MASTER REFUND POLICY

Effective Date: [TO BE DETERMINED AT LAUNCH]

Last Updated: 2026-01-31

Applicable To: All ASI Network Businesses (B1–B17)

1. Introduction

This Refund Policy outlines the terms and conditions for refunds across all ASI Network Services. Refund eligibility varies by business line and product type.

Important: Refunds are issued to the original payment method within 7-10 business days of approval.

2. General Refund Principles

2.1 Refund Eligibility

Refund eligibility depends on:

• Product type (digital vs. physical)
• Service type (subscription vs. one-time purchase)
• Time elapsed since purchase
• Reason for refund request

2.2 Request Process

To request a refund:

1. Contact support via email or support portal
2. Provide order number and reason for refund
3. Allow 2-3 business days for review
4. Receive refund decision via email

2.3 Refund Timing

• Approved refunds: Issued within 7-10 business days to original payment method
• Credit card refunds: May take 1-2 billing cycles to appear on statement
• PayPal refunds: Typically processed within 24-48 hours

2.4 Non-Refundable Items

The following are generally non-refundable:

• Custom or personalized products
• Downloadable content that has been accessed
• Services that have been delivered
• Promotional or discounted items (unless defective)

3. Business-Specific Refund Policies

B1: Digital Product Purchases

Product Type: Digital downloads (templates, guides, prompt libraries)

Refund Window: 14 days from purchase

Eligibility Criteria:

• Eligible: Product is defective, inaccessible, or materially misrepresented
• Not Eligible: Product has been downloaded or accessed (unless defective)

Refund Process:

1. Contact support within 14 days of purchase
2. Explain issue (defect, access problem, misrepresentation)
3. Support will verify issue and approve/deny refund
4. If approved, access is revoked and refund issued

Partial Refunds: Not applicable (digital products are all-or-nothing)

Bundle Purchases: If purchasing a bundle, refund applies to entire bundle, not individual items.

Important Notes:

• Once a digital product is downloaded or accessed, it is considered "delivered" and is non-refundable unless defective
• "Changed my mind" refunds are not granted after access
• Products received via promotions or gifts are non-refundable

B2: Ecommerce Products (Print-on-Demand)

Product Type: Physical goods (apparel, home decor, accessories)

Refund Window: 30 days from delivery

Eligibility Criteria:

• Full Refund Eligible: Product is defective, incorrect item shipped, item damaged during shipping, item significantly different from description
• Not Eligible: Personalized or customized items (unless defective), items damaged due to misuse, "Changed my mind" after production has started, items on sale or clearance (unless defective)

Refund Process:

1. Contact support within 30 days of delivery
2. Provide order number, photos of defect/damage, and description of issue
3. Support reviews case (may request additional photos)
4. If approved: defective items receive full refund + shipping costs; wrong item receives replacement or refund

Return Shipping:

• Defective items: We provide prepaid return label
• Buyer remorse: Customer pays return shipping
• Restocking fee: None for defective items; 15% restocking fee for non-defective returns

Replacement vs. Refund:

• We prefer to offer replacements for defective items
• Refunds issued if replacement is not possible or if customer prefers refund

Important Notes:

• Custom/personalized items are final sale unless defective
• Seasonal items may have shorter return windows (see product page)
• Items must be unused and in original condition for non-defective returns

B3: Newsletter & Community Subscriptions

Product Type: Recurring subscriptions (monthly/annual)

Refund Window: 7 days from initial purchase (first-time subscribers only)

Eligibility Criteria:

• Full Refund Eligible: First-time subscriber requesting cancellation within 7 days of initial purchase; service is inaccessible due to technical issues on our end; service materially differs from description (false advertising)
• Not Eligible: Cancellations after 7-day window (no prorated refunds for unused time); renewal charges (subscriptions auto-renew); account violations resulting in suspension or termination

Refund Process:

1. Contact support within 7 days of initial purchase
2. Explain reason for refund
3. Support processes cancellation and refund (if within window)
4. Access continues until end of paid period

Prorated Refunds:

• Monthly subscriptions: No prorated refunds
• Annual subscriptions: No prorated refunds (exception: technical failure lasting 30+ days)

Cancellation vs. Refund:

• Cancellation: Stops future billing; access continues until end of paid period; no refund
• Refund: Cancels subscription and refunds current period (only within 7-day window)

Important Notes:

• Canceling subscription does NOT automatically grant a refund
• Community access is revoked upon cancellation (no grace period beyond paid period)
• Promotional trial periods may have different refund terms (see offer details)

B4: Service Engagements (AI Content Sprints)

Product Type: One-time service deliverables (content creation, strategy sessions)

Refund Window: Milestone-based (varies by service tier)

Eligibility Criteria:

• Full Refund Eligible: Service not delivered within agreed timeline (and no extension requested); deliverable is materially deficient from scope agreement; service provider breaches contract terms
• Partial Refund Eligible: Service partially completed (refund for incomplete milestones); mutual agreement to terminate engagement early
• Not Eligible: Services fully delivered per scope agreement; client fails to provide required inputs or feedback; scope changes requested after project start

Refund Process:

1. Raise concern with project manager immediately when issue arises
2. Attempt resolution via revisions (per service tier limits)
3. If unresolved, escalate to support for refund review
4. Refunds determined on case-by-case basis

Milestone Breakdown (for refund calculation):

• Starter Tier ($499): Single milestone (all-or-nothing)
• Growth Tier ($1499): 3 milestones (refund pro-rated if early termination)
• Custom Tier ($3000+): Custom milestones (refund based on completion %)

Revision Policy:

• Revisions are included per service tier (see product bundles)
• If client is unsatisfied after all included revisions, refund may be considered
• Additional revisions beyond tier limits are billable

Important Notes:

• Services are custom work; satisfaction is subjective; refunds are not guaranteed
• Clear scope agreements reduce disputes; both parties must agree on deliverables upfront
• If client abandons project mid-stream, no refund for work completed

B5–B17: Future Services

Refund policies for future business lines will follow similar principles:

• Digital services: 14-day refund window, non-refundable after access
• Physical goods: 30-day defect window, return shipping policies apply
• Subscriptions: 7-day initial refund window, no prorated refunds
• Custom services: Milestone-based, case-by-case review

Detailed refund terms will be published upon launch of each business line.

4. Exceptions & Special Circumstances

4.1 Force Majeure

If we are unable to deliver Services due to circumstances beyond our control (natural disasters, pandemics, government actions), we will:

• Offer full refunds for undelivered Services
• Extend delivery timelines with customer consent (no additional charge)

4.2 Technical Failures

If our platform experiences extended downtime (7+ consecutive days) preventing access to paid Services:

• Subscription customers receive credit for downtime (applied to next billing cycle)
• One-time purchase customers receive pro-rated refund or extension of access

4.3 Promotional Offers

Products purchased with promotional codes or discounts:

• Refunds calculated based on amount actually paid, not original price
• Free products or gifts are non-refundable

4.4 Chargebacks

If you initiate a chargeback with your credit card company:

• Your account will be suspended pending resolution
• If chargeback is found invalid, you forfeit refund eligibility
• Repeated chargebacks may result in permanent account termination

Preferred resolution: Contact support before initiating chargeback; we will work to resolve disputes directly.

5. Refund Request Requirements

To process a refund, provide:

• Order number or transaction ID
• Email address associated with purchase
• Reason for refund request (be specific)
• Supporting evidence (screenshots, photos, error messages) if applicable

Response time: Most refund requests are reviewed within 2-3 business days.

6. Disputes & Appeals

6.1 Denied Refund Requests

If your refund request is denied, the decision email will include:

• Reason for denial
• Policy section referenced
• Alternative resolutions (if available)

6.2 Appeal Process

You may appeal a denied refund by:

1. Replying to the denial email with additional information
2. Escalating to a manager (request escalation in your reply)
3. Allowing 3-5 business days for appeal review

Final decision: After manager review, the decision is final and binding.

7. Contact Information

To request a refund:

Email: [TO BE CONFIGURED AT LAUNCH]

Subject line: "Refund Request - [Order Number]"

Support Portal: [TO BE CONFIGURED AT LAUNCH]

Response time: 2-3 business days for initial review

Document Status: PRE-LAUNCH DRAFT | REQUIRES LEGAL REVIEW BEFORE PRODUCTION USE

Consumer Protection Notes

• Policies comply with consumer protection standards in major markets (US, EU, UK)
• Digital goods refund window (14 days) aligns with EU consumer rights directive
• Physical goods refund window (30 days) meets US standard return periods
• Service refunds are milestone-based to protect both parties

Next Steps

1. Engage legal counsel to review and finalize Refund Policy
2. Configure refund request workflow and support ticketing system
3. Train customer support team on refund decision criteria
4. Implement refund tracking and reporting
5. Review business-specific terms for B5–B17 upon activation