Refund Policy

Last updated: March 30, 2026

Thank you for shopping with Lumani Impact, operated by SECURE PAYMENT LTD. We sell digital educational products delivered electronically. This Refund Policy explains when refunds may be available, how requests are handled, and what rights you have as a customer.

1. Nature of Our Products

Our products are digital goods, including downloadable educational guides, ebooks, and similar digital materials. Because these products are delivered instantly or made available shortly after payment, they are not returned in the same way as physical goods.

2. Important Notice About Digital Content

By placing an order for a digital product on our website and requesting immediate access, you expressly agree that delivery may begin immediately after payment is successfully processed. You also acknowledge that, once delivery begins, your right to cancel for a change of mind may be lost to the extent permitted by applicable law.

3. When Refunds May Be Granted

We may issue a full or partial refund in appropriate cases, including where:

• you were charged more than once for the same order;
• you did not receive access to the digital product and we are unable to provide access within a reasonable time after you contact us;
• the file is corrupted, materially defective, or not as described, and we cannot correct the issue;
• the purchase was made in error and the download or access has not yet been used, activated, or delivered;
• we are otherwise required to provide a refund under applicable consumer protection law.

4. When Refunds Are Usually Not Available

Except where required by law, refunds are generally not available in the following cases:

• change-of-mind purchases after the download link has been provided or access has been activated;
• claims that the customer did not read the product description before purchase;
• dissatisfaction based on personal preference where the product was delivered as described;
• failure to open or use the file due to device, software, or internet limitations outside our control, where the file itself is functioning properly;
• requests made after an unreasonable delay without evidence of a genuine delivery or product issue.

5. Faulty, Inaccessible, or Misdescribed Digital Products

If a digital product you purchased is faulty, inaccessible, incomplete, materially different from its description, or otherwise not supplied with reasonable care and accuracy, please contact us as soon as possible. We may first attempt to resolve the issue by re-sending the file, providing an updated file, correcting the access issue, or offering replacement access. If the issue cannot be resolved within a reasonable time, you may be entitled to a refund or other remedy in accordance with applicable law.

6. How to Request a Refund

To request a refund, please email contact@lumani-impactt.site and include:

• your full name;
• the email address used at checkout;
• your order number;
• the name of the product purchased;
• a clear description of the issue; and
• screenshots or supporting information, where relevant.

We may ask for additional information where necessary to verify the order, investigate technical issues, or prevent abuse and fraud.

7. Refund Review Process

Once we receive your request, we will review it and respond within a reasonable period. Our typical support response time is 1–2 business days, although resolution times may vary depending on the complexity of the issue.

8. Approved Refunds

If your refund is approved, the refund will be issued to your original payment method unless otherwise required by law. Processing times after approval may vary depending on your payment provider, bank, or card issuer.

9. Chargebacks and Payment Disputes

We encourage customers to contact us before opening a payment dispute or chargeback. In many cases, we can resolve access or technical issues more quickly through direct support. Fraudulent or abusive refund claims may result in refusal of service, account restrictions where applicable, or submission of relevant order records to the payment processor.

10. Consumer Rights

Nothing in this Refund Policy limits or excludes any mandatory rights you may have under consumer protection law. Where the law gives you a right to a repair, replacement, price reduction, refund, or other remedy, those rights remain in effect.

11. Contact

Refund-related questions should be sent to:

Lumani Impact
Operated by SECURE PAYMENT LTD
Email: contact@lumani-impactt.site
Phone: +44 (0)370 524 4622
Address: SECURE PAYMENT LTD, Lytchett House, 13 Freeland Park, Wareham Road, Poole, Dorset, England, BH16 6FA