Summary
This policy explains when refunds are and are not available for purchases of Regulation4U digital products (the "Materials"), sold by Regulation4U Ltd through Paddle as merchant of record. It applies to all three tiers — Regulation Decoded, Action Blueprint, and Market Navigator — and forms part of our Terms of Service.
Digital products, delivered immediately
The Materials are digital content — guides, checklists, interactive tools, case studies, and video — supplied by secure download links delivered immediately after successful payment. Your access page remains available for 30 days: download your files within that window to keep them permanently under your licence. Links are personal to your order, permit a limited number of downloads, and files may be digitally stamped with your purchaser details. Links can be re-issued free of charge within the 30-day window; after it expires, contact support@regulation4u.com. Because digital files cannot be "returned," the rules below differ from those for physical goods, as UK and EU consumer law recognises. Download activity is logged and is used to determine refund eligibility under this policy.
The 14-day cooling-off period and its waiver
If you are a consumer in the UK or EU, you normally have a 14-day right to cancel a distance purchase without giving a reason. For digital content, that right ends early once supply begins with your agreement.
Accordingly, once any of the Materials in your order have been downloaded or accessed, all sales are final and no refund is available for change of mind, non-use, or finding the content unsuitable for your particular circumstances. Please review the tier descriptions and FAQ carefully before purchasing — and if you're unsure which tier fits your role, email us before you buy and we'll advise honestly.
Undownloaded purchases — 14-day cancellation
If you have paid but have not downloaded or accessed any of the Materials, your cancellation right remains intact. Contact us within 14 days of purchase with your order reference and we will cancel the order and issue a full refund through Paddle. Download activity is verifiable through our delivery records, which will be used to confirm eligibility.
Faulty or misdescribed content — your statutory rights
Nothing in this policy affects your statutory rights. Under the Consumer Rights Act 2015, digital content must be of satisfactory quality, fit for purpose, and as described. If the Materials are faulty — for example, files are corrupted, incomplete, inaccessible, or materially not as described on this website — contact us and we will first repair or replace the affected content (typically by reissuing working files), and where the law requires it, provide a price reduction or refund. Refunds due under this section are processed by Paddle to your original payment method.
Tier upgrades are not refunds
If you purchase a lower tier and later want a higher one, contact us: we will credit the amount of your original purchase toward the higher tier, as described in our FAQ. An upgrade credit is a discount on the new purchase, not a refund of the original one, and this policy's refund rules do not apply to it.
How refunds are processed
All payments and refunds are handled by Paddle, our merchant of record. Approved refunds are issued by Paddle to your original payment method and include any VAT or sales tax charged. Once Paddle issues a refund, the time it takes to appear in your account depends on your bank or card provider. Your purchase is also subject to Paddle's Checkout Buyer Terms; where those terms govern payment and refund mechanics, they prevail on those matters.
A note on chargebacks: if you believe a charge is wrong, please contact us first — verified issues (including faulty files) are resolved quickly and without dispute fees. Initiating a chargeback for a purchase that falls outside this policy may result in suspension of your download access while the dispute is investigated.
How to request a refund
Email support@regulation4u.com from the address used at checkout, including:
- your order reference (on your Paddle receipt email);
- the tier purchased and date of purchase;
- the reason — cancellation of an undownloaded order (Section 4) or faulty content (Section 5, describe the fault); and
- for faulty content, any screenshots or error details that help us reproduce the issue.
We will acknowledge your request, verify eligibility against our delivery records, and confirm the outcome by email. Approved refunds are then issued through Paddle as described in Section 7.
Relationship to our Terms of Service
This policy implements and should be read together with Clause 6 (Refunds, cancellation, and cooling-off waiver) of our Terms of Service, which prevails in the event of any inconsistency. This policy is governed by the laws of England and Wales. We may update it from time to time; the version in force at the time of your purchase applies to that purchase.