Refund Policy

At civicartae.org, we are committed to providing high-quality nutrition information and educational content. This Refund Policy outlines our policies regarding refunds, cancellations, and related matters for any services or products offered through our website.

1. Nature of Our Services

civicartae.org primarily provides:

• Free educational content and articles on nutrition
• Free blog posts and health information
• Free newsletter subscriptions
• Informational resources for healthy eating after 40

2. Free Services

Since most of our content and services are provided free of charge:

• No refunds are applicable for free content or services
• You may unsubscribe from our newsletter at any time
• You may delete your account at any time without any charges
• Access to free content may be modified or discontinued at our discretion

3. Future Paid Services or Products

Should we introduce paid services, digital products, premium content, or subscriptions in the future, the following refund policies will apply:

3.1 Digital Products

For any digital products (e-books, guides, meal plans, etc.):

• Refund Window: 14 days from the date of purchase
• Condition: Product must not have been downloaded or accessed
• Exceptions: Once downloaded, digital products are generally non-refundable
• Technical Issues: Full refund if product is defective or inaccessible

3.2 Subscription Services

For any subscription-based services:

• Monthly Subscriptions: Refund available within 7 days of initial subscription only
• Annual Subscriptions: Pro-rated refund available within 30 days of purchase
• Cancellation: You may cancel at any time, effective at the end of the current billing period
• No Partial Refunds: No refunds for partial months or unused portions after the refund window

3.3 Consultation Services

For any one-on-one consultation or coaching services:

• Cancellation Window: 48 hours before scheduled appointment for full refund
• Late Cancellation: No refund for cancellations within 48 hours
• No-Show: No refund for missed appointments without prior notice
• Rescheduling: Allowed once without penalty with at least 48 hours notice

4. Refund Eligibility

Refunds may be granted under the following circumstances:

• Technical issues preventing access to purchased content or services
• Product or service not as described or advertised
• Duplicate charges or billing errors
• Unauthorized charges on your account
• Service cancellation within the specified refund window

5. Non-Refundable Items

6. How to Request a Refund

To request a refund for eligible purchases:

Step 1: Contact Us

Submit your refund request by:

• Email: [email protected]
• Phone: +264135005133
• Mail: 59B Green Trail South Kailee, SA 2236, Netherlands

Step 2: Provide Required Information

Include the following in your refund request:

• Your full name and email address
• Order number or transaction ID
• Date of purchase
• Detailed reason for refund request
• Supporting documentation (if applicable)

Step 3: Review Process

• We will acknowledge receipt within 2 business days
• Review and decision within 5-7 business days
• You will be notified of approval or denial via email

Step 4: Refund Processing

• Approved refunds processed within 5-10 business days
• Refund issued to original payment method
• Bank processing may take additional 3-5 business days

7. Refund Methods

Approved refunds will be processed as follows:

• Credit/Debit Card: Refunded to the original card used for purchase
• PayPal: Refunded to your PayPal account
• Bank Transfer: Processed to your registered bank account
• Other Methods: Refunded via the original payment method when possible

8. Cancellation Policy

8.1 Subscription Cancellations

To cancel any subscription service:

• Log into your account and navigate to subscription settings
• Select "Cancel Subscription" option
• Cancellation effective at the end of current billing period
• Access continues until the end of paid period
• No charges after cancellation confirmation

8.2 Account Deletion

To delete your account:

• Cancel any active subscriptions first
• Contact us with deletion request
• We will process within 30 days
• All personal data will be deleted per our Privacy Policy

9. Promotional Offers and Discounts

For promotional offers or discounted services:

• Standard refund policies apply unless otherwise stated
• Promotional credits are non-refundable and non-transferable
• Special offer terms will be clearly communicated at time of purchase
• Refunds issued at the discounted price paid, not full retail value

10. Billing Disputes

If you believe you have been incorrectly charged:

• Contact us immediately at [email protected]
• Provide transaction details and explanation
• We will investigate within 5 business days
• Errors will be corrected and refunded promptly
• You may also dispute charges with your payment provider

11. Chargebacks

12. Exceptions and Special Circumstances

We may grant refunds outside our standard policy for:

• Documented technical issues on our end
• Medical emergencies or extenuating circumstances
• Errors in product description or pricing
• Regulatory or legal requirements

Such exceptions are granted at our sole discretion on a case-by-case basis.

13. International Customers

For customers outside the Netherlands:

• Refunds processed in the original transaction currency
• Currency conversion rates may vary
• International transaction fees are non-refundable
• Refund processing times may vary by country
• Local consumer protection laws may apply

14. Modifications to Refund Policy

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

• Changes effective upon posting to our website
• Updated "Last Updated" date will reflect changes
• Material changes will be communicated via email
• Continued use constitutes acceptance of changes
• Existing purchases governed by policy at time of purchase

15. Consumer Rights

This Refund Policy does not affect your statutory rights as a consumer under applicable law. In some jurisdictions, you may have additional rights regarding refunds and returns that cannot be waived.

16. Contact Information

17. Dispute Resolution

If you are not satisfied with our refund decision:

• Request escalation to a senior manager
• We will review your case within 10 business days
• Final decisions will be communicated in writing
• You may pursue other legal remedies if necessary

18. Acknowledgment

By making a purchase or subscribing to any paid service on civicartae.org, you acknowledge that you have read, understood, and agree to this Refund Policy.

Last Updated: January 1, 2025