Refund Policy

1. Introduction

This Refund Policy explains the terms and conditions under which Pivronix ("we," "us," or "our") processes refunds for services or products purchased through our website pivronix.com (the "Site").

We are committed to customer satisfaction and comply with all applicable UK consumer protection laws, including the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

Company Details:
Pivronix
Company Registration Number: 99261562
Registered Office: Studio 51 Gray Canyon, Elizabethview, ST3 5SH, United Kingdom

2. Nature of Our Services

Pivronix provides the following types of services:

2.1 Free Services

The majority of our content and services are provided free of charge, including:

• Platform reviews and ratings
• Educational articles and blog content
• Market analysis and insights
• Basic website access and features
• Newsletter subscriptions

No refunds are applicable to free services as no payment is required.

2.2 Potential Paid Services

We may offer paid services such as:

• Premium subscription plans with enhanced content access
• Detailed investment analysis reports
• Personalized consultation services
• Educational courses or webinars
• Premium research reports
• Digital products or downloadable content

This Refund Policy applies to all such paid services.

3. Your Consumer Rights (UK)

Under UK law, specifically the Consumer Rights Act 2015 and the Consumer Contracts Regulations 2013, you have certain rights when purchasing services or digital content online:

3.1 Right to Cancel (Cooling-Off Period)

For most distance sales (online purchases), you have the right to cancel your order within 14 days from the date of purchase without giving any reason. This is known as the "cooling-off period."

Important Exceptions: This right does not apply to:

• Digital content if you have consented to immediate access and acknowledged that you lose your right to cancel
• Services that have been fully performed with your prior express consent
• Customized or personalized content created specifically for you

3.2 Right to a Refund for Faulty Services

If a service is not provided with reasonable care and skill, or does not match its description, you may be entitled to:

• Repeat performance of the service (if possible)
• A price reduction (if appropriate)
• A full or partial refund

4. Refund Eligibility Criteria

4.1 Eligible Refund Requests

You may be eligible for a refund if:

• You cancel within the 14-day cooling-off period and have not started using the service or accessing digital content (with your consent)
• The service was not delivered as described or promised
• The service contained significant errors or defects that we cannot remedy
• We failed to provide the service within the agreed timeframe
• You were charged incorrectly due to a technical error
• You were charged for a service you did not authorize
• The service does not comply with applicable laws or regulations

4.2 Non-Eligible Refund Requests

Refunds will generally not be provided if:

• You have used or accessed the service or digital content with your consent after the cooling-off period
• You changed your mind after fully consuming the content or service
• You claim dissatisfaction without demonstrable service failure
• The service was accurately described and properly delivered
• You failed to meet requirements disclosed before purchase (e.g., technical requirements)
• You violated our Terms and Conditions
• The request is made beyond our refund request period (see Section 5)

5. Refund Request Period

To be eligible for a refund, you must submit your refund request within the following timeframes:

• Cooling-off period cancellations: Within 14 days of purchase
• Service quality issues: Within 30 days of discovering the issue
• Non-delivery: Within 30 days of the expected delivery date
• Unauthorized charges: Within 60 days of the charge appearing on your statement

Requests made outside these periods may not be considered, except as required by law or in exceptional circumstances at our discretion.

6. How to Request a Refund

To request a refund, follow these steps:

7. Refund Processing

7.1 Refund Method

Refunds will be issued to the original payment method used for the purchase. We cannot issue refunds to different accounts or payment methods.

7.2 Processing Time

Once approved, refunds are typically processed within:

• Credit/Debit Cards: 5-10 business days (depending on your bank)
• PayPal: 3-5 business days
• Bank Transfer: 3-7 business days

Please note that the time it takes for the refund to appear in your account depends on your payment provider's processing times, which are beyond our control.

7.3 Partial Refunds

In some circumstances, we may issue partial refunds if:

• You have partially used a service before requesting cancellation
• A subscription is canceled mid-cycle (prorated refund)
• Only specific components of a bundled service were defective
• We determine that a partial refund fairly reflects the service provided

7.4 Currency and Exchange Rates

Refunds will be issued in the same currency as the original purchase (GBP). If your bank or payment provider applies currency conversion, exchange rate fluctuations may result in a different amount being credited to your account than originally charged. We are not responsible for any such differences.

8. Subscription Cancellations

8.1 Monthly Subscriptions

If you have purchased a monthly subscription:

• You may cancel at any time
• Cancellation takes effect at the end of your current billing cycle
• You retain access until the end of the paid period
• No refunds are provided for partial months unless required by law
• You can cancel within the 14-day cooling-off period for a full refund if you have not accessed the service

8.2 Annual Subscriptions

If you have purchased an annual subscription:

• You may cancel within the 14-day cooling-off period for a full refund if you have not accessed the service
• After the cooling-off period, prorated refunds may be considered on a case-by-case basis
• Cancellation takes effect at the end of your current billing cycle unless you qualify for an immediate refund

8.3 How to Cancel Subscriptions

To cancel your subscription:

1. Log into your account on our Site
2. Navigate to "Account Settings" or "Subscription Management"
3. Click "Cancel Subscription" and follow the prompts
4. Alternatively, email [email protected] with "Cancel Subscription" in the subject line

9. Digital Products and Content

For digital products, downloadable content, or reports:

9.1 Immediate Access

When you purchase digital content with immediate access, you will be asked to consent to immediate delivery. By providing this consent, you acknowledge that you waive your 14-day cooling-off period right to cancel.

9.2 Defective Digital Content

If digital content is:

• Corrupted or contains significant errors
• Not as described
• Missing promised features or content
• Incompatible with disclosed technical requirements (through no fault of yours)

You may be entitled to a repair, replacement, or refund. Contact us within 30 days with details of the issue.

10. Exceptions and Special Circumstances

10.1 Service Interruptions

If our services experience significant interruptions or downtime beyond normal maintenance:

• We will extend your subscription period to compensate for the downtime, or
• Provide a prorated refund if the service was unusable for an extended period

10.2 Changes to Services

If we make significant changes to a paid service that materially reduce its value or functionality, existing subscribers may be eligible for a prorated refund if they cancel within 30 days of notification.

10.3 Account Termination

If we terminate your account for violation of our Terms and Conditions, you will not be eligible for any refund for the remaining subscription period or purchased services.

11. Chargebacks and Disputes

11.1 Direct Contact First

We strongly encourage you to contact us directly before initiating a chargeback with your bank or payment provider. Most issues can be resolved quickly and amicably through direct communication.

11.2 Chargeback Consequences

If you initiate a chargeback without first contacting us:

• Your account may be immediately suspended pending investigation
• We will provide evidence of service delivery to your payment provider
• If the chargeback is found to be unjustified, your account may be permanently terminated
• You may be liable for chargeback fees and administrative costs

11.3 Disputed Charges

If you believe you have been charged incorrectly or fraudulently, contact us immediately at [email protected]. We will investigate and resolve the issue promptly.

12. No Refunds for Third-Party Investments

You acknowledge and agree that:

• We are not responsible for investment losses with reviewed platforms
• We do not provide financial advice or investment recommendations
• Any disputes with investment platforms must be resolved directly with those platforms
• We have no authority or ability to process refunds for third-party investments
• This Refund Policy applies ONLY to services and products provided directly by Pivronix

13. Contact Information for Refund Requests

For all refund-related inquiries and requests, please contact us:

Pivronix - Refund Department
Studio 51 Gray Canyon
Elizabethview, ST3 5SH
United Kingdom

Email: [email protected]
Subject Line: "Refund Request - [Order Number]"
Phone: +44 0040 676 787 (Monday-Friday, 9:00 AM - 5:00 PM GMT)

Response Time: We aim to acknowledge all refund requests within 2 business days and provide a decision within 10 business days.

14. Changes to This Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our Site with an updated "Last Updated" date.

Material changes to this policy will be communicated through:

• Email notification to registered users
• Prominent notice on our Site homepage
• In-app notifications (if applicable)

Your continued use of our services after changes are posted constitutes your acceptance of the modified Refund Policy.

15. Governing Law

This Refund Policy is governed by the laws of England and Wales. Any disputes arising from this policy shall be subject to the exclusive jurisdiction of the courts of England and Wales.

This policy complies with UK consumer protection legislation, including:

• Consumer Rights Act 2015
• Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013
• Payment Services Regulations 2017

16. Additional Consumer Resources

For more information about your consumer rights in the UK, you may contact:

Citizens Advice Consumer Service
Phone: 0808 223 1133
Website: www.citizensadvice.org.uk

Trading Standards
Website: www.tradingstandards.uk