Effective Date: July 27, 2026

Last Updated: July 27, 2026

Empowered Millions provides downloadable eBooks and other digital educational products. Please review this policy carefully before completing your purchase.

Section 1. GENERAL NO-REFUND POLICY

Due to the immediate and irrevocable nature of digital delivery, all purchases of downloadable eBooks, bundles, workbooks, templates, guides, journals, and other digital products are generally final and non-refundable once access to the product has been provided.

Unlike a physical product, a downloaded or accessed digital file cannot be physically returned. This policy helps protect our copyrighted educational materials from unauthorized copying, retention, or distribution after a refund.

By completing a purchase, you acknowledge that:

• You are purchasing a digital product rather than a physical book.

• Digital access or download delivery may begin immediately after payment.

• You have reviewed the product title, description, price, and included materials.

• You accept this Digital Product Refund Policy before purchasing.

• Except where required by applicable law, you will not be entitled to a refund merely because you changed your mind or no longer want the product.

This policy does not limit any consumer right that cannot legally be waived. Section 2. CIRCUMSTANCES THAT DO NOT QUALIFY FOR A REFUND

Refunds will not ordinarily be issued for:

• Changing your mind after purchasing

• Purchasing the wrong volume or product

• Failing to read the product description before purchasing

• Deciding that the material is not suited to your personal preferences

• Expecting guaranteed trading profits, financial results, or investment performance

• Disagreeing with the educational methods, explanations, examples, or opinions presented

• Failing to complete, read, download, or use the purchased material

• Lacking the software, device, internet connection, or storage space needed to open a standard digital file

• Finding similar information elsewhere

• A later price reduction, promotion, coupon, bundle, or special offer

• Purchasing an individual volume before later deciding that you wanted a bundle

• Personal financial hardship after the purchase

• Accidental purchases caused by failing to review the order before payment

• Requests submitted after the product has been downloaded, accessed, copied, saved, or otherwise delivered, except where required by law

Our educational products do not promise or guarantee profits, income, trading success, investment results, or any particular financial outcome. Dissatisfaction based on a lack of trading results does not qualify for a refund.

1. DUPLICATE PURCHASES

If you are charged more than once for the same product because of a verifiable technical or payment-processing error, contact us promptly.

After confirming the duplicate transaction, we may refund the unintended duplicate charge while leaving the valid purchase in place.

Purchases of separate products, different volumes, or a bundle and an individual volume are not automatically considered duplicate purchases.

1. TECHNICAL OR DELIVERY PROBLEMS

If you do not receive your download instructions or cannot access a purchased file, contact:

support@empoweredmillions.com

Before requesting assistance, please:

• Check your spam, junk, promotions, and deleted-email folders.

• Confirm that the email address entered during checkout was correct.

• Try opening the download link using a current browser.

• Confirm that your device can open the file format provided.

We will make reasonable efforts to resend the download link, correct the email address when ownership of the purchase can be verified, replace a corrupted file, or provide another reasonable method of accessing the purchased material.

A temporary download, browser, email, device, or compatibility issue does not automatically qualify for a refund when the product can be successfully redelivered or replaced.

If we cannot provide the purchased product because of an error within our control, we may issue a replacement, store credit, or refund, as appropriate and as required by applicable law.

1. DAMAGED, CORRUPTED, OR INCORRECT FILES

If a delivered file is corrupted, incomplete, or materially different from the product purchased, contact us promptly and include:

• Your name

• The email address used during checkout

• Your order or transaction number

• The product purchased

• A description or screenshot of the problem

We will first attempt to replace or correct the file. If we cannot provide a working and accurate copy of the purchased product, an appropriate remedy may be provided.

1. UNAUTHORIZED TRANSACTIONS

If you believe a purchase was made without your authorization, contact us immediately at support@empoweredmillions.com.

You should also contact your payment provider or financial institution when appropriate. We may request information reasonably necessary to verify the transaction and investigate the claim.

Fraudulent claims of unauthorized use may be reported to the payment processor, financial institution, or appropriate authorities.

1. BUNDLES AND PARTIAL REFUNDS

Bundles are sold as a single discounted digital product.

Once a bundle has been delivered or made accessible:

• Individual items within the bundle cannot be returned separately.

• Partial refunds will not ordinarily be provided.

• The bundle price will not be retroactively applied to earlier individual purchases.

• Purchasing an individual volume and later purchasing a bundle does not automatically create a duplicate purchase.

Any exception will be considered only when required by law or when a verified billing or delivery error occurred.

1. DOWNLOAD ACCESS AND CUSTOMER RESPONSIBILITY

Customers are responsible for:

• Providing a correct email address during checkout

• Downloading and securely storing purchased files

• Using a compatible device and standard PDF-reading software

• Protecting download links from unauthorized access

• Contacting support promptly when delivery problems occur

We may impose reasonable download or access controls to protect copyrighted content and prevent abuse.

1. INTERNATIONAL PURCHASES AND DIGITAL-CONTENT RIGHTS

Consumer-protection rights vary by country and region.

Where applicable law gives a customer a cancellation or withdrawal right for digital content, checkout may request the customer’s express consent for immediate digital delivery and acknowledgment that the applicable withdrawal right may be lost once delivery or access begins.

Nothing in this policy eliminates a legal right that cannot be excluded or waived. When mandatory local law conflicts with this policy, the mandatory law will control to the extent of that conflict.

1. CHARGEBACKS AND PAYMENT DISPUTES

Customers should contact us at support@empoweredmillions.com before initiating a chargeback or payment dispute so we have an opportunity to investigate and resolve legitimate delivery or billing concerns.

Filing a chargeback does not automatically entitle a customer to a refund.

We may provide the payment processor or financial institution with relevant information, including:

• The product description

• The refund policy accepted at checkout

• Transaction and delivery records

• Download or access records

• Customer communications

• Fraud-prevention information

Knowingly filing a false chargeback or falsely claiming that a properly delivered purchase was unauthorized may constitute chargeback abuse or fraud.

1. REFUND REVIEW PROCESS

When a refund request is permitted or legally required, we may request information needed to verify:

• The identity of the purchaser

• The relevant transaction

• The reason for the request

• Whether the product was delivered or accessed

• Whether a duplicate charge, technical failure, or unauthorized transaction occurred

Approved refunds will generally be returned to the original payment method. Processing time is controlled partly by Stripe, Payhip, the customer’s bank, and other financial institutions. We cannot guarantee when an approved refund will appear in the customer’s account.

1. POLICY ACCEPTANCE

By completing a purchase, you confirm that you have reviewed and accepted:

• The product description

• The price and contents of the order

• The Terms and Conditions

• This Digital Product Refund Policy

• The immediate electronic delivery of the purchased digital content

You also understand that trading and financial-market education does not guarantee profits or prevent losses.

1. CHANGES TO THIS POLICY

We may update this Digital Product Refund Policy when our products, checkout process, providers, or legal obligations change.

The version in effect at the time of purchase will generally apply to that transaction, except where applicable law requires otherwise.

1. CONTACT US

For billing errors, duplicate charges, file-delivery problems, or questions concerning this policy, contact:

Empowered Millions

Texas, United States

Email: support@empoweredmillions.com

Please include your order number and the email address used during checkout so we can locate your purchase.