Refund Policy

This Refund Policy (the “Policy”) governs refunds and access-related claims for all digital products offered by Lisa Stucky, doing business as Leading Lady Cipher (“we,” “us,” or “our”) through cards.leadingladycipher.com (the “Site”), including the energy empowerment card decks, Companion Guides, and Daily Empath Tips sheets (collectively, the “Products”). By completing a purchase, you acknowledge that you have read, understood, and agreed to this Policy.

1. All sales are final

The Products are digital goods delivered electronically and made available for immediate access upon completion of purchase. Because delivery and access occur immediately and cannot be rescinded, all sales are final and non-refundable except as expressly set forth in this Policy.

2. Access problems we will resolve

If, within fourteen (14) days of the date of purchase, you are unable to access a Product you have purchased, were charged more than once for the same order, or received access to the wrong Product, contact us at hello@leadingladycipher.com with your order details. We will, at our discretion, restore or provision the correct access, correct the order, or issue a refund for the affected purchase.

3. Circumstances not eligible for a refund

The following circumstances do not qualify for a refund under this Policy:

• Change of mind or buyer’s remorse following purchase.
• Failure to access, use, or engage with a Product after purchase.
• Dissatisfaction with the empath archetype, card content, Companion Guide, Daily Empath Tips, or any other creative or editorial aspect of the Products after access has been granted.
• Login, password reset, or forgotten-email issues that can be resolved through the Site’s standard sign-in and account recovery flows.
• Purchases for which the request is made more than fourteen (14) days after the date of purchase.
• Requests made after any material violation of our Terms of Service or Anti-Piracy Policy.

4. Consumers in the European Union and United Kingdom

Consumers ordinarily resident in the European Union or the United Kingdom may have a statutory right of withdrawal of up to fourteen (14) days from the date of purchase for digital content supplied under a distance contract. By completing a purchase, obtaining immediate access to the Products, and beginning the download or use of the Products before the expiry of that withdrawal period, you expressly consent to immediate performance of the contract and expressly acknowledge and agree that you thereby lose the right of withdrawal in accordance with Article 16(m) of Directive 2011/83/EU (the Consumer Rights Directive) and, in the United Kingdom, Regulation 37(1) of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. This provision does not affect any mandatory statutory rights that cannot be waived under applicable law.

5. Chargebacks

You agree to contact us at hello@leadingladycipher.com and afford us a reasonable opportunity to resolve any billing or access issue before initiating a chargeback, reversal, or dispute with your card issuer, bank, or payment provider. Chargebacks initiated without prior contact, or in respect of Products that have been accessed and are functioning as described, may result in the immediate and permanent revocation of access to all Products previously purchased by the affected account, and may be contested with the payment network and referred for collection.

6. How to request a refund or report an access problem

Send an email to hello@leadingladycipher.com with the subject line “Refund Request” or “Access Problem,” and include the email address used at checkout, the approximate date of purchase, the Product purchased, and a description of the issue. We aim to respond within three (3) business days. Approved refunds are issued to the original payment method and typically appear within five (5) to ten (10) business days, depending on your payment provider.

7. Changes to this Policy

We reserve the right to amend this Policy at any time. Material amendments are effective upon posting to the Site, with the “Last updated” date revised accordingly. Amendments are not retroactive and do not apply to purchases completed prior to their effective date.

8. Contact

Questions about this Policy may be directed to hello@leadingladycipher.com.