Refund Policy

1. The short version

The rest of this page is that same position in more detail. Nothing below contradicts the box above; if you only read one part, read that one.

2. Why digital downloads are different

For most things bought online, consumer law in the UK and the EU gives you fourteen days to change your mind for any reason at all. That right exists because you bought something without seeing it, and it ends when you send the thing back.

A PDF cannot be sent back. Once the download has run, you have the entire product, and returning it is not a thing that can happen. The same law recognises this: for digital content delivered immediately, the right to change your mind can end at the point delivery starts — provided you asked for immediate delivery and were told you were giving the right up.

That is what happens at checkout. Before payment completes, the Payhip checkout presents an acknowledgement that you are buying digital content, that it is delivered straight away, and that you are waiving the fourteen-day withdrawal right. Ticking it is what makes this section apply. If it is not ticked, it has not been agreed.

This is the standard arrangement for every digital-download seller and it is not a way of avoiding refunds — the next section is longer than this one for a reason.

3. When you get a refund

Four situations, and none of them requires an argument. In each case the fix is usually faster than the refund, so it is worth saying which you would prefer.

The file is corrupted, incomplete, or will not open

A replacement copy is sent first, because that is almost always the answer and it takes minutes. If the replacement fails too, the purchase is refunded in full. You do not lose the right to a refund by letting us try the replacement.

A duplicate charge, or the same thing bought twice by accident

The duplicate is refunded in full. This includes buying a book you already own inside a bundle — tell us and the overlap is refunded.

The wrong product was delivered

You get the right one, and the difference in price back if the one you paid for cost more. If you would rather not have either, the whole purchase is refunded.

The product materially differs from how this site describes it

Every product page states a page count, a chapter count, and what is inside. Those numbers are counted from the files and re-checked on every build. If one of them is wrong, that is our error and it is a refund — you do not have to demonstrate that the difference mattered to you.

4. When you do not

Stated plainly so there is no ambiguity, and without any suggestion that asking is unreasonable. These are simply outside what a refund covers:

• Changing your mind after downloading.
• Already knowing the material. Every product page lists the full contents before you buy, precisely so this is checkable in advance.
• Not having found time to read it.
• Wanting a different level — more advanced, more basic — than the one the page described.
• Not getting a result the book does not promise. Nothing we publish promises an income, a ranking, a follower count or a conversion rate, and the disclaimer says so explicitly.
• A third-party AI tool changing its pricing, its features or its behaviour after you bought a guide to it.

If you are not sure which side of the line you are on, ask. The worst outcome is being told no, and it costs you one email.

5. How to ask

Email info@koitacademy.com within14 days of the purchase, and include:

• The email address you paid with. Payhip files every sale against it, so without this there is nothing to look up.
• The exact product name.
• One line on what went wrong. "It will not open in Preview" is enough.

You will get a reply within 24 hours. Approved refunds are issued through Payhip, where the payment was taken, and return by the same route it arrived — typically within five to ten working days depending on your bank or PayPal, which is their timing rather than ours.

There is no form and no ticket number. The address above is read by the people who write the books.

6. Chargebacks

If something has gone wrong, please email first. Every situation in section 3 is resolved without argument, usually the same day it is read, and a refund reaches you faster that way than a chargeback does.

A chargeback filed without any prior contact is treated as a claim that the purchase was not legitimate. Where that happens, the licence granted in the terms ends, and any further use, copying or sharing of the files is no longer permitted.

This is not a threat and it is not a penalty. It is what a reversed payment means: the money has been returned, so the licence it paid for is not in force. If the chargeback was a misunderstanding, tell us and it gets sorted out.

7. What this policy does not take away

Nothing here removes rights you have under the consumer law of the country you live in. In particular, waiving the fourteen-day right to change your mind does not waive your right to products that match their description and are of satisfactory quality, and it does not affect any remedy you have if they are not.

Where this policy and your local consumer law disagree, your local law wins. The trader is{{PLACEHOLDER: registered legal entity name}}; full identity details are in the terms.