Refund Policy

 1. DIGITAL PRODUCTS — GENERAL POLICY 

Our products are digital, downloadable or streamed educational courses and materials delivered via an online platform. Because of the nature of digital goods, which are accessed immediately upon purchase and cannot be 'returned' in the traditional sense, all sales are generally final. However, we are committed to fair and transparent consumer practices and honor a structured refund framework as described below. 

2. EU/EEA CONSUMER RIGHTS — 14-DAY WITHDRAWAL RIGHT 

If you are located in the European Union or European Economic Area, you have the right to withdraw from a distance contract within 14 calendar days of purchase without giving any reason, pursuant to EU Directive 2011/83/EU ('Right of Withdrawal' or 'cooling-off period'). 

IMPORTANT — WAIVER OF WITHDRAWAL RIGHT:

If you access digital content (begin streaming, downloading, or viewing course materials) before the 14-day withdrawal period has expired, by explicitly acknowledging at the time of purchase that you wish to begin receiving the digital content immediately and understand that you thereby waive your right of withdrawal, your right of withdrawal is waived in respect of that content.

If you purchase a course and do NOT access any course materials within 14 days of purchase, you retain the right to withdraw and receive a full refund, less any applicable payment processing fees.

To exercise your withdrawal right (where applicable), you must notify us in writing at legal@cosfi.net before the expiry of the 14-day period, clearly identifying your order. Refunds will be processed within 14 calendar days of receiving your valid withdrawal notice. 

3. UK CONSUMER RIGHTS — COOLING-OFF PERIOD 

If you are located in the United Kingdom, similar rights apply under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. The same 14-day cooling-off period and waiver mechanism described in Section 2 above apply to UK consumers. 

4. NON-REFUNDABLE CIRCUMSTANCES 

Refunds will NOT be issued in the following circumstances: 

• More than 7 calendar days have elapsed since the purchase date (except where statutory rights apply under Section 2 or 3); 

• Any course content has been accessed or completed; 

• You have already received a refund on a previous purchase from CosFi LLC; 

• The refund request is based on general dissatisfaction with the subject matter of astrology or elemental archetypes — the nature and scope of our content is fully described on our website prior to purchase; 

• The request is submitted after initiating a chargeback or payment dispute with your payment provider; 

• Evidence of intellectual property infringement (sharing, redistribution, reproduction of content) is found. 

5. PAYMENT PROCESSING FEES 

Approved refunds will be processed to your original payment method. Please note that original payment processing fees (charged by our payment processor) are non-refundable and may be deducted from the refund amount. Refund processing times depend on your payment provider and may take 5–14 business days to appear on your statement. 

6. COURSE ACCESS FOLLOWING REFUND 

Upon issuance of a refund, your access to the relevant course(s) and any downloaded materials associated with that course will be revoked. Any downloaded materials must be deleted by you at the time of refund. 

7. CHARGEBACKS 

We strongly encourage you to contact us under info@cosfi.net before initiating a chargeback or payment dispute with your bank or card issuer. In many cases, we are able to resolve issues quickly and to your satisfaction. Initiating a chargeback without first contacting us may result in: 

• Immediate suspension of your account and access to all course content; 

• Disqualification from any future goodwill refund consideration; 

• The Company exercising its right to contest the chargeback and provide evidence of delivery.