Return Policy

Return & Refund Policy

At House of Wisdom, we are committed to providing high-quality digital content and exceptional service to the Chin community worldwide. This Return and Refund Policy outlines the terms and conditions for returns and refunds related to our digital products and membership services.

Last Updated: November 26, 2024

1. Digital eBooks and Content

1.1 No Returns on Digital Downloads

Due to the nature of digital products, we do not offer returns or refunds on eBooks and digital content once they have been:

• Downloaded to your device
• Accessed or opened through our platform
• Viewed or read (even partially)

1.2 Exceptions - Refunds May Be Granted

We may issue refunds for digital products in the following exceptional circumstances:

• Technical Issues: The file is corrupted, unreadable, or significantly different from the description
• Duplicate Purchase: You accidentally purchased the same item twice
• Billing Errors: You were charged incorrectly or multiple times for a single purchase
• Access Problems: You cannot access the content due to technical problems on our end despite our support efforts

1.3 Timeframe for Refund Requests

Refund requests for eligible circumstances must be submitted within:

• 7 days of purchase for technical issues
• 48 hours for duplicate purchases or billing errors

2. Membership Subscriptions

2.1 Monthly Memberships

Monthly membership subscriptions operate on a month-to-month basis:

• Cancellation: You may cancel your membership at any time
• Effective Date: Cancellation takes effect at the end of the current billing period
• Prorated Refunds: We do not offer prorated refunds for partial months
• Access: You retain access to membership content until the end of your paid period

2.2 Yearly Memberships

Annual membership subscriptions have different terms:

• Trial Period: 14-day money-back guarantee from the date of purchase
• After Trial Period: No refunds after 14 days
• Cancellation: Can be cancelled anytime, but no partial refunds for unused months
• Auto-Renewal: Annual memberships auto-renew unless cancelled before renewal date

2.3 Lifetime Memberships

Lifetime membership purchases are one-time payments with special terms:

• Trial Period: 30-day money-back guarantee
• After Trial Period: All sales are final - no refunds after 30 days
• Non-Transferable: Lifetime memberships cannot be transferred to another person

3. Donations

Donations made to House of Wisdom are generally non-refundable, as they support our mission and operations immediately upon receipt.

3.1 When Donations May Be Refunded

We may issue refunds for donations in these limited cases:

• Duplicate Donations: You accidentally donated twice
• Technical Errors: The wrong amount was charged due to a system error
• Unauthorized Charges: The donation was made without your authorization

3.2 Donation Refund Timeframe

Refund requests for donations must be submitted within 48 hours of the transaction.

4. How to Request a Refund

If you believe you qualify for a refund based on the policies above, please follow these steps:

4.1 Information Needed for Refund Requests

To expedite your refund request, please provide:

• Your full name and account email address
• Order number or transaction ID
• Date of purchase
• Detailed description of the issue or reason for refund
• Screenshots or documentation (if applicable)

5. Payment Processing and Refund Timeline

5.1 Refund Processing Time

Once a refund is approved:

• Credit/Debit Cards: 7-10 business days to appear on your statement
• PayPal: 3-5 business days
• Bank Transfers: 10-14 business days

5.2 Refund Method

Refunds are issued to the original payment method used for the purchase. We cannot issue refunds to a different payment method or account.

5.3 Transaction Fees

Please note that:

• We cannot refund payment processing fees charged by third-party processors
• Currency conversion fees are non-refundable
• Any bank charges incurred during the original transaction cannot be refunded

6. Technical Issues and Support

Before requesting a refund for technical issues, we encourage you to contact our support team. Many problems can be resolved quickly:

6.1 Common Issues We Can Help With

• Problems downloading or accessing eBooks
• Compatibility issues with your device or eReader
• File format conversion needs
• Account access or login problems
• Missing content or broken links

6.2 How to Get Support

Our support team is committed to resolving your issues. We will work with you to ensure you can access and enjoy your purchased content.

7. Unauthorized Charges and Fraud

7.1 Reporting Unauthorized Charges

If you notice an unauthorized charge from House of Wisdom on your account:

1. Contact us immediately at support@howisdom.org
2. Provide details of the unauthorized charge
3. We will investigate and issue a refund if the charge is confirmed as unauthorized

7.2 Account Security

To prevent unauthorized charges:

• Keep your password secure and don't share it
• Log out of your account on shared devices
• Enable two-factor authentication if available
• Monitor your account activity regularly
• Report suspicious activity immediately

8. Special Circumstances and Exceptions

8.1 Change of Mind

We understand that sometimes you may change your mind about a purchase. However:

• Change of mind is not a valid reason for refund on digital content once accessed
• We encourage you to use previews and descriptions before purchasing
• Contact us for assistance if you're unsure about a purchase

8.2 Promotional or Discounted Purchases

Items purchased during sales, promotions, or with discount codes:

• Follow the same refund policy as regular-priced items
• Refunds are issued at the price you paid (discounted amount)
• Promotional codes cannot be reused after a refund

8.3 Gift Purchases

For content or memberships purchased as gifts:

• Refunds must be requested by the purchaser, not the recipient
• Same timeframe and eligibility rules apply
• If the gift has been redeemed/accessed, it cannot be refunded

9. Cancellation Policy

9.1 How to Cancel Membership

You can cancel your membership subscription at any time through:

• Your account settings on our website
• Emailing support@howisdom.org
• Using the cancellation link in your membership emails

9.2 What Happens After Cancellation

• You retain access until the end of your current paid period
• No further charges will be made
• Your account remains active but with limited access after expiration
• You can reactivate your membership anytime

9.3 Pause Membership Option

Instead of cancelling, you may be able to:

• Pause your membership for 1-3 months (availability may vary)
• No charges during the pause period
• Automatic resumption after the pause period
• Contact support to arrange a membership pause

10. Fair Use and Abuse Prevention

We reserve the right to refuse or limit refunds in cases of:

10.1 Abuse of Refund Policy

• Excessive refund requests indicating misuse of the policy
• Purchasing, accessing content, then requesting refund (content theft)
• Repeated pattern of purchases and refund requests
• Fraudulent or deceptive refund claims

10.2 Account Suspension

Accounts found to be abusing the refund policy may be:

• Restricted from future purchases
• Suspended or terminated
• Reported to relevant authorities if fraud is suspected

11. Contact Us

If you have questions about this Return and Refund Policy or need assistance with a purchase, please contact us:

12. Changes to This Policy

We may update this Return and Refund Policy from time to time to reflect changes in our practices or for legal and operational reasons.

12.1 How We Notify You of Changes

• Update the "Last Updated" date at the top of this policy
• Send email notifications for significant changes
• Display a notice on our website

12.2 Your Acceptance

Continued use of our services after changes are posted constitutes your acceptance of the updated policy. We encourage you to review this policy periodically.

13. Additional Notes

13.1 Governing Law

This Return and Refund Policy is governed by and construed in accordance with applicable laws. Any disputes arising from this policy will be subject to the jurisdiction of the appropriate courts.

13.2 Severability

If any provision of this policy is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

13.3 Language

This policy is written in English. If translated into other languages, the English version shall prevail in case of any inconsistencies.