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© 2025 CGD Vibes
CGD Vibes is more than a platform, it’s a movement.
Empowering creators, dreamers, and doers to rise with purpose, grow with community, and build something that truly reflects their vibe.
© 2025 CGD Vibes
Last Updated: December 15, 2025
At CGD Vibes, we aim to provide a fair, transparent, and legally compliant purchasing experience for buyers, while protecting the integrity of our platform, sellers, and partners.
This Refund Policy explains how refunds, cancellations, disputes, and chargebacks are handled on the CGD Vibes platform.
By completing a purchase on CGD Vibes, you agree to this Refund Policy, in addition to our Terms of Service and any applicable addenda.
1. Platform Role & Authority (Important)
CGD Vibes acts as the Merchant of Record (MoR) for all transactions processed on the platform.
This means that CGD Vibes controls:
While Sellers are responsible for the content, fulfillment, and delivery of their products or services, CGD Vibes retains sole and final authority over all refund and dispute decisions, as required to comply with applicable laws, financial regulations, and payment-processor rules.
2. General Refund Principles
By completing a purchase on CGD Vibes, you explicitly acknowledge and agree that:
Key Principles:
2A. Product Warranties & Disclaimers
All products and services on CGD Vibes are provided "AS IS" and "AS AVAILABLE."
To the maximum extent permitted by law:
Your sole remedy for dissatisfaction is a refund request in accordance with this Refund Policy, where eligible.
Nothing in this section limits or excludes mandatory consumer protection rights that cannot be waived under applicable law, including implied warranties that cannot be disclaimed. Where such laws apply, they shall prevail over any conflicting provision of this section.
3. Digital Products (Downloads, Templates, E-books, Digital Files)
Digital product sales are final once downloaded or accessed.
Refund Window: 7 days from purchase
Eligibility Requirements:
Once a digital file is downloaded or accessed, NO refunds will be issued, as the product has been delivered and cannot be returned.
Technical Issues: If you experience legitimate technical issues preventing access to your purchased digital product, contact [email protected] within 7 days of purchase. We will work to resolve access issues before considering refund eligibility.
Nothing in this section limits or excludes mandatory consumer protection rights that cannot be waived under applicable law. Where required by law, CGD Vibes will issue refunds or remedies notwithstanding this section.
4. Online Courses & Educational Programs
Standard Refund Window: 7 days from purchase date
Refunds are available ONLY if ALL of the following conditions are met:
After 20% of course content is accessed OR 7 days have passed (whichever comes first), the course becomes non-refundable.
Why This Policy? Courses provide immediate value upon access. This policy protects creators while giving buyers a reasonable evaluation window.
Seller-Extended Refund Windows: Individual course creators may offer extended refund windows (e.g., 14 or 30 days) on their product pages, but ONLY if:
Unless an extended window is explicitly stated and approved, the standard 7-day / 20% policy applies.
Subscription-Based Courses:
5. Communities, Memberships & Subscriptions
Monthly and Annual Memberships:
Cancellation: You may cancel at any time
First Billing Period Exception: Refunds may be issued within 48 hours of the first charge IF:
After 48 hours or any community participation, NO refunds will be issued for the current period.
Subscription Renewals: Recurring subscriptions automatically renew. NO refunds are provided for renewal charges. You must cancel before the renewal date to avoid charges.
6. Physical Products
For eligible physical goods sold on CGD Vibes:
Return Window: 14 days from delivery date
Return Eligibility:
Non-Returnable Items:
Return Shipping:
Refund Processing: Once the return is received and inspected, refunds are issued within 5-10 business days to the original payment method.
7. Events, Webinars & Live Sessions
Event tickets and live session passes are generally non-refundable.
Refunds may be issued ONLY if:
No refunds for:
Event Credits: At CGD Vibes' sole discretion, credits or transfers to future events may be offered but are not guaranteed.
8. Coaching, Consulting & One-on-One Services
Before First Session: Refunds available if requested BEFORE the first session is scheduled or attended.
After First Session Occurs: Once the first session of a coaching package or consulting engagement has taken place, the entire package becomes non-refundable.
Session Rescheduling:
Why This Policy? Service providers reserve time specifically for you. Once that time is committed, the value has been delivered.
9. Seller Refund Policies & Platform Authority
Seller-Proposed Refund Terms: Sellers may propose refund terms for their products or services, provided such terms:
Important Limitations:
Platform Authority is Final: CGD Vibes retains sole and final authority to approve, deny, issue, reverse, or enforce refunds, credits, chargebacks, or corrective actions, including without Seller consent when required for:
10. Seller Refund Restrictions - Prohibited Conduct
Sellers are STRICTLY PROHIBITED from:
Why This Matters:
Legal Effect of Unauthorized Promises: Any refund representation, guarantee, or promise made by a Seller that contradicts or exceeds this Refund Policy is:
If a Buyer Requests a Refund: Sellers must direct buyers to: [email protected]
Sellers may NOT:
Consequences for Violations:
First Violation:
Subsequent Violations:
Seller Acknowledgment: By selling on CGD Vibes, Sellers explicitly acknowledge that:
11. How to Request a Refund
To request a refund (when eligible):
Step 1: Contact [email protected] with:
Step 2: Submit within the applicable timeframe:
Step 3: Wait for review
Step 4: Refund processing (if approved)
Important: Submitting a refund request does NOT guarantee approval. All requests are evaluated based on this policy and applicable law.
11A. Refund Processing - Limitations & Force Majeure
CGD Vibes will make reasonable efforts to process approved refunds promptly.
However, refund processing may be delayed or temporarily unavailable due to circumstances beyond CGD Vibes' reasonable control, including but not limited to:
In such cases:
This section does not limit refund rights, only acknowledges practical processing limitations.
12. Maximum Refund Window - Absolute Final Cutoff
TIME-BARRED REQUESTS:
Except where mandatory consumer protection law explicitly requires otherwise, NO refund requests of any kind will be considered, reviewed, or approved after the LATER of:
A) The product-specific refund window stated in Sections 3-8 above, OR
B) Fourteen (14) calendar days from the original transaction date
After this maximum window expires:
WHY THIS DEADLINE EXISTS:
This cutoff applies regardless of:
MANDATORY CONSUMER LAW EXCEPTION:
This deadline does NOT apply where consumer protection laws mandate longer refund periods for specific products or circumstances. In jurisdictions with statutory cooling-off periods, withdrawal rights, or other mandatory protections, those laws supersede this deadline.
Examples of laws that may override this deadline:
If you believe mandatory consumer law entitles you to a refund beyond this deadline, you must:
CGD Vibes will honor legitimate legal requirements but will verify all claims of extended legal rights.
13. Chargebacks & Payment Disputes
What is a Chargeback? A chargeback occurs when a buyer disputes a transaction directly with their bank or credit card issuer, bypassing CGD Vibes' refund process.
Common chargeback reasons:
CGD Vibes' Authority: As Merchant of Record, CGD Vibes retains full authority to manage, contest, accept, resolve, or settle chargebacks at its sole discretion.
Financial Impact: When a chargeback occurs:
Seller Cooperation Required: Sellers must promptly provide:
Failure to cooperate may result in automatic chargeback loss and permanent financial liability.
High Chargeback Rates: Sellers with chargeback rates exceeding 0.5% may face:
13A. Dispute Resolution for Refund Matters
All disputes, claims, or controversies arising from or relating to this Refund Policy, any refund request, denial, or chargeback shall be resolved in accordance with the Dispute Resolution provisions in CGD Vibes' Terms of Service.
Important Limitations:
This section is subject to applicable mandatory consumer protection laws that cannot be waived. Where such laws prohibit arbitration or class action waivers, those laws shall prevail.
For Canadian residents: This clause does not affect any non-waivable rights under Quebec or provincial consumer protection laws.
For EU/UK residents: This clause does not affect your rights under applicable consumer protection directives.
14. Refund & Chargeback Abuse
Abuse of the refund system includes, but is not limited to:
Consequences for Abuse: CGD Vibes reserves the right to:
15. Legal Compliance & Consumer Protection
This Refund Policy is subject to mandatory consumer protection laws.
If local, state, provincial, or federal law requires a refund or remedy that conflicts with this policy, CGD Vibes will comply with applicable law.
Jurisdictions with Enhanced Consumer Rights:
Where enhanced consumer rights apply, they supersede conflicting provisions of this policy.
15A. Québec Consumer Protection Act - Specific Provisions
For buyers located in Québec, Canada:
Purchases made on CGD Vibes are subject to the Consumer Protection Act (CPA), R.S.Q., c. P-40.1.
Distance Contract Rights: For contracts concluded at a distance (online purchases), you have the right to:
Digital Content & Services: Per sections 54.1-54.8 of the CPA:
Non-Waivable Rights: Nothing in this Refund Policy waives or limits your rights under:
If any provision of this Refund Policy conflicts with mandatory Québec consumer protection law, the law prevails and the conflicting provision is severed.
For questions about your Québec consumer rights: Office de la protection du consommateur: www.opc.gouv.qc.ca
16. Relationship to Other Documents & Hierarchy
This Refund Policy operates in conjunction with and is governed by the following documents, in descending order of authority:
In the event of any conflict, documents higher in the hierarchy prevail.
CGD Vibes' authority as Merchant of Record shall not be limited by any Seller policy, representation, or communication.
17. Changes to This Policy
CGD Vibes may update this Refund Policy at any time to:
Updated policies become effective immediately upon posting. Continued use of the platform constitutes acceptance of the updated policy.
Material changes affecting active purchases will be communicated via email where reasonably possible.
18. Contact & Questions
For refund-related questions, concerns, or requests, contact:
Email: [email protected]
Subject Line: "Refund Request - [Order Number]"
Please include:
We aim to respond to all refund inquiries within 2-3 business days.