Refund Policy

Last updated: September 26, 2025

This Refund Policy establishes the general principles, grounds, and procedure for refunds to Buyers for digital products purchased on the Lumini marketplace.

It applies to all Buyers and Authors using the Platform and supplements, but does not replace, the Terms of Use. In the event of a conflict regarding refunds, the Terms of Use shall prevail.

The Policy is drafted in accordance with the applicable laws of the European Union and the Republic of Cyprus, in particular the rules governing distance sales and digital content, and ensures transparent and fair consumer protection mechanisms.

Refunds are processed exclusively through the authorised payment partners of the Platform, and decisions on chargebacks are made by the relevant payment systems.

The core principles of this Refund Policy are: clarity of conditions, timely review of requests, proportionality in cases of bundle purchases, use of the same payment method for reimbursement unless otherwise agreed, and the possibility of adjusting Author payouts in connection with approved refunds.

For the purposes of these Refund Policy, the words “they” and their derivatives apply equally to all persons, irrespective of gender-neutral, and include both natural and legal persons unless the context requires otherwise.

1. DEFINITIONS

1.1. Services means the set of functionalities and opportunities provided by the Platform to Users, including enabling Authors to offer their works, enabling Buyers to purchase such works, and ensuring the technical, informational, and organizational support necessary for the operation of the marketplace.

1.2. Author means a User who, through the Platform, offers works, goods, or services for sale to Buyers under the rules and functionality of the Platform.

1.3. Buyer means a User who, through the Platform, purchases works, goods, or services offered by Authors under the rules and functionality of the Platform.

1.4. User means a common name for Author and Buyer.

1.5. Platform’s website (hereinafter referred to as the “Site”) means a web page or a group of web pages on the Internet located at:https://lumini.net/

1.6. Platform “Lumini” (hereinafter referred to as the “Platform” or “Lumini”) means an online marketplace operated by a self-employed person registered in the Republic of Cyprus.

1.7. Privacy Policy is a written document that regulates the collection and processing of personal data. More detailed information is available at the following link.

1.8. Terms of Use are a written document that regulates the conditions for using the Platforms. More detailed information is available at the following link

2. REFUNDS

2.1. The Buyer shall be entitled to exercise the right of withdrawal within fourteen (14) calendar days from the date of purchase, provided that the conditions for such withdrawal, as set out in this Policy, are met. Upon receipt of a valid withdrawal or refund request, the Platform shall ensure that the corresponding payment is reimbursed to the Buyer without undue delay and, in any event, no later than fourteen (14) calendar days from the date on which the Buyer communicated the request. The reimbursement shall be made using the same means of payment as was originally used for the transaction, unless the Buyer has expressly agreed otherwise and provided that no additional costs are incurred as a result of such alternative method.

2.2. If a digital product is technically defective, corrupted, or does not correspond to the description provided by the Author, the Buyer is entitled to a refund. In such cases, the refund shall be limited to the specific product affected.

2.3. If the Buyer purchases a bundle or package of multiple digital products, and one or more of the included products is defective or does not correspond to its description, the Buyer shall be entitled to a proportional refund (e.g., one-fifth of the purchase price if one of five items is defective).

2.4. Refunds shall not be granted in the following cases:
2.4.1. the Buyer has already downloaded, accessed, or otherwise used the product, except where it is defective;
2.4.2. dissatisfaction with the product that does not relate to its functionality or compliance with the description;
2.4.3. issues caused by the Buyer’s device, software, or internet connection.

2.5. The Buyer must submit a refund request to the Platform’s support service by email at info@lumini.net within fourteen (14) calendar days from the date of purchase. The refund request must include: a) the order number or receipt confirming the purchase; b) the title of the product(s) concerned; c) a description of the reason for the refund (e.g., product not downloaded, product defective, or product not as described).

2.6. Upon receipt of the refund request, the Platform will acknowledge the request within three (3) business days and initiate a review in cooperation with the Author.

2.7. The Platform will verify whether the conditions for a refund are met (for example, whether the product has been downloaded, whether technical defects are confirmed, or whether the description provided was misleading).

2.8. Transaction fees and charges imposed by payment service providers or intermediary banks (including Stripe, PayPal, Payoneer) shall not be refunded, as such fees are collected by third parties. The refund amount to the Buyer shall be the full price paid for the Digital Product. Any transaction fees and charges imposed by payment service providers may be deducted from the Author’s subsequent payouts or balance, and the Platform shall not be liable for reimbursing such fees to the Author.

2.9. In the event that a refund is approved after the Author has already received payout for the relevant transaction, the refunded amount shall be deducted from the Author’s subsequent payouts.

2.10. The Platform reserves the right to decline refund requests if there are reasonable grounds to believe that the request is abusive, fraudulent, or inconsistent with the principles of fair use.

2.11. The Platform shall notify the Buyer of the outcome of the refund request by sending a written notice to the email address provided during registration. Such notice shall be delivered within seven (7) calendar days from the date of receipt of the refund request and shall specify whether the request has been approved, partially approved, or refused, the product(s) concerned, the refund amount and currency, the method of reimbursement, and, in the case of refusal, the reasons for denial.

3. IMPLEMENTATION OF CHANGES

3.1. The Platform reserves the right to amend this Refund Policy at any time. Any changes will be effective immediately upon posting the updated version on the Site.

3.2. Users are responsible for reviewing the Refund Policy periodically. Continued use of the Services after any changes are posted constitutes your acceptance of the new terms.

3.3. Our electronic or otherwise stored copies of the Refund Policy are deemed to be the true, complete, valid, and enforceable versions of this Refund Policy that are in effect at the time you visit the Site. If the User uses the Services after the date of update of the Refund Policy, we have the right to assume that the User has read the new version of the Refund Policy and agrees to the terms of the Services.