Version dated 09 June 2026

This Refund and Cancellation Policy applies to paid digital content, online courses, materials, recordings, lessons, consultations and related services provided by Dmitry Alekseevich Khramov.

1. GENERAL PROVISIONS

1.1. Refund requests must be sent to dima.xramoff2020@gmail.com.

1.2. The request must include: full name, order number, payment date, payment method and reason for the request.

1.3. The Operator reviews refund requests within a reasonable period, usually within 10 business days, unless a longer period is required by law or by the payment service rules.

2. IF ACCESS HAS NOT STARTED YET

2.1. If access to the digital content or service has not yet been provided and performance has not started, the Customer may request a refund, less any bank or payment service charges that are non-refundable under law or the payment provider’s rules.

3. IF ACCESS HAS ALREADY STARTED

3.1. If access to the digital content or service has already started, the refund amount may be reduced proportionally to the part already provided, to the extent permitted by law.

3.2. If the Customer expressly requested immediate access and confirmed that performance begins before the end of any withdrawal period, the right to a refund may be limited to the extent permitted by law.

4. IF THE SERVICE HAS BEEN FULLY PERFORMED

4.1. If the service or access to the digital content has been fully provided, refunds may be unavailable in the cases and to the extent permitted by law.

5. TECHNICAL FAILURES

5.1. If access cannot be provided due to the Operator’s fault within a reasonable period, the Operator will either restore access, offer a refund, or propose another reasonable solution.

6. CHARGEBACKS

6.1. Before initiating a chargeback, the Customer is encouraged to contact the Operator to resolve the issue.

6.2. An unjustified chargeback may result in suspension of access while the issue is reviewed.

7. SPECIAL CONSUMER RIGHTS

7.1. This Policy does not limit mandatory consumer rights provided by applicable law, including consumer rights in the EU and the United Kingdom where such rules apply.

8.REFUND CONTACT

E-mail: dima.xramoff2020@gmail.com