Refund Policy
All sales are final. We do not offer refunds, returns, exchanges or cancellations on any product or service we sell.
Please read this policy in full, and ask us anything you are unsure about, before you buy.
At a Glance
Here is a quick summary of our refund policy:
Every purchase is final. Once an order is placed, it cannot be refunded, returned, exchanged or cancelled. This applies to every product and service we offer — digital downloads, written guides, personalised readings, and anything we may add in future.
Why: what we sell is delivered digitally or prepared individually for you. A digital file cannot be returned once it has been sent, and time spent preparing a personalised piece of work cannot be recovered once that work has begun.
There are a small number of exceptions — if we fail to deliver, if you are charged twice, if what arrives is materially different from what was described, or where the law requires a refund. See Section 4.
EU/EEA, UK and Swiss customers have statutory rights that this policy does not and cannot remove. See Section 6.
Questions? Contact us at [email protected] before purchasing if you are unsure whether something is right for you. We would much rather answer a question than take a purchase you regret.
Important: This Refund Policy forms part of, and is subject to, our Terms of Service. By making a purchase on our Website, you acknowledge that you have read, understood, and agreed to this Refund Policy.
1. Introduction
Beatrice Cho is operated by Soltan Enterprises Limited. This Refund Policy explains our position on refunds for everything we sell, the limited circumstances in which an exception may apply, and your rights as a consumer.
This policy is deliberately written to cover all of our products and services, both those available today and those we may offer in future. It applies to every purchase made through our Website.
If a particular product is ever offered on different terms, those terms will be stated clearly on that product’s own page and will apply only to purchases made after they are published. In the absence of such terms, this policy applies.
If you have any questions about this policy, or about a product before purchasing, please contact us at [email protected].
2. All Sales Are Final
We do not offer refunds. Once your order has been placed and payment has been taken, that purchase is final. We do not provide refunds, returns, exchanges, credits, partial refunds or cancellations, whether requested before or after delivery, and whether or not you have opened, read, downloaded or used what you purchased.
This includes, without limitation, requests based on:
- Changing your mind, or no longer wanting the product after purchase.
- Buying by mistake, buying the wrong item, or buying more than once by choice.
- Not reading, downloading, opening or using what you bought.
- Not agreeing with, or not enjoying, the content or interpretation you received.
- The outcome, guidance or reading not matching what you hoped for or expected.
- Failing to submit information we need from you in order to complete a personalised order.
- Personal circumstances, including financial circumstances, changing after purchase.
This is why we ask you to read the product description carefully and to contact us with any questions before you buy. We are always happy to help you decide whether something is right for you.
3. Why We Operate a No-Refund Policy
Our products and services fall into two categories, and neither can meaningfully be returned.
Digital products — written guides, downloads and similar materials — are delivered to you electronically. Once they have been sent, they cannot be returned, and access to them cannot be withdrawn in any way that undoes delivery.
Personalised services — readings and other work prepared individually for you — require time and attention that is spent specifically on your order. Once that work has begun, it cannot be recovered, resold or offered to anyone else.
Our pricing reflects this. We keep our prices as accessible as we can precisely because we are not carrying the cost of returned or refunded orders, and because the work is genuinely personal rather than mass-produced.
We are not asking you to take a risk in silence. If you are uncertain about anything — what a product includes, how it is delivered, how long it takes, or whether it suits your situation — write to us before purchasing and we will answer honestly, including telling you if we think it is not right for you.
4. Limited Exceptions
Although all sales are final, there are a small number of situations in which we will review your order and may issue a refund or a replacement. These exist because they concern our failure to deliver what you paid for, not a change of mind:
Non-delivery: If you did not receive what you purchased because of a verifiable technical failure on our side, and we are unable to deliver it within a reasonable time after you tell us.
Duplicate charge: If you were accidentally charged more than once for the same order, the duplicate charge will be refunded in full.
Material misrepresentation: If what you received is materially different from what was described on the product or sales page at the time of purchase.
Legal requirement: Where applicable consumer protection law in your jurisdiction requires that a refund be offered. See Section 6.
In each case, please contact us at [email protected] with your order number and any supporting detail (screenshots, error messages, dates). We will review your request and respond within 5 business days.
Wherever possible we will put the problem right — by delivering, redelivering or correcting your order — rather than by refunding it. Dissatisfaction with the content, interpretation or outcome of a product is not a material misrepresentation and does not fall within these exceptions.
5. Subscriptions and Recurring Payments
We do not currently sell any subscription or recurring-payment product. Our products are one-time purchases, you will not be billed again, and there is nothing to cancel.
If we introduce a subscription product in future, the following will apply unless stated otherwise on that product’s page:
- You may cancel at any time by contacting us at [email protected] or through your account settings.
- Cancellation takes effect at the end of your current billing period, and you keep access until that period ends.
- Payments already taken, including for the billing period in progress, are not refunded, and part-periods are not prorated.
- If you believe you were charged after cancelling, contact us immediately with your cancellation confirmation and we will investigate and correct it.
6. Notice for EU/EEA, UK and Swiss Consumers
If you are located in the European Economic Area, the United Kingdom or Switzerland, you have statutory rights that this Refund Policy does not remove, limit or replace. Where your local consumer law gives you greater protection than this policy, your local rights prevail.
Under the Consumer Rights Directive (2011/83/EU) and equivalent local legislation, you generally have a right to withdraw from a distance purchase within 14 days. Two important qualifications apply to what we sell:
Digital content delivered immediately. You lose the right of withdrawal once delivery has begun, provided you gave your express prior consent to immediate delivery and acknowledged that you would lose that right. Where a product is delivered to you straight away, we ask you to give that consent and acknowledgement at checkout. If you do not give it, delivery will not begin until the 14-day period has expired.
Personalised services. Where you ask us to begin a personalised piece of work within the 14-day period, you must expressly request that we begin and acknowledge that you lose your right of withdrawal once the service has been fully performed. Where the work is made to your specification or is clearly personalised to you, the right of withdrawal may not apply at all.
If you did not give the consent described above and wish to exercise a right of withdrawal within 14 days, please contact us at [email protected] and we will process your request in accordance with applicable law.
Nothing in this policy affects your rights in respect of goods or services that are faulty, not as described, or not supplied with reasonable care and skill.
7. How Approved Refunds Are Processed
Where a refund is approved under Section 4 or Section 6, the following applies:
Refund amount: You receive the full amount attributable to the approved item. We do not deduct administrative charges of our own.
Refund method: Refunds are issued to the original payment method used at the time of purchase. We cannot refund to an alternative card, bank account or third-party account.
Refund currency: Refunds are processed in the currency of the original transaction. If your bank converts the currency, differences arising from exchange rates are outside our control.
Processing time: We aim to process approved refunds within 5–7 business days of approval. The time taken for funds to appear in your account depends on your payment provider and may take a further 5–10 business days.
Confirmation: You will receive an email confirmation once a refund has been processed.
8. Digital Delivery and Access
Everything we sell is delivered electronically, to the email address you provide at checkout. Depending on the product, delivery may take the form of an emailed document, a download or access link, access to a hosted page or portal, or a written piece of work prepared for you and sent to you by email.
Delivery times are stated on the relevant product page. Where a product is prepared individually for you, the stated turnaround begins once we have received all of the information we need from you — not at the moment of payment. If we do not receive that information, we cannot begin, and this does not entitle you to a refund.
If something you have purchased has not arrived when expected, please check your spam and promotions folders first, then contact us at [email protected] and we will resend it.
By proceeding with your purchase you acknowledge that you are buying a digital product or a digitally delivered service, that it cannot be physically returned once delivered, and that all sales are final subject to this policy.
9. Chargebacks and Dispute Resolution
If something has gone wrong, please contact us first at [email protected]. We read every message ourselves and we would always rather fix a genuine problem directly than have it become a dispute. Most issues are resolved within a couple of days.
Filing a chargeback or payment dispute without contacting us first may result in:
- Delays in resolving your issue, as the dispute process can take 30–90 days.
- Suspension of access to any digital products or services during the dispute period.
- Us declining to accept future orders from you.
If you have contacted us and are not satisfied with our response, you remain free to pursue your rights through your payment provider, your local consumer protection authority, or any other legal avenue available to you. Nothing in this policy prevents you from doing so.
10. Contact Information
If you have questions about a product before purchasing, or need to raise one of the situations described in Section 4, please contact us:
By email: [email protected]
By post: Soltan Enterprises Limited, Office 3906, 39/F, The Center, 99 Queen’s Road Central, Central, Hong Kong
We aim to respond to all enquiries within 2 business days.
11. Changes to This Policy
We may update this Refund Policy from time to time, for example when we introduce a new product. The version published on this page at the moment you complete your purchase is the version that applies to that purchase. Changes are not applied retrospectively to orders already placed.
12. Legal Notice
This Refund Policy is governed by the laws of Hong Kong SAR, China.
By making a purchase from Beatrice Cho, you acknowledge that you have read, understood and agreed to this Refund Policy, including the statement that all sales are final. This Refund Policy forms part of our Terms of Service.
Where this Refund Policy conflicts with mandatory consumer protection laws in your jurisdiction, the mandatory provisions of your local law prevail, and the remainder of this policy continues to apply.