Refund Policy

Effective Date: 30.07.2025
Last Updated: 15.08.2025

Overview

At HumanomicsX, we provide digital financial content, research reports, and educational materials. This Refund Policy explains our approach to refunds for our premium subscription services.

Important: All our premium content is digital and delivered immediately upon subscription. Please read this policy carefully before subscribing.

Digital Products and Services

Individual Digital Products (Reports, Guides, PDFs)

• Refund Policy: No refunds available

• Reason: All products are digital and instantly accessible after purchase

• Delivery: Content is delivered immediately upon payment

• Sales: All individual product sales are final

• Recommendation: Please read product descriptions carefully before purchasing

Donations

• Policy: All donations are voluntary and non-refundable

• Processing: Once processed, transactions cannot be reversed

• Purpose: Donations help us continue creating valuable, independent research and educational content

• Appreciation: We deeply appreciate your support

Subscription Types and Refund Terms

Monthly Premium Subscriptions

• Refund Policy: No refunds available

• Reason: Due to the digital nature of our content and immediate access provided

• Cancellation: You may cancel anytime, but no refunds will be provided for the current month

• Access: You retain access to premium content through the end of your current billing period

Annual Premium Subscriptions

• Partial Refunds Available: Yes, for unused months only

• Calculation Method: Refunds calculated from the 1st of each month

• Example: If you cancel 3 months into your annual subscription, you'll receive a refund for the remaining 9 months

• Pro-ration: We calculate refunds based on full months, not daily pro-ration

Cancellation Requirements

Timing for Cancellations

• Monthly Subscriptions: Cancel before the 20th of the month to avoid charges for the following month

• Annual Subscriptions: Can be canceled at any time

• Processing Time: We need several days to process cancellations, which is why we require notice before the 20th

How to Cancel

1. Email Method: Send cancellation request to support@humanomicsx.com [Not Recommended] or use automatic system from our payment provider.

2. Subject Line: Include "Subscription Cancellation" in subject line

3. Required Information:

   • Full name

   • Email address associated with subscription

   • Subscription type (monthly/annual)

   • Reason for cancellation (optional but helpful)

Refund Process for Annual Subscriptions

Eligibility

• Must be an active annual subscriber

• Account must be in good standing (no violations of Terms of Service)

• Refund calculated from the 1st of the month following your request

Processing Timeline

• Request Acknowledgment: Within 2 business days

• Review Period: 3-5 business days

• Refund Processing: 5-10 business days after approval

• Total Timeline: Typically 10-15 business days from request to refund

Refund Calculation Examples

Example 1:

• Annual subscription started: January 1st

• Cancellation requested: March 15th

• Eligible refund: 9 months (April through December)

• Refund amount: 9/12 of annual subscription price

Example 2:

• Annual subscription started: June 1st

• Cancellation requested: August 5th

• Eligible refund: 9 months (September through May of following year)

• Refund amount: 9/12 of annual subscription price

What's Not Eligible for Refunds

Non-Refundable Items

• Monthly subscriptions (all payments are final)

• Individual premium reports purchased separately

• Subscription fees for months already used

• Partial months (we only refund full unused months)

Non-Refundable Situations

• Account terminated for Terms of Service violations

• Requests made after subscription has already expired

• Claims of "didn't know it would auto-renew" (clearly disclosed during signup)

• Dissatisfaction with general market conditions or investment outcomes

• Technical issues on user's end (inability to access due to email filters, etc.)

Digital Content Policy

Immediate Access

Since our premium content is digital and provided immediately upon subscription:

• You gain instant access to our premium report library

• You can download materials immediately

• You receive premium alerts and notifications right away

• Content cannot be "returned" like physical products

Fair Use Policy

We provide substantial value through our premium content. Our refund policy balances customer satisfaction with the digital nature of our services and the immediate access provided.

Payment Processor Refunds

Processing Method

• Refunds are processed through the same payment method used for original purchase

• We use secure payment processors (Paddle, FastSpring, or 2Checkout)

• Refund timing depends on your payment provider and bank

Credit Card Refunds

• Processing Time: 5-10 business days

• Appears As: Credit on your statement from original payment processor

• Currency: Same currency as original payment

PayPal Refunds

• Processing Time: 2-5 business days

• Notification: PayPal will send confirmation email

• Access: Refund appears in your PayPal account

Exceptional Circumstances

Medical/Emergency Situations

We understand that life circumstances can change unexpectedly. In cases of serious medical emergencies or other extraordinary circumstances, please contact us directly. We will review such cases individually and may make exceptions to our standard policy.

Technical Issues on Our End

If you experience technical problems accessing your subscription due to issues on our end:

• Contact us immediately at support@humanomicsx.com

• We will work to resolve the issue quickly

• If we cannot restore access, refunds may be considered

Dispute Resolution

First Step: Contact Support

Before initiating any payment disputes with your bank or credit card company, please contact our support team. Many issues can be resolved quickly through direct communication.

Chargebacks

Initiating a chargeback without contacting us first may result in:

• Immediate account termination

• Loss of access to all content

• Potential legal action for services already provided

We prefer to work directly with customers to resolve any concerns.

Free Trial Policy

Current Status: We do not offer free trials for our premium subscriptions.

Reason: Our substantial free content (newsletter, blog posts, calculators) allows you to evaluate our approach and quality before subscribing to premium services.

Alternative: Subscribe to our free newsletter to experience our content style and quality before upgrading to premium.

Policy Updates

Changes to Policy

We may update this Refund Policy periodically. Significant changes will be communicated via:

• Email notification to active subscribers

• Prominent notice on our website

• Updated effective date at the top of this policy

Grandfathered Terms

Changes to this policy will not affect refund terms for subscriptions purchased before the change date.

International Considerations

Currency Fluctuations

For international subscribers, refund amounts may vary slightly due to currency exchange rate changes between purchase and refund dates.

Local Taxes

Depending on your location, taxes may not be refundable even if subscription fees are refunded. Consult local tax authorities for guidance.

Contact Information

Refund Requests

Email: support@humanomicsx.com
Subject Line: "Refund Request - [Your Invoice ID]"

Required Information for Refund Requests

• Full name

• Email address used for subscription

• Invoice number or receipt number

• Transaction ID or payment reference number

• Original payment date and amount

• Subscription type (monthly/annual)

• Brief reason for refund request

• Preferred refund method (if different from original payment)

• Any additional documentation provided by the payment processor

Response Time

• Initial Response: Response times are determined by our payment processor (Paddle, FastSpring, or 2Checkout)

• Refund Decision: Decision timelines are determined by our payment processor (Paddle, FastSpring, or 2Checkout)

• Processing: Processing times are determined by our payment processor (Paddle, FastSpring, or 2Checkout) and may vary based on your payment method and financial institution

Remember: This Refund Policy works in conjunction with our Terms of Service. By subscribing to our services, you agree to both documents. Please review all terms before subscribing.

Questions? Contact us at support@humanomicsx.com - we're here to help clarify any aspects of our refund policy.