Digital Products Refund & Cancellation Policy

Last updated: 9 October 2026

1. Introduction

Thank you for purchasing from Mary Lourdes Bonnici Learning Academy, operated by Mary Lourdes Bonnici MBA.

This policy explains how digital-product delivery, cancellation requests, refunds and customer support are handled. It applies to downloadable eBooks, PDFs, workbooks and other digital products purchased through our Payhip store.

2. Digital Product Delivery

Digital products are normally made available electronically following successful payment, through the download process provided by Payhip.

If you experience difficulty accessing or downloading your purchase, please contact us through the Contact page linked in our store.

3. Cancellation and Withdrawal Rights

Consumers purchasing online may have a statutory right to withdraw from a distance contract within fourteen days.

For digital content not supplied on a tangible medium, this right may be lost once supply begins, but only where the applicable legal conditions have been satisfied, including the consumer's prior express consent, acknowledgement that the withdrawal right will be lost, and the required contractual confirmation.

Purchasing or downloading a digital product does not, by itself, mean that all statutory cancellation rights have automatically been waived.

4. Refunds and Technical Problems

If a digital product is inaccessible, corrupted, incorrectly supplied or does not conform to the contract, please contact us with your order details and a description of the issue.

We will assess the matter and provide an appropriate remedy in accordance with applicable consumer protection law. Depending on the circumstances, this may include restoring access, supplying a corrected file, a price reduction or a refund.

5. Change-of-Mind Requests

Where the statutory right of withdrawal remains applicable, requests will be handled in accordance with that right.

Where the right of withdrawal has been validly lost, a change-of-mind refund is not automatically available. However, discretionary refund requests may still be considered individually.

6. Customer Support

For purchase-related assistance, please use the Contact link provided in our Payhip store.

When contacting us, please include your order reference and a brief explanation of the issue. Please do not send payment-card details or other unnecessary sensitive information.

7. Statutory Consumer Rights

Nothing in this policy excludes, restricts or replaces any mandatory rights or remedies available under applicable Maltese or European Union consumer protection legislation.

8. Policy Updates

This policy may be updated to reflect changes in our digital products, selling arrangements or applicable legal requirements. The version applicable to a purchase will be assessed according to the terms and legal requirements relevant at the time of that purchase.