Refund & Cancellation Policy

1. Scope of This Policy

This Policy applies to paid digital services purchased directly through Cosmicoracle.

Services may include:

• Paid Monthly Horoscope;
• Love Compatibility;
• Business Compatibility;
• Tarot;
• Numerology;
• Gemstone Suggestions; and
• other eligible digital astrology or personalised insight services displayed on Cosmicoracle.

Because Cosmicoracle provides digital and service-based offerings, this Policy focuses on cancellation, digital service performance, payment issues, and refunds.

The terms applicable to a particular purchase may also depend on the description displayed before payment.

2. One-Time Payment Model

Each paid Cosmicoracle service is purchased individually through a one-time payment. Payment for one service does not automatically authorise future payments for another service. For example, Paid Monthly Horoscope refers to a horoscope covering the relevant month or period described on the service page. The word "monthly" describes the scope of that particular horoscope service and does not by itself authorise automatic future charges.

If a user wishes to purchase another eligible service later, a separate purchase must be completed.

The price applicable to each purchase should be shown before payment is confirmed.

3. Review Your Service Before Purchase

Before completing payment, users should carefully review:

• the selected service;
• service description;
• information required;
• applicable price;
• expected digital output;
• any stated processing information; and
• any limitations clearly disclosed on the relevant service page.

For personalised services, users should also check the information they provide before submission.

Details such as date of birth, time of birth, place of birth, names, numerology information, compatibility details, or questions may directly affect the output.

Cosmicoracle cannot guarantee that an output based on incorrect information will remain relevant after the user later corrects the information.

4. Consumer Cancellation Rights

Where applicable, consumers purchasing services online may have cancellation rights under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

For eligible distance contracts involving services or qualifying digital content, the normal statutory cancellation period may extend for 14 days from the day on which the contract is entered into.

However, these rights depend on:

• the legal classification of the purchased offering;
• whether processing or digital supply has started;
• whether the user requested early performance;
• whether the required consent or acknowledgement was provided; and
• the circumstances of the individual transaction.

Nothing in this Policy is intended to remove a cancellation or refund right that cannot lawfully be excluded.

5. Starting a Service During the Cancellation Period

Many Cosmicoracle services depend on information submitted by the user and may begin processing shortly after successful payment.

Where applicable law requires a user's express request before a service begins during a statutory cancellation period, Cosmicoracle may ask the user to confirm that processing can begin.

If a user requests that a qualifying service starts during the applicable cancellation period and later cancels before it has been fully performed, the user may be required, where permitted by law, to pay an amount proportionate to the part of the service already supplied.

If the service has been fully performed after:

• the user expressly requested early performance; and
• the user acknowledged the effect this may have on the statutory cancellation right,

the right to cancel may end once performance has been fully completed, where permitted by law.

6. Digital Content Supplied Immediately

Some Cosmicoracle outputs may qualify as digital content supplied without a physical medium.

Where applicable, digital content may begin being supplied before the end of a statutory cancellation period only where the legally required consent and acknowledgement have been obtained.

If digital supply begins after the user has expressly consented and acknowledged that beginning supply will affect the right to cancel, the statutory cancellation right may be lost once the conditions required by applicable law are satisfied.

Cosmicoracle will not use this provision to remove consumer protections where the legally required conditions have not been met.

7. Cancellation Before Processing Begins

Where a paid service has not yet begun processing, a user may contact Cosmicoracle promptly to request cancellation.

We will review:

• whether payment has been confirmed;
• whether processing has started;
• whether any digital output has already been prepared or supplied;
• the type of service purchased; and
• any statutory cancellation rights that apply.

Where cancellation is accepted and no charge is lawfully due for work already performed, the appropriate refund will be arranged.

Users should send cancellation requests as soon as possible because personalised processing may begin shortly after information and payment are received.

8. Change-of-Mind Requests

A change-of-mind request will be considered according to applicable consumer law and the status of the purchased service.

A refund may not automatically be available simply because:

• the user changes their mind after processing has lawfully started;
• the user no longer wants the interpretation;
• the user disagrees with an astrological or numerological interpretation;
• the result does not match the user's expectations;
• the user expected a particular personal outcome; or
• the user decides not to use an output that has already been properly provided.

However, nothing in this section overrides any mandatory statutory right available to the user.

9. When a Refund May Be Appropriate

Depending on the circumstances and applicable law, a refund or other appropriate remedy may be considered where:

• payment was successfully collected but the purchased service cannot be provided;
• the same transaction was accidentally charged more than once;
• a material technical failure prevents access to the purchased output;
• the wrong service was supplied because of an error attributable to Cosmicoracle;
• the supplied digital content materially fails to conform to its description;
• the service has not been performed with the standard required by applicable consumer law;
• a correction or appropriate repeat performance cannot reasonably resolve the issue;
• Cosmicoracle agrees that a refund is appropriate; or
• a refund is otherwise required by law.

Each request may be reviewed individually based on the service, payment record, processing status, and nature of the issue.

10. Digital Content That Does Not Conform

The Consumer Rights Act 2015 provides statutory protections relating to digital content.

Where qualifying digital content does not conform to the contract, applicable remedies may include correction, repair, replacement, or an appropriate price reduction depending on the circumstances.

Where an issue can reasonably be corrected, Cosmicoracle may first attempt to provide a corrected or replacement digital output.

For example, this may be appropriate where:

• a technical error caused incomplete output;
• the supplied file cannot be accessed because of a platform error;
• content was incorrectly generated because Cosmicoracle processed correctly supplied information incorrectly; or
• a material portion of the purchased output is missing.

Where correction or replacement is impossible, disproportionate, or cannot be completed within a reasonable period without significant inconvenience, an appropriate price reduction or refund may apply where required by law.

11. Problems With a Service

Where a Cosmicoracle offering is legally treated as a service, rights under the Consumer Rights Act 2015 may apply.

Services provided to consumers must meet applicable legal standards, including requirements concerning reasonable care and skill.

Where a qualifying service does not conform to the contract, a consumer may, depending on the circumstances, have the right to request appropriate repeat performance.

If repeat performance:

• is impossible;
• cannot be completed within a reasonable time; or
• would cause significant inconvenience,

the consumer may be entitled to an appropriate price reduction, which may in some circumstances amount to a full refund.

Cosmicoracle will assess requests in accordance with the nature of the purchased service and applicable law.

12. Incorrect Information Provided by the User

Personalised astrology and related services rely heavily on information provided by users.

Users are responsible for checking information before submission.

A refund will not normally be provided solely because an output was affected by incorrect information submitted by the user, such as:

• incorrect date of birth;
• incorrect birth time;
• incorrect location;
• misspelled or incorrect name;
• incorrect information about another individual;
• incorrect numerology details; or
• an incorrectly submitted question.

Where possible, Cosmicoracle may consider whether a correction can reasonably be made, but this will depend on whether the relevant service has already been processed and the extent of additional processing required.

This does not affect rights where the error was caused by Cosmicoracle rather than the user.

13. Interpretation and Personal Expectations

Astrology, numerology, tarot, compatibility information, and gemstone suggestions are interpretive in nature.

A refund will not normally be due merely because:

• the user disagrees with an interpretation;
• an interpretation differs from another service or source;
• the user expected a particular zodiac or compatibility outcome;
• a predicted possibility does not occur;
• a personal relationship develops differently;
• a business decision produces a different result;
• the user does not personally connect with part of an interpretation; or
• a gemstone suggestion does not produce a desired personal result.

Cosmicoracle does not guarantee specific personal, financial, professional, romantic, or future outcomes.

This limitation does not apply where the purchased service itself materially fails to conform to the description provided at the time of purchase.

14. Duplicate or Incorrect Charges

If you believe the same Cosmicoracle purchase has been charged more than once, please contact us promptly.

Please provide, where available:

• your name;
• email address used for the purchase;
• service purchased;
• payment date;
• amount charged;
• transaction reference; and
• a brief description of the issue.

Do not send your full card number, CVV security code or online banking password.

If our investigation confirms an unintended duplicate charge, the duplicate amount will be addressed appropriately.

If you believe a payment was made without your permission, you should also contact your bank or payment provider promptly because they may have specific procedures for unauthorised transactions.

15. Payment Security and Refund Processing

Payments may be processed through independent authorised payment providers.

Cosmicoracle does not require or intend to store complete debit or credit card numbers or CVV security codes on its own servers.

Where a refund is approved, it will generally be issued through the original payment method where reasonably possible and where applicable law requires this approach.

The time required for funds to appear after a refund has been issued may depend on:

• the payment provider;
• the user's bank;
• card network processing;
• payment method; and
• financial institution processing times.

Cosmicoracle does not control delays caused solely by a bank or independent payment provider after the refund has been correctly submitted.

No refund processing fee will be imposed where applicable law prohibits such a fee.

16. How to Request a Cancellation or Refund

To request a review, contact:

[email protected]

Your request should include enough information for us to identify the transaction.

Please provide:

• your full name;
• email address associated with the purchase;
• service purchased;
• date of purchase;
• transaction or payment reference, if available;
• reason for the request; and
• a short explanation of the problem.

Please do not submit confidential payment authentication information.

After receiving the request, Cosmicoracle may review relevant service and transaction records before determining the appropriate outcome.

Additional information may be requested where reasonably necessary to verify the purchase or investigate the issue.

17. Refund Decisions and Processing Time

Refund requests are assessed according to:

• the nature of the service;
• whether processing began;
• whether the service was completed;
• whether digital content was supplied;
• the reason for the request;
• the information supplied by the user;
• the relevant transaction records; and
• applicable UK consumer law.

Where a consumer is legally entitled to a refund under the Consumer Rights Act 2015, applicable refunds must be provided without undue delay and, in relevant circumstances, within the statutory period required by law.

Where a statutory cancellation right applies under the Consumer Contracts Regulations, reimbursement will be handled within the applicable legal timeframe.

Cosmicoracle may contact the user where clarification is required before a non-statutory request can be properly assessed.

18. Changes to This Policy

We may update this Refund & Cancellation Policy where necessary to reflect:

• changes to Cosmicoracle services;
• changes to payment processes;
• operational changes;
• changes in technology; or
• changes to legal or regulatory requirements.

The latest version will be published on Cosmicoracle with an updated revision date.

Changes will not be used to unfairly remove rights that already apply to a completed purchase.

If any provision of this Policy conflicts with a mandatory consumer protection requirement, the applicable legal requirement will take priority.

19. Contact Us

If you have questions about a cancellation, refund, payment issue, duplicate charge, technical problem, or a purchased Cosmicoracle service, please contact us: