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© 2026 CGD Vibes™. All rights reserved.
Last Updated: December 15, 2025
This Refund Policy applies to all purchases made on the CGD Vibes platform operated by N.W. Marketing Inc. ("CGD Vibes," "we," "us," or "our").
1. Merchant of Record
CGD Vibes is the Merchant of Record for all transactions. All refund requests must be submitted to CGD Vibes at [email protected]. Sellers cannot issue refunds directly. This Refund Policy applies to all purchases made on the CGD Vibes platform operated by N.W. Marketing Inc.
2. Refund Eligibility by Product Type
2.1 Digital Educational Content (Courses, Educational Programs, Training)
2.2 Instant Downloads (Templates, E-books, PDFs, Digital Files, Downloadable Resources)
NO REFUNDS - All instant download products are final sale due to the nature of digital content and immediate delivery.
Exceptions apply only in the following cases:
2.3 Physical Products
Within 30 days of delivery, unused/unopened condition
2.4 Services/Coaching
Within 24 hours after first session with written reason
2.5 Subscriptions
Pro-rated refund for technical platform failures only
3. Refund Requirements
All Refunds Must Demonstrate a Legitimate Issue:
Refunds Are NOT Granted For:
4. Special Rights for EU/EEA Consumers
4.1 EU Consumer Rights Directive - 14-Day Withdrawal Right
If you are located in the EU/EEA, you have the right to withdraw from your purchase within 14 days without giving any reason, EXCEPT for digital content where:
By purchasing and accessing digital content, you:
Before access begins: You may cancel within 14 days for a full refund by contacting [email protected]
4.2 Partial Refunds for Subscriptions
For EU/EEA consumers, unused portions of subscription periods may be refunded on a pro-rated basis upon cancellation, except where immediate access was provided with express consent.
5. Quebec Consumer Protection Rights
For Quebec consumers (individuals residing in Quebec purchasing for personal use), nothing in this policy limits rights under:
Where Quebec law provides greater protection or different rights than this policy, Quebec law prevails. You retain all rights to pursue legal action in Quebec courts.
6. Refund Request Process
How to Request: Submit requests to [email protected] with:
Processing Time:
Exchange Rates: For international purchases, refunds are issued in the original purchase currency. Any currency conversion is handled by your financial institution.
7. Verification and Documentation
To process refund requests, CGD Vibes may:
Access and usage are tracked through platform analytics showing content views, downloads, login history, and engagement metrics.
8. Disputes and Chargebacks
What is a Chargeback?
A chargeback occurs when you dispute a transaction directly with your bank or credit card issuer instead of contacting CGD Vibes. While chargebacks exist to protect consumers from fraud, they should only be used as a last resort.
Understanding Chargeback Costs:
Chargebacks are significantly more expensive than refunds for everyone involved:
For a Standard Refund:
For a Chargeback:
Why Chargebacks Cost More:
Understanding "Friendly Fraud":
Some chargebacks occur due to misunderstandings or simple errors rather than actual fraud, such as:
While these situations are often unintentional, they are commonly referred to as "friendly fraud" and still result in significant costs and administrative burden for the platform and sellers.
We Strongly Encourage You to Contact Us First:
Most issues can be resolved quickly and at no cost through our support team. By contacting [email protected] first, you:
Recommended Resolution Process: We strongly recommend that you contact [email protected] before initiating a chargeback. In most cases, we can resolve issues within 5-10 business days, which is much faster than the 30-90 day chargeback process.
Chargeback Consequences:
Filing a chargeback without first attempting to resolve the issue through our support may result in:
9. Dispute Resolution Timeline
If your refund request is denied:
10. Platform Technical Failures
Force Majeure: Refunds for platform-wide technical failures are handled on a case-by-case basis. Technical access failure means:
User-side technical issues (internet connectivity, device compatibility, browser issues) do not qualify for refunds.
11. Seller Cooperation
Sellers must cooperate with refund investigations by providing:
12. Modifications
We may update this policy at any time. Material changes take effect 30 days after posting. Continued use after changes constitutes acceptance. For material changes affecting your rights, we will provide notice via email.
13. Governing Law
This policy is governed by Quebec law and applicable consumer protection legislation in your jurisdiction. Nothing in this policy limits mandatory consumer protection rights under applicable law, including but not limited to:
14. Contact
Refund Requests: [email protected]
Legal Questions: [email protected]
Dispute Escalation: [email protected]
COMPANY INFORMATION:
Name: CGD Vibes
CGD Vibes is operated by N.W. Marketing Inc. (Quebec, Canada).
Incorporation: Quebec, Canada
Address: 204 rue du Saint-Sacrement, Espace 300,
Montréal, Quebec, Canada, H2Y 1W8