Refund Policy

Thank you for engaging with AssetStructure.Space (Registration No: 63189173). This Refund Policy outlines our policies and procedures regarding refunds for services, products, and materials provided through our website https://assetstructure.space/.

We are committed to customer satisfaction while maintaining fair policies that reflect the nature of our educational services and digital content.

1. Overview of Services

AssetStructure.Space primarily provides:

• Free educational content through our blog and website
• Downloadable white papers and research materials (free or paid)
• Consultation services (if applicable)
• Premium educational content or courses (if applicable)
• Subscription services (if applicable)

2. Free Content and Materials

The majority of content on AssetStructure.Space is provided free of charge, including:

• Blog articles and posts
• Educational guides and frameworks
• Basic white papers and research summaries
• Newsletter subscriptions

Refund Policy: As these materials are provided at no cost, no refunds are applicable. However, you may unsubscribe from email communications at any time using the unsubscribe link in our emails or by contacting us directly.

3. White Papers and Research Materials

3.1 Free White Papers

Our comprehensive white papers requested through contact forms are currently provided free of charge. Since there is no payment involved:

• No refund is required or applicable
• You may request to have your information removed from our database at any time
• You may opt out of future communications

3.2 Future Paid Digital Products

If we introduce paid white papers, research reports, or other digital products in the future, the following refund policy will apply:

4. Consultation Services

If consultation services are purchased, the following refund policy applies:

4.1 Before Service Delivery

If you cancel before your scheduled consultation:

• More than 72 hours before: Full refund minus 10% administrative fee
• 48-72 hours before: 50% refund
• Less than 48 hours before: No refund (appointment fee forfeited)

4.2 After Service Delivery

Once a consultation has been completed:

• No refunds are provided for completed consultations
• If you are dissatisfied, please contact us to discuss resolution options
• We may offer complimentary follow-up sessions in cases of legitimate service issues

4.3 Our Cancellation

If we must cancel your consultation:

• You will receive a full 100% refund
• We will attempt to reschedule at your convenience
• You may receive priority scheduling for future appointments

5. Subscription Services (If Applicable)

If we offer subscription-based services, such as premium content access or ongoing research delivery:

5.1 Monthly Subscriptions

• Trial Period: 14-day money-back guarantee for first-time subscribers
• After Trial: Cancel anytime; no refund for current billing period
• Pro-Rating: No pro-rated refunds for partial months

5.2 Annual Subscriptions

• First 30 Days: Full refund minus any materials already accessed
• After 30 Days: Pro-rated refund for unused months (minimum 6 months remaining)
• Cancellation: Access continues through current billing period

6. Non-Refundable Circumstances

Refunds will NOT be provided in the following circumstances:

• Changed Mind: After fully downloading or accessing digital content
• Market Performance: Investment losses or poor market performance (our content is educational, not investment advice)
• Misunderstanding: Failure to understand that our content is educational, not personalized financial advice
• Technical Issues: Problems accessing content due to your equipment, internet connection, or software (we will assist with legitimate technical issues on our end)
• Policy Violations: If you violated our Terms & Conditions
• Chargebacks: If you initiate a chargeback instead of contacting us first
• Content Already Used: If you have accessed, downloaded, or utilized the purchased materials

7. Refund Request Process

To request a refund, please follow these steps:

Step 1: Contact Us

Send an email or call us with the following information:

• Your full name and contact information
• Order number or transaction ID
• Date of purchase
• Product or service purchased
• Detailed reason for refund request
• Any supporting documentation

Step 2: Review Period

• We will review your request within 5 business days
• We may contact you for additional information
• We will investigate any technical or service issues

Step 3: Decision Notification

• You will receive our decision via email
• If approved, refund processing will begin immediately
• If denied, we will provide a clear explanation

Step 4: Refund Processing

• Approved refunds are processed within 10 business days
• Refunds are issued to the original payment method
• Additional processing time may be required by your bank or credit card company

8. Refund Methods

Refunds will be issued using the same payment method used for the original purchase:

Note: We cannot refund to a different payment method than was used for the original purchase due to security and fraud prevention policies.

9. Partial Refunds

In certain circumstances, we may issue partial refunds:

• Bundled Products: If you have used some but not all components of a bundled package
• Subscription Services: Pro-rated refunds for unused portion of annual subscriptions (after initial 30-day period)
• Technical Issues: If service was partially unavailable due to technical problems on our end
• Quality Issues: If only part of the content failed to meet our quality standards

Partial refund amounts are determined on a case-by-case basis and will be clearly communicated before processing.

10. Dispute Resolution

If you disagree with our refund decision:

Step 1: Request Review

Request a review by a senior team member within 14 days of the original decision. Provide:

• Original refund request details
• Previous decision and reasoning
• Additional information supporting your position

Step 2: Senior Review

• Senior management will review within 7 business days
• Fresh evaluation of all circumstances
• Final decision will be provided in writing

Step 3: Alternative Resolution

If you remain dissatisfied after our final decision:

• We encourage good-faith negotiation to reach a mutually acceptable resolution
• You may pursue dispute resolution through applicable consumer protection agencies
• Arbitration or legal proceedings may be available per our Terms & Conditions

11. Exchanges and Credits

In lieu of refunds, we may offer alternatives:

11.1 Product Exchanges

• Exchange one digital product for another of equal or lesser value
• Available within 30 days of original purchase
• Original product must not have been fully accessed

11.2 Account Credits

• Credit applied to your account for future purchases
• Credits do not expire
• Can be used for any products or services
• Non-transferable and non-refundable to cash

11.3 Complimentary Services

• Additional consultation time or support
• Access to premium content for a limited period
• Priority customer service

12. Force Majeure and Service Interruptions

In cases of service interruption due to circumstances beyond our control:

12.1 Qualifying Events

• Natural disasters (earthquakes, floods, fires)
• War, terrorism, or civil unrest
• Government actions or regulations
• Internet or telecommunications failures
• Pandemics or public health emergencies

12.2 Our Response

• We will attempt to restore service as quickly as possible
• Subscription periods may be extended to compensate for downtime
• Partial refunds may be offered for extended outages
• Regular communication about service restoration efforts

13. Educational Nature Acknowledgment

14. Fraudulent Requests

We take fraud seriously and reserve the right to:

• Deny refund requests we believe to be fraudulent or abusive
• Suspend or terminate accounts involved in fraudulent activity
• Report suspected fraud to appropriate authorities
• Take legal action to recover losses from fraudulent refund claims

Examples of fraudulent behavior include:

• Claiming non-receipt of digital products that were successfully delivered
• Initiating chargebacks after receiving full service
• Using multiple accounts to repeatedly request refunds
• Claiming refunds for products shared with others

15. Changes to This Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective when posted on our website with an updated "Last Updated" date.

For purchases made before policy changes:

• The refund policy in effect at the time of purchase will govern
• You will be notified of material changes via email
• Continued use of services constitutes acceptance of policy changes

16. Contact Information for Refund Requests

17. Customer Satisfaction Commitment

While this policy outlines our formal refund procedures, we are committed to customer satisfaction. If you experience any issues with our products or services:

• Contact us first: Many issues can be resolved through direct communication
• Explain your concerns: Help us understand how we fell short of expectations
• Give us opportunity: Allow us to make things right before requesting a refund
• Provide feedback: Your input helps us improve our services for all customers

We value every customer relationship and will work reasonably to ensure your satisfaction within the bounds of our policies and the educational nature of our services.

18. Governing Law

This Refund Policy is governed by the laws of Switzerland. Any disputes arising from refund requests or this policy shall be resolved in accordance with Swiss law and jurisdiction.

19. Acceptance

By purchasing products or services from AssetStructure.Space, you acknowledge that:

• You have read and understood this Refund Policy
• You agree to the terms and conditions outlined herein
• You understand the educational nature of our offerings
• You accept responsibility for your purchase decisions

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Thank you for choosing AssetStructure.Space for your educational needs.