchase;
• a digital service has already been completed and delivered as described;
• the product has been misused or used in breach of our Terms & Conditions or its license;
• the account has been suspended for fraud or abuse.

4. How to Request a Refund

To request a refund, email support@pay-at.com or use our contact form within 7 days of purchase, and include:

• your full name and the email address used for the purchase;
• your order ID;
• the product name;
• the reason for your request, with any helpful details or screenshots.

5. Review and Processing

We aim to respond to refund requests within 1 to 2 business days. We may ask for more information or offer to help resolve the issue first, for example by re-sending your product or providing technical assistance.

If your refund is approved, it will be issued to the original payment method. Once processed, refunds usually take 5 to 10 business days to appear, depending on your bank or payment provider. Where a refund is approved, any license or access to the product may be revoked.

6. Non-Delivery

Most products are delivered shortly after payment is confirmed, and delivery may take up to 24 hours. If you have not received your product, please check your spam or junk folder and confirm the email address used at checkout, then contact us with your order ID. If we cannot deliver the product, you will be offered a full refund.

7. Subscriptions and Cancellations

Where a product is sold as a subscription, you may cancel future renewals as described on the product page or by contacting us. Cancellation stops future charges; access normally continues until the end of the current paid period. Payments for periods that have already started are generally not refundable, unless required by law or covered by the eligible situations above.

8. Payment Disputes and Chargebacks

If you have a problem with an order, please contact us first so we can try to resolve it quickly. If a chargeback or payment dispute is opened, we may suspend access to the related product while it is reviewed.

9. Your Legal Rights

Nothing in this Refund Policy affects any rights you may have under applicable consumer protection laws. Where the law gives you additional rights, those rights apply.

10. Changes to This Policy

We may update this Refund Policy from time to time. The version in effect at the time of your purchase applies to that order.

11. Contact Us

For refund requests or questions about this policy, contact Pay@ at support@pay-at.com.