Legal

“A good lawyer knows the law; a clever one takes the judge to lunch.” — Mark Twain

Returns & Refund Policy

These Terms of Use (“Terms”) govern your access to and use of the website, products, services, and content provided by (“we”, “us”, “our”) site. By accessing or using our website, subscribing, purchasing any service, product, or membership, you agree to be bound by these Terms. If you do not agree, you must not use our website or services.

1. Definitions

User / You: Any person accessing or using the website or services, including through subscription.
Products / Services: Any digital or physical products, subscriptions, stock picks, analysis, reports, or other services we provide.
Content: All text, images, audio/video, reports, stock picks, analysis, commentary, newsletter, or educational materials provided.
Subscription: A recurring payment plan giving access to certain content / membership privileges over time.

2. Acceptance of Terms; Modifications

By using our services, you accept these Terms, the disclaimers, our Privacy Policy, and any other policies on the site.
We may modify these Terms at any time. We will post the updated Terms with a new effective date. Continued use after modifications constitutes acceptance.
It is your responsibility to check the Terms periodically.

This policy applies to all purchases of products or services through our website, including digital products, physical goods, subscriptions, and other services (“Products/Services”).

3. Non-Refundable / Final Sale Items

Digital products are generally non-refundable once delivered or accessed, except as mandated by consumer law (for example, if the product is faulty or substantially not as described).
Physical goods marked as “final sale,” “non-returnable,” or “custom-made” are non-refundable for change of mind.
Subscriptions are non-refundable for past periods once the period has commenced (i.e. you cannot get a refund for a full month once you have had access to that month’s content), except as required by law.

4. Refunds / Returns Only under Specific Circumstances

We will consider refund or return requests in the following cases:

Where the Product/Service is faulty, defective, unsafe, or does not function as described.
Where there is a major issue under applicable consumer protection laws (for example, Australian Consumer Law) such that the Product/Service is not fit for purpose, not of acceptable quality, or significantly differs from the description.
If we are unable to deliver the purchased Product/Service within a reasonable time or at all.
Any material misrepresentation in the listing or marketing of the Product/Service.

5. Timeframe for Requesting a Refund / Return

Refund requests must be made within [X] days of delivery (for physical goods) or of purchase/access (for digital products or subscriptions).
After this period, we may refuse refunds except where required by applicable law.
We reserve the right to request evidence of defect or fault (photos, screenshots, etc.) to assess the claim.

6. Return of Physical Goods

Physical goods must be returned in original condition, unused, with all packaging and tags intact, unless the item was faulty or the return is due to our error.
The customer is responsible for the cost of return shipping unless otherwise agreed.

7. Method of Refund

Refunds will be made via the same payment method originally used, unless otherwise agreed.
Processing time will be within [Y] business days after approval of the refund.
Shipping or service fees may not be refundable unless the entire order is cancelled or the product/service is faulty.

8. Subscription Cancellations

You may cancel your subscription anytime. Cancellations will take effect at the end of the current subscription period.
No partial refunds will be given for unused portions of subscription periods that have already begun, except where required by law.

9. Exclusions & Limitations

We do not accept returns or refunds in cases of “change of mind”, for digital products once accessed/delivered, or for physical goods that have been used, damaged by the customer, or not returned in original condition (unless faulty).
We will not be liable for any other forms of compensation, incidental or consequential losses arising out of the purchase, use, or inability to use the Product/Service.

10. Legal Rights & Consumer Guarantees

This policy does not affect any rights a consumer has under applicable consumer protection laws (e.g., the Australian Consumer Law) which cannot be excluded. For example, even if a digital product is non-refundable under our policy, if it is faulty or not as described, the customer may still be entitled to a remedy such as a refund, replacement, or repair under law.

11. How to Request a Refund / Return

Contact our support team at [support email] with your order number, date of purchase, description of the issue, and any relevant evidence (screenshots, photos, etc.).
We will review your request and respond within [Z] business days.

12. Entire Agreement

These Terms, together with the Disclaimer, Returns & Refund Policy, Privacy Policy, and any other policies posted on the site, constitute the entire agreement between you and us in respect of your use of our services.
Any questions about our terms or policies, please contact hello@orphantoentrepreneur.com

13. Changes to Policy

We reserve the right to modify or update this Returns & Refund Policy at any time. Changes will be effective from the date posted on this page.
It is your responsibility to review this policy periodically.