This policy explains refund terms for each paid product in the LIVIN OS family. It's part of our Terms of Service. The exact price, billing frequency, and refund terms for what you're buying are always shown before you check out.
Trading Education (subscription)
- Billed monthly via Stripe. You can cancel anytime from within the app — cancellation takes effect at the end of your current billing period, and you keep access until then.
- New subscribers: if you're unhappy within the first 7 days of your first payment, contact us for a full refund of that payment.
- After the first 7 days, payments are non-refundable, including for renewal charges — cancel before your renewal date if you don't want to be charged again.
- We may issue a discretionary refund or credit for verified billing errors, duplicate charges, or extended service outages.
375 AI Prompts (one-time digital download)
- Because this is an instant digital download, all sales are final once the file has been downloaded.
- If you have a technical problem accessing your download (broken link, corrupted file) within 14 days of purchase, contact us and we'll fix it or refund you — whichever you'd rather have.
CounterOffer (one-time negotiation service)
- Refundable within 48 hours of purchase if you have not yet generated an AI-drafted counteroffer using your paid credit.
- Once an AI draft has been generated, the purchase is non-refundable, since the service (generating your draft) has been delivered.
Gear Collection (physical merchandise)
- Standard consumer return rules apply: unworn/unused items may be returned within 30 days of delivery for a refund or exchange, minus original shipping costs.
- Defective or incorrect items are replaced or refunded at no cost to you, including return shipping.
- Custom or personalized items (if any) are final sale unless defective.
Business Layer / custom engagements
Refund terms for custom Business Layer engagements are set out in the applicable Master Service Agreement and Order Form for that engagement, not this policy.
How to request a refund
Email livin613support@protonmail.com with your order/payment email and what you purchased. We aim to respond within 2 business days. Approved refunds are returned to your original payment method via Stripe and may take 5–10 business days to appear on your statement.
Chargebacks
We'd rather resolve a problem directly — please contact us before filing a chargeback with your bank or card issuer. Unwarranted chargebacks may result in suspension of your account.