1. Nature of Digital Products & Services
1.1. Intangible Goods: All services, software utilities, digital tool accesses, and subscription plans offered by Torbisgo Limited are intangible digital goods delivered electronically via the internet. No physical items, hardware, or printed goods will be shipped. 1.2. Instant Delivery: Unless otherwise specified at the time of purchase, digital access is provisioned immediately or shortly after payment confirmation is successfully received.
2. Statutory Cancellation Rights (UK & EU Consumers)
2.1. The 14-Day Cooling-Off Period: If you reside in the United Kingdom or the European Union and are contracting as a consumer (acting outside your trade, business, craft, or profession), you generally have the statutory right to cancel your contract within 14 days of purchase without giving any reason, pursuant to the Consumer Contracts Regulations 2013. 2.2. Waiver of Cancellation Rights for Digital Content: By purchasing an immediate-access subscription, downloading digital assets, or utilizing our online tools, you expressly consent to the immediate performance and delivery of the service. You explicitly acknowledge and agree that:
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Once the digital service or tool has been fully accessed, activated, or used, your statutory right of cancellation and refund ceases.
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If you have not accessed, logged into, or used the digital service since your initial purchase, you may exercise your 14-day cancellation right by notifying us in writing at [email protected].
3. General No-Refund Policy After Activation
3.1. Except as expressly provided in this Policy or mandated by applicable UK consumer protection laws, all fees and charges are non-refundable, and there are no refunds or credits for partially used subscription periods, unused tool credits, or unutilized features. 3.2. Change of Mind: We do not offer refunds if you simply change your mind, fail to use the tools effectively, or find that the service does not align with your subjective expectations after successful activation.
4. Exceptional Circumstances for Refund Review
While our default policy is non-refundable due to the digital nature of our business, our support team will review refund requests on a strict case-by-case basis only under the following limited conditions: 4.1. Duplicate Billing Errors: You were accidentally charged multiple times for the exact same billing cycle or product tier due to a confirmed technical glitch in our payment gateway. 4.2. Catastrophic Platform Failure: A verified, major technical outage or systemic failure originating entirely from our servers completely prevented you from accessing or utilizing the purchased tools for a continuous period of at least 7 business days, and our engineering team was unable to resolve the issue or provide an effective workaround. 4.3. Exclusions: Refunds will not be granted for technical issues, performance lags, or incompatibilities arising from your local network limitations, browser extensions, outdated hardware, or third-party software outside of our direct control.
5. Sanctions Compliance & Termination (Zero Refund)
5.1. Regulatory Obligations: Torbisgo Limited strictly complies with international trade laws, economic sanctions, and export controls imposed by the United Kingdom, the United States, and other applicable authorities. 5.2. Forfeiture of Fees: If your account, subscription, or access to our services is suspended, restricted, or terminated due to Sanctions Compliance violations (including, but not limited to, being located in, organized under the laws of, or ordinarily resident in any country or territory subject to comprehensive sanctions or embargoes, or being identified on any restricted party list such as those maintained by OFAC), you shall not be entitled to any refund, financial compensation, or prorated credit for any remaining subscription duration or unused tool credits. All access rights are immediately revoked without liability to Torbisgo Limited.
6. Chargebacks and Payment Disputes
6.1. We strongly encourage you to contact our support team first to resolve any billing discrepancies or technical concerns before initiating a formal chargeback or payment dispute with your bank or credit card issuer. 6.2. Filing an unauthorized or fraudulent chargeback while retaining access to our digital tools may result in the immediate and permanent termination of your account, alongside potential legal actions to recover processing fees and associated costs incurred by Torbisgo Limited.
7. Modifications to This Policy
We reserve the right to amend, update, or modify this Refund and Returns Policy at any time at our sole discretion. Any changes will become effective immediately upon being posted on this website, with the “Last updated” date revised accordingly. Your continued use of our services after any modification signifies your acceptance of the updated terms.
8. Contact Information & Support Requests
If you believe you meet the criteria for a refund review or have any questions concerning our billing practices, please submit a detailed request containing your account username, transaction ID, and supporting evidence to:
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Company Name: Torbisgo Limited
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Support & Billing Email: [email protected]
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Registered Address: 14 Wells View Drive, London, England, BR2 9UL