Refund Policy

1. Our Commitment to You

At Moneylab, we stand behind the quality of our digital products and services. We want you to be completely satisfied with your purchase. This Refund Policy outlines the terms and conditions under which we offer refunds for purchases made through our website at money-lab.app.

Our refund policy is designed to be fair to both our customers and our business. By making a purchase from Moneylab, you acknowledge that you have read, understood, and agree to this Refund Policy.

2. Digital Products Refund Policy

2.1 30-Day Money-Back Guarantee

We offer a comprehensive 30-day money-back guarantee for all digital products, including AI toolkits, prompt templates, educational materials, and pre-built frameworks. If you are not completely satisfied with your purchase for any reason, you may request a full refund within thirty (30) calendar days from the date of purchase.

2.2 No Questions Asked

We offer this guarantee with no questions asked. You do not need to provide extensive explanations or justifications for your refund request. Your satisfaction is our priority, and if a product doesn't meet your expectations, we want to make it right.

2.3 Eligible Products

The 30-day money-back guarantee applies to all digital products and downloadable resources sold by Moneylab, including but not limited to:

• AI toolkits and frameworks
• Prompt templates and collections
• Educational courses and guides
• Software and code libraries
• Templates and design assets
• Pre-built systems and workflows

2.4 Conditions on Digital Product Refunds

While we offer a no-questions-asked refund guarantee, we do ask that:

• You request the refund within thirty (30) calendar days of purchase
• Your account is in good standing and not engaged in suspicious activity
• You are not requesting refunds in a pattern that suggests abuse of this policy (e.g., repeatedly purchasing and refunding the same products)
• Your refund request is genuine and not the result of fraudulent activity

We reserve the right to deny refunds that appear to be part of a pattern of abuse or fraud, or if we reasonably believe your account is engaging in prohibited activity.

2.5 Digital Product Refund Limitations

Please note the following limitations on digital product refunds:

• No Re-purchase After Refund: After receiving a refund, you will lose access to the digital product. If you wish to use the product again in the future, you will need to purchase it again.
• Download and Usage Rights: Upon purchasing a digital product, you have the right to download and review the product during the 30-day refund period. This review period allows you to determine if the product meets your needs before your refund eligibility expires.
• Non-Refundable Purchases: Any purchases marked as "non-refundable" at the time of purchase are excluded from this refund policy.

3. API Access Refund Policy

3.1 7-Day Trial Period for API Subscriptions

For API access subscriptions and services, we offer a 7-day trial and evaluation period. If you are not satisfied with the API service within the first seven (7) calendar days of your purchase, you may request a prorated refund based on your usage.

3.2 Prorated Refunds

API refunds are calculated on a prorated basis. The refund amount will be calculated based on:

• The number of days used during the 7-day period
• Your actual API usage during that period
• Any API calls or transactions processed

For example, if you purchased a $100 monthly API subscription and used it for 2 days, making 50 API calls, your refund would be calculated based on the daily rate minus your usage costs.

3.3 API Refund Limitations

The following limitations apply to API access refunds:

• 7-Day Window Only: Refund requests must be made within seven (7) calendar days of purchase. After this period, no refunds will be issued.
• Usage-Based Refunds: If you have used the API extensively, the refund will be reduced accordingly. Heavy usage may result in minimal or no refund.
• Unauthorized Usage: If API access has been used in violation of our Terms of Service or API terms, we will not issue a refund.
• Monthly Subscriptions: For monthly API subscriptions, the 7-day refund applies only to new subscriptions. Renewal charges are subject to the same refund window.

3.4 Cancelled Subscriptions

If you cancel your API subscription outside the 7-day refund window, no refund will be issued. However, your subscription will be cancelled, and you will not be charged for future billing cycles. You will maintain access until the end of your current billing period.

4. How to Request a Refund

4.1 Refund Request Process

To request a refund, please follow these steps:

1. Email Your Request: Send a refund request email to [email protected] with the subject line "Refund Request."
2. Include Details: Provide the following information in your email:
   • Your full name
   • Email address associated with your account
   • Order ID or purchase date
   • Product or service name
   • Brief explanation of why you're requesting a refund (optional, since we offer no-questions-asked refunds)
3. Verify Within Window: Ensure your refund request is made within the applicable refund window (30 days for digital products, 7 days for API access).
4. Wait for Confirmation: We will review your refund request and respond within 24-48 hours to confirm the request has been processed.

4.2 Refund Communication

Once your refund request is processed, we will send you a confirmation email with details about the refund, including the refund amount and expected timeline.

4.3 Account Deactivation

Upon approval of your refund request for digital products, your access to the purchased content will be deactivated. For API refunds, your API keys will be deactivated, and you will lose access to the API service.

5. Refund Processing Timeline

5.1 Processing Duration

Once a refund request is approved, the refund will be processed within five (5) to ten (10) business days. This timeline begins from the date we approve your refund request.

5.2 Bank Processing Time

Please note that the time it takes for the refund to appear in your account may vary depending on your financial institution. Some banks take 2-5 business days to process the refund. We are not responsible for delays caused by your bank or credit card company.

5.3 Tracking Your Refund

After your refund is processed, we will provide you with a refund confirmation number via email. You can contact us with this number if you need to follow up on your refund status.

6. Refund Method

6.1 Original Payment Method

All refunds will be issued to the original payment method used for the purchase. Refunds are processed through Stripe, our secure payment processor.

6.2 Credit Card Refunds

If you paid by credit card or debit card, the refund will be credited back to your card. Depending on your card issuer, it may take 5-10 business days for the refund to appear on your statement.

6.3 Alternative Payment Methods

If you used an alternative payment method (such as digital wallets, bank transfers, or other payment processors), the refund will be processed according to that payment method's policies and timelines.

6.4 Refund Fees

We do not charge any fees for processing refunds. The full refund amount (or prorated amount for API services) will be returned to your original payment method without deductions, except as may be required by law or your payment provider.

7. Non-Refundable Circumstances

7.1 Policy Violations and Fraud

Refunds will not be issued if:

• The refund request is made outside the applicable refund window
• Your account is flagged for fraudulent activity or policy violations
• You are requesting refunds in a pattern that suggests abuse of this policy
• The purchase was made with a disputed, fraudulent, or stolen payment method
• You have violated our Terms of Service or Acceptable Use Policy
• The product is marked as "non-refundable" at time of purchase

7.2 Contact Support First

If you have concerns about a purchase or encounter issues with a product or service, we encourage you to contact our support team at [email protected] before requesting a refund. We may be able to resolve your issues and provide additional support that will satisfy your needs.

8. Special Circumstances

8.1 Technical Issues

If you experience technical issues preventing you from accessing your purchased product or service after the 30-day refund window (for digital products) or 7-day window (for API), please contact our support team at [email protected]. We will work with you to resolve the technical issue before considering a refund outside the standard windows.

8.2 Service Discontinuation

If Moneylab discontinues a product or service, we will make reasonable efforts to provide notice to affected customers and will offer prorated refunds for any prepaid services that will no longer be available.

8.3 Billing Errors

If you were charged incorrectly due to a billing error, please contact us immediately at [email protected] with details of the error. We will investigate and correct any errors, issuing a refund for duplicate or erroneous charges.

9. Policy Changes

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website. Your continued use of the Services after changes to this policy constitutes acceptance of the modified terms. For significant changes, we will provide notice to existing customers.

Refunds for purchases made before a policy change will be processed according to the policy in effect at the time of purchase.

10. Contact Us

If you have questions about this Refund Policy or need to request a refund, please contact us:

Thank you for your business. We're committed to your satisfaction and want to ensure you have the best experience with our products and services.

This Refund Policy is effective as of March 23, 2026. Please review this policy regularly for updates.