Refund & Cancellation Policy

Last updated: August 14, 2026

This Refund & Cancellation Policy (“Policy”) forms part of the Terms & Conditions of Vikki Swan LLC and applies to purchases, memberships, subscriptions, digital products, online courses, in-person courses, classes, workshops, advanced training, educational materials, community access, and related Services offered by the Company.

This Policy applies across vikkiswan.pro, nailinsider.club, nailinsider.com, related checkout pages and account areas, applicable Telegram-based or other digital delivery systems operated by Vikki Swan LLC, and Company-operated in-person educational events and related payment or registration pages.

1. Definitions

Company (referred to as “Company,” “We,” “Us,” or “Our”) means Vikki Swan LLC, 13101 W Washington Blvd, Suite 207, Los Angeles, CA 90066, United States.

Digital Products means digital courses, videos, lessons, manuals, PDF files, checklists, recordings, downloads, educational materials, digital access products, and other electronically supplied content.

In-Person Course means a short-term in-person professional instructional event, including any course, class, advanced training, training program, masterclass, workshop, seminar, intensive, hands-on training, technique training, Top-Tech training, Top-Tier training, or similarly described event offered by the Company.

Membership means paid or free access to Nail Insider Club, Vikki Swan Nail Academy, or another membership-based area or Service.

One-Time Purchase means a purchase that is charged once and does not automatically renew unless recurring billing is separately and clearly disclosed and agreed to.

Recurring Membership means a Subscription or Membership that automatically renews or continues and results in recurring charges until canceled.

Services means the Websites and all related memberships, courses, digital materials, community areas, account areas, customer portals, feedback, work-review, certificate-related services, Telegram-based delivery, communications, and other products or services provided or operated by the Company.

Websites means vikkiswan.pro, nailinsider.club, nailinsider.com, and any related present or future pages, subdomains, checkout pages, customer portals, community areas, or online properties operated by the Company.

You means the individual or entity purchasing, accessing, or using the Services.

2. General Refund Rule

Except where applicable law requires otherwise, the Company does not provide refunds, partial refunds, prorated refunds, credits, exchanges, or cash equivalents after a purchase has been completed or access has been provided.

The Company’s digital products and Services may provide immediate or near-immediate access to valuable intangible content, membership areas, courses, downloads, community features, feedback systems, or other digital benefits. The inability to physically return such access or content is one reason the Company maintains a strict final-sale policy to the fullest extent permitted by law.

Nothing in this Policy excludes, restricts, or waives a consumer right or statutory remedy that applicable law does not permit the Company to exclude, restrict, or waive.

3. One-Time Digital Purchases

Except where applicable law requires otherwise, a One-Time Purchase is final and non-refundable once any of the following has occurred:

• access to the Digital Product or Service has been granted;
• login credentials, access permissions, course access, Telegram access, community access, download access, or other delivery has been provided;
• any portion of the content has been made available, streamed, opened, viewed, accessed, downloaded, transmitted, or otherwise supplied;
• a manual, PDF, checklist, recording, file, certificate-related service, work review, feedback service, or other digital benefit has been delivered or made available;
• performance of the purchased Service has otherwise begun.

Except where applicable law requires otherwise, no refund is due because You:

• changed Your mind after purchase;
• decided that You no longer want or need the product or Service;
• did not use, complete, open, download, watch, or fully consume the purchased content;
• did not have enough time to use the Service;
• expected a different teaching style, technique, format, difficulty level, result, feature, or outcome;
• are dissatisfied for a subjective reason that does not amount to a legally recognized defect or nonconformity;
• do not possess equipment, products, skills, licenses, permits, internet access, devices, software, or other resources needed to apply or access the material;
• cannot use a technique because of laws, regulations, licensing rules, professional standards, employer policies, or scope-of-practice restrictions applicable to You;
• do not qualify for or do not receive a certificate, feedback approval, competition result, professional result, business result, or other outcome;
• lose access because of Your violation of the Terms & Conditions, account-sharing rules, intellectual-property restrictions, community rules, payment obligations, or other applicable policies.
• did not receive, notice, open, or read an email, receipt, access message, login message, reminder, notification, or other communication that was sent or made available using the contact information You provided;
• provided an incorrect, incomplete, inaccessible, blocked, filtered, full, or abandoned email address, or allowed messages to be routed to spam, junk, promotions, quarantine, or another filtered folder;
• forgot or lost Your password, username, login link, Telegram access information, or other credentials;
• did not understand how to register, log in, navigate the Website, use the Customer Portal, access a course, locate materials, join a community area, or use a Telegram-based delivery method;
• experienced a problem that could reasonably have been addressed through support but did not contact support or did not provide information reasonably requested to investigate the issue;
• did not read the product description, checkout disclosures, Terms & Conditions, Refund & Cancellation Policy, account instructions, Welcome Guide, subscription-management instructions, or other information made available before or after purchase;
• mistakenly assumed that a recurring Membership would cancel automatically, that deleting an app or leaving a Telegram group would cancel billing, or that ceasing to use the Service would stop future charges;
• believed You canceled but did not complete the required cancellation steps or did not receive or retain a cancellation confirmation, unless applicable law requires a different result;
• changed, replaced, lost, closed, or failed to update a payment method, email account, Telegram account, device, telephone number, browser, or other account-related information;
• experienced language, translation, device, browser, software, internet, email-provider, Telegram, or third-party platform issues that do not constitute a legally recognized failure by the Company to supply the purchased Service;
• purchased the wrong product, plan, language version, Membership level, or access option and did not contact support promptly before using or accessing it;
• failed to cancel another, duplicate, legacy, or prior subscription that remained active, unless the Company caused an actual duplicate billing error;

If You are unable to access, locate, understand, or use a purchased Service, You should contact [email protected] promptly and give the Company a reasonable opportunity to assist You. Except where applicable law requires otherwise, failure to seek available support does not create a right to a refund and may be considered when the Company evaluates any request for a voluntary refund.

4. Recurring Memberships and Subscriptions

Recurring Memberships automatically continue or renew at the price and billing frequency disclosed at checkout until canceled.

You may cancel a Recurring Membership before the next renewal through the Customer Portal at:

https://nailinsider.club/account/

You may also contact [email protected] for cancellation assistance.

Cancellation stops future renewal charges. Unless otherwise required by applicable law or expressly stated for a particular offer, cancellation does not retroactively cancel a billing period that has already begun and does not create a refund, credit, or prorated refund for amounts already charged.

Unless otherwise stated, access normally remains available through the end of the billing period already paid for after a cancellation initiated by You.

Except where applicable law requires otherwise, the following do not create a right to a refund of a renewal charge:

• forgetting to cancel before the renewal date;
• failing to use the Membership during the paid billing period;
• failing to review the Membership, billing, account, receipt, renewal, or reminder information made available to You;
• changing Your mind after a renewal has already been processed;
• requesting cancellation after the renewal charge has already been completed;
• not logging into the Membership during the billing period;
• subjective dissatisfaction that does not amount to a legally recognized defect, nonconformity, or statutory ground for refund.
• not receiving, noticing, opening, or reading a receipt, renewal message, reminder, cancellation instruction, or other communication that was sent or made available;
• an email being routed to spam, junk, promotions, quarantine, or another filtered folder;
• forgetting a password, losing access to an email account, changing devices, or failing to update Account information;
• not understanding how to use the Website, Account, Customer Portal, community, Telegram delivery, or cancellation process when support was reasonably available;
• deleting an application, leaving a Telegram channel or group, unfollowing a social-media account, deleting a bookmark, or ceasing use of the Service without completing the applicable cancellation process;
• believing that a payment-card replacement, expired card, failed payment, or other payment-method change automatically canceled the Membership;
• failing to contact support about an access, navigation, billing, or cancellation question before the renewal when reasonable assistance was available;

The Company will provide legally required automatic-renewal disclosures, acknowledgments, cancellation mechanisms, annual reminders, material-change notices, and other notices to the extent required by applicable law. If applicable law provides a remedy because a legally required disclosure, consent, cancellation mechanism, or notice was not provided, this Policy does not eliminate that remedy.

5. Free Trials, Discounts, Coupons, Promotional Pricing, and Legacy Pricing

The Company may offer free trials, discounts, promotional pricing, coupons, introductory pricing, legacy pricing, or other special offers.

Unless applicable law requires otherwise, expiration of a promotion, loss of eligibility for a discount, failure to apply a coupon, failure to use an available discount, or a difference between Your price and the price offered to another customer does not create a right to a refund, price adjustment, retroactive discount, or credit.

If a trial, promotional period, or discounted period converts to paid or higher-priced recurring access, the applicable offer and checkout disclosures will govern, subject to mandatory law.

6. Technical Issues and Access Problems

A temporary technical problem, maintenance period, third-party outage, device incompatibility, internet problem, email-delivery issue, browser issue, or other access problem does not automatically create a right to a refund.

You should contact support and provide a reasonable opportunity for the Company to investigate and, where reasonably possible, restore access, provide an alternative delivery method, or otherwise cure a technical problem.

If applicable law requires a refund, price reduction, termination right, repair, replacement, re-performance, or other remedy because a digital product or Service is legally defective, nonconforming, unavailable, or not supplied as required, the Company will provide the remedy required by applicable law.

Examples of issues that should ordinarily be directed to support before requesting a refund include: missing or filtered emails, password or login problems, inability to locate a course or lesson, difficulty using the Customer Portal, Telegram access issues, browser or device compatibility questions, account-registration problems, forgotten credentials, and uncertainty about how to cancel a Membership.

Except where applicable law requires otherwise, if reasonable support was available and You did not contact support, did not respond to reasonable troubleshooting requests, or did not give the Company a reasonable opportunity to cure an access or delivery issue, that circumstance does not create a refund right and may weigh against any discretionary refund request.

7. In-Person Courses, Classes, Workshops, Masterclasses, and Advanced Training

7.1 Scope and Terminology

For purposes of this Refund & Cancellation Policy, the terms “In-Person Course,” “Course,” “Class,” “Training,” “Advanced Training,” “Advanced Training Program,” “Training Program,” “Top-Tier Training,” “Top-Tech Training,” “Professional Training,” “Masterclass,” “Workshop,” “Seminar,” “Intensive,” “Practical Training,” “Hands-On Training,” “Technique Training,” “Advanced Course,” “Advanced Class,” “Certification Training,” “Certificate Training,” “Competence Training,” “Certificate of Competence,” “Certificate of Completion,” “Competence,” “Proficiency,” “Top-Tech,” “Top-Tier,” and any similar or substantially equivalent term used by the Company in connection with an in-person educational offering refer to a short-term private professional instructional workshop for practicing nail professionals.

The use of any such term in advertising, registration materials, invoices, payment links, checkout pages, communications, course materials, assessments, or certificates is descriptive of the Company’s private professional training only. It does not create or imply a state-approved cosmetology or manicuring school, vocational school, occupational licensing program, government certification program, state-mandated continuing-education program, or program intended to qualify a participant for initial professional licensure or employment.

Unless expressly stated otherwise in writing by the Company, each In-Person Course is limited to no more than two (2) days and no more than sixteen (16) total instructional hours.

7.2 Reservation Deposit

Where registration requires a reservation deposit, the amount identified as the Reservation Deposit at registration, checkout, invoice, payment link, or written confirmation is charged in consideration for reserving a limited seat in the applicable In-Person Course and for the Company’s administrative, scheduling, preparation, planning, staffing, materials, and capacity commitments associated with that reservation.

Except where applicable law requires otherwise, the Reservation Deposit is non-refundable and non-transferable from the time payment is completed.

The Reservation Deposit will be applied toward the total price of the applicable In-Person Course.

A participant’s cancellation, inability to attend, failure to attend, schedule change, personal emergency, illness, injury, travel problem, transportation problem, flight cancellation or delay, work obligation, childcare issue, change of mind, financial circumstance, or other personal circumstance does not create a contractual right to a refund of the Reservation Deposit.

7.3 Full Payment Made in Advance

A participant may pay the entire price of an In-Person Course in advance.

When full payment is made, the portion of the payment equal to the Reservation Deposit that otherwise applies to that Course will be treated as the Reservation Deposit and will be immediately non-refundable and non-transferable, except where applicable law requires otherwise.

The remainder of the amount paid is subject to the cancellation deadlines stated below.

7.4 Cancellation More Than 30 Days Before the Course

If the Company receives a valid written cancellation request more than thirty (30) calendar days before the scheduled starting date of the Course, the participant may receive a refund of amounts paid excluding the non-refundable Reservation Deposit and excluding any other amount that applicable law permits the Company to retain.

No refund of the Reservation Deposit will be provided except where applicable law requires otherwise.

Any voluntary or permitted refund may also be subject to the provisions of this Policy concerning non-recoverable payment-processing fees, currency-conversion costs, banking charges, taxes, affiliate costs, or third-party charges, to the extent permitted by applicable law.

7.5 Cancellation 30 Days or Less Before the Course

All amounts paid become final and non-refundable when thirty (30) calendar days or less remain before the scheduled starting date of the Course.

If a participant cancels, withdraws, becomes unavailable, or is unable or unwilling to attend within this period, no refund, partial refund, prorated refund, credit, transfer, exchange, or participant-initiated rescheduling right will be provided, except where applicable law expressly requires otherwise.

If registration or payment is completed for a Course whose scheduled starting date is already thirty (30) calendar days or less away, the entire payment is final and non-refundable immediately upon completion of payment, except where applicable law requires otherwise.

7.6 After the Course Has Begun

Once the Course has begun, all amounts paid are final and non-refundable to the fullest extent permitted by law.

There is no trial period, satisfaction-guarantee period, introductory refund period, or “first hours” refund period after an In-Person Course begins unless the Company expressly agrees otherwise in a separate written agreement.

No refund, partial refund, prorated refund, credit, transfer, exchange, replacement Course, or participant-initiated rescheduling will be provided because a participant:

• attends only part of the Course;
• arrives late;
• leaves early;
• misses one or more sessions;
• does not return for the second day of a multi-day Course;
• decides not to continue after instruction has begun;
• changes their mind;
• is dissatisfied for a subjective reason that does not constitute a legally recognized failure by the Company to provide the purchased Service;
• expected a different teaching style, technique, difficulty level, format, pace, instructor interaction, or result;
• determines that the Course is too basic or too advanced for the participant’s individual skill level;
• does not achieve a desired technical, professional, business, financial, or career result;
• does not successfully demonstrate a particular technique;
• does not qualify for or receive a certificate;
• does not complete required practical work;
• does not use all materials, instruction, demonstrations, practice opportunities, or other benefits made available during the Course; or
• otherwise elects not to complete the Course.

7.7 No-Shows and Partial Attendance

Failure to attend a scheduled Course without timely cancellation constitutes a no-show.

A no-show is not entitled to a refund, partial refund, credit, transfer, replacement date, or participant-initiated rescheduling, except where required by applicable law.

The same rule applies where a participant attends the first day but fails to attend a subsequent scheduled day, arrives after instruction has begun, or voluntarily leaves before the Course is completed.

7.8 No Participant-Initiated Rescheduling, Transfers, Substitutions, or Credits

Registration is for the specific participant, Course, and scheduled date identified at the time of purchase.

Except where applicable law requires otherwise, the participant has no contractual right to:

• move the registration to another Course or date;
• postpone attendance;
• receive store credit or account credit;
• transfer the registration to another person;
• substitute another participant;
• convert the payment to an online product, Membership, or another Service; or
• apply any amount paid toward a future Course.

The Company may, in an individual case and in its sole discretion, offer a transfer, credit, date change, substitution, or other accommodation as a voluntary customer-service gesture. Any such accommodation does not create a right to the same or a similar accommodation in another case and does not modify this Policy.

7.9 Participant Eligibility, Licensing, and Prerequisites

In-Person Courses are intended for practicing nail professionals and may have professional-license, skill, equipment, model, product, or other participation requirements disclosed before registration.

A participant is responsible for reviewing and satisfying all applicable requirements before purchasing and before attending.

Except where applicable law requires otherwise, a participant is not entitled to a refund because the participant:

• does not possess or maintain a required professional license or authorization;
• provides inaccurate, incomplete, or misleading information regarding professional qualifications;
• fails to satisfy a disclosed prerequisite;
• fails to bring required tools, products, materials, equipment, or a model where specifically required;
• is legally unable to perform a technique or service;
• loses, allows to expire, or otherwise does not maintain a required professional license;
• cannot safely or lawfully participate in a hands-on portion of the Course; or
• is unable to participate fully because of the participant’s individual professional, physical, scheduling, or other circumstances.

7.10 Certificates, Competence, Proficiency, Top-Tech, Top-Tier, and Training Results

The issuance or non-issuance of a Company certificate does not independently create a right to a refund.

Terms such as “Certificate of Competence,” “Certificate of Completion,” “Competence,” “Proficiency,” “Top-Tech,” “Top-Tier,” “Advanced Training,” “Advanced Training Program,” “Professional Training,” “Certification Training,” “Certificate Training,” or similar private educational descriptions refer only to the participant’s completion of and/or demonstrated performance in the particular methods and techniques covered during the applicable private training.

Such terminology does not constitute a representation of governmental licensure, state certification, authorization to practice, Board approval, eligibility for professional licensure, completion of a state-approved licensing program, guaranteed employment, or guaranteed professional competence outside the specific methods and training evaluated by the Company.

Failure to achieve a desired level of proficiency, obtain a particular certificate, satisfy an instructor’s assessment standard, or obtain a desired personal or professional result does not create a refund right.

7.11 Personal Circumstances

Except where applicable law requires otherwise, the Company does not provide refunds, credits, transfers, or participant-initiated rescheduling because of circumstances affecting the participant personally, including:

• illness or injury;
• family or personal emergencies;
• pregnancy or other medical circumstances;
• work or employment obligations;
• childcare;
• transportation problems or traffic;
• airline, train, or other travel disruption;
• inability to obtain travel documents;
• visa or immigration issues;
• weather affecting the participant’s travel;
• hotel or accommodation problems;
• relocation;
• financial hardship;
• scheduling conflicts;
• failure of a model to attend or remain available; or
• any other circumstance that prevents or makes attendance inconvenient.

The Company may make a voluntary exception in an individual case in its sole discretion, but no participant is contractually entitled to such an exception.

7.12 Removal for Conduct, Safety, Licensing, or Policy Violations

To the extent permitted by applicable law, the Company may refuse continued participation in or remove a participant from an In-Person Course for conduct that the Company reasonably determines is unsafe, unlawful, disruptive, abusive, threatening, harassing, materially dishonest, damaging to property, inconsistent with professional or sanitation requirements, or otherwise materially violates the Terms & Conditions, Course rules, licensing requirements, or reasonable instructor directions.

Except where applicable law requires otherwise, removal under this Section does not create a right to a refund, partial refund, credit, transfer, or replacement Course.

7.13 Course Information, Minor Operational Changes, and Failure to Read

Failure to read or review the Course description, dates, hours, location, professional prerequisites, equipment requirements, cancellation terms, Refund & Cancellation Policy, Terms & Conditions, confirmation messages, or other information made available before or after purchase does not create a refund right.

The participant is responsible for verifying the Course date, location, eligibility requirements, and other material registration information before completing payment.

Reasonable changes that do not materially deprive the participant of the purchased Course—including changes to the order of instruction, timing within the scheduled Course day, specific products or tools demonstrated, lesson sequence, practice sequence, room arrangement, or other comparable operational details—do not constitute cancellation and do not create a refund right, except where applicable law requires otherwise.

7.14 Company Cancellation, Rescheduling, and Force Majeure

If the Company cancels an In-Person Course and does not provide the purchased Course or a mutually accepted replacement, the Company will refund amounts paid directly to the Company for the canceled Course to the extent required by applicable law.

If the Company materially changes the scheduled Course date, the Company may offer attendance on the replacement date or another reasonable resolution. Where applicable law requires a refund because of a Company-initiated cancellation or material schedule change, the Company will provide the legally required remedy.

To the maximum extent permitted by applicable law, where performance is prevented, delayed, made unsafe, or materially affected by circumstances beyond the Company’s reasonable control—including natural disasters, severe weather, fire, flood, earthquake, public-health emergency, governmental order, utility failure, building closure, transportation disruption, civil disturbance, war, terrorism, labor disruption, instructor medical emergency, or other force-majeure event—the Company may postpone or reschedule the affected Course rather than cancel it outright. Any refund right in such circumstances is limited to the extent required by applicable law.

Unless applicable law requires otherwise, the Company is not responsible for independently purchased airfare, transportation, lodging, meals, lost income, missed work, childcare, model expenses, supplies, visa expenses, or other incidental or consequential costs incurred in connection with attendance.

7.15 Written Cancellation Requests

A participant who seeks to cancel registration must send a written cancellation request to:

[email protected]

A cancellation request should identify the participant, the applicable Course, the scheduled Course date, and the email address used for payment.

The timing of a cancellation for purposes of the thirty (30)-day deadline is determined by the date and time the written cancellation request is received by the Company.

Social-media comments, unfollows, deletion of messages, failure to attend, failure to complete a payment, or other conduct does not constitute cancellation.

7.16 Payment Disputes Relating to In-Person Courses

The participant is encouraged to contact the Company promptly regarding any billing, cancellation, attendance, or Course-related issue before initiating a chargeback or other payment dispute so that the Company has a reasonable opportunity to investigate the matter.

Where permitted by applicable law and applicable payment-network or processor rules, the Company may contest a payment dispute and provide evidence including, as applicable:

• the Course description and scheduled dates;
• the Refund & Cancellation Policy shown or made available before purchase;
• the Terms & Conditions;
• evidence of the participant’s acceptance of applicable terms;
• checkout and payment records;
• invoices and receipts;
• registration confirmations;
• emails, messages, and other communications;
• cancellation-request records and timestamps;
• attendance, sign-in, and check-in records;
• photos, records, or other documentation of Course participation where lawfully maintained;
• records showing delivery of Course materials or instruction;
• certificate or assessment records, where applicable; and
• other information relevant to authorization, disclosure, attendance, delivery, cancellation, or performance of the purchased Service.

Nothing in this Section waives any payment-dispute, billing-error, unauthorized-transaction, or consumer right that applicable law does not permit a participant to waive.

7.17 Mandatory Legal Rights

All provisions of this Section apply to the maximum extent permitted by applicable law.

Nothing in this Section excludes, restricts, or waives a statutory cancellation, refund, consumer-protection, billing-error, unauthorized-transaction, or other remedy that applicable law does not permit the Company to exclude, restrict, or waive.

8. Duplicate, Incorrect, or Unauthorized Charges

If You believe You were charged more than once for the same transaction, charged an amount different from the amount You authorized, or charged without authorization, contact the Company promptly at [email protected] so that the transaction can be reviewed.

The Company may request information reasonably necessary to identify the transaction, verify account ownership, investigate fraud, or determine whether a billing error occurred.

If the Company confirms an actual duplicate charge or billing error attributable to the Company or its systems, the Company may correct the transaction as appropriate. Nothing in this section limits any payment-dispute, unauthorized-transaction, billing-error, or other right that applicable law does not permit You to waive.

9. Chargebacks and Payment Disputes

If You believe there is a billing, access, delivery, cancellation, or transaction problem, the Company strongly encourages You to contact [email protected] before initiating a chargeback, card dispute, PayPal dispute, bank dispute, or similar payment claim so that the Company has a reasonable opportunity to investigate and, where appropriate, resolve the issue.

Except where applicable law provides otherwise, a chargeback, card dispute, PayPal dispute, bank dispute, or similar payment dispute is not a substitute for canceling a Recurring Membership and does not itself terminate future recurring billing. If You want future renewals to stop, You remain responsible for completing an available cancellation method.

Where permitted by applicable law and the applicable payment-network or processor rules, the Company may contest a dispute and provide relevant evidence to Stripe, PayPal, a card network, issuing bank, acquiring bank, payment processor, or other dispute administrator.

Such evidence may include, as applicable:

• the checkout page, recurring-price disclosure, automatic-renewal disclosure, required checkbox, and other consent or acceptance records;
• the Terms & Conditions, Refund & Cancellation Policy, Privacy Policy, cancellation policy, and evidence showing how those terms were presented before purchase;
• order confirmations, purchase receipts, invoices, renewal notices, reminder emails, transactional emails, and delivery or access messages;
• order IDs, transaction IDs, customer IDs, subscription IDs, payment status, payment-method metadata, AVS/CVC or authentication results made available by the processor, and other transaction records;
• Account-registration information and records connecting the purchaser, cardholder, Account, email address, Telegram account, or other identifiers;
• IP addresses, timestamps, login records, access logs, download logs, course activity, content usage, community activity, Customer Portal activity, and other system records showing delivery, receipt, or use of a digital product or Service;
• support messages, emails, chat records, cancellation requests, cancellation confirmations, refund requests, and other customer communications;
• records showing whether the Subscription was active, when it was canceled, whether the disputed charge occurred before or after cancellation, and whether access continued after the disputed transaction;
• records showing that the customer did not contact support before filing a dispute, where that fact is relevant under the applicable dispute rules;
• other evidence reasonably necessary to establish authorization, delivery, access, use, disclosure of terms, compliance with cancellation procedures, or the validity of the transaction.

If a payment is reversed, refunded, charged back, or otherwise not successfully settled, the Company may suspend or terminate access associated with that payment to the extent permitted by law.

A payment processor, card network, bank, or dispute administrator independently determines the outcome of a dispute under its own rules. This Policy does not guarantee that the Company will prevail in any particular dispute and does not bind an independent bank, card issuer, card network, Stripe, PayPal, or other payment provider.

Nothing in this Policy prohibits You from exercising a lawful chargeback, billing-error, unauthorized-transaction, or payment-dispute right that cannot legally be waived.

9.1 Temporary Suspension During a Payment Dispute

If You initiate a chargeback, card dispute, PayPal dispute, bank dispute, or similar payment claim concerning a payment for a Membership, course, Digital Product, or other Service, the Company may, to the extent permitted by applicable law, temporarily restrict, suspend, or disable access to the Service associated with the disputed payment while the dispute is pending. The Company may do so because a disputed payment may be reversed, withheld, placed at risk, or otherwise treated as unsettled during the dispute process, and to reduce fraud, duplicate recovery, unauthorized access, or additional disputed usage.

The Company may impose such a temporary suspension whether or not You contacted support before filing the dispute. However, where You filed a dispute without first contacting support about an issue that could reasonably have been investigated or resolved by support, that fact may be considered in connection with discretionary refunds, account risk review, and the Company’s response to the dispute, but it does not waive any non-waivable statutory or payment-dispute right.

Except where applicable law requires otherwise, a temporary suspension caused by a pending payment dispute does not automatically pause, toll, extend, restart, or add time to the billing period or access period associated with the disputed payment. The applicable subscription term, billing period, or expiration date may continue to run while access is temporarily suspended.

A payment dispute does not itself constitute a cancellation of future recurring billing. If You want future renewals to stop, You must separately cancel the Recurring Membership using an available cancellation method, unless applicable law requires a different result. The Company may nevertheless choose to pause collection, cancel a subscription immediately, schedule cancellation at the end of the current billing period, or otherwise modify future billing during a dispute when the Company considers it appropriate or when required by applicable law, a payment processor, card network, or financial institution.

If the dispute is resolved in the Company’s favor, access may be restored subject to the status of the Account, the applicable Membership term, these Terms, this Policy, and any other outstanding payment or compliance issue. Unless required by applicable law or granted by the Company in its discretion, restoration of access does not create a retroactive credit, refund, or extension for time during which access was suspended because the payment remained in dispute.

If the disputed payment is ultimately reversed, refunded, or otherwise not received by the Company, the Company may terminate or continue to withhold the access associated with that payment to the extent permitted by law.

10. Payment Processing Fees, Currency Conversion, Taxes, and Third-Party Charges

Payment processors, banks, card issuers, PayPal, currency-conversion providers, and other third parties may charge fees or apply exchange rates that are outside the Company’s control.

To the extent permitted by applicable law, if the Company grants a refund voluntarily rather than because the refund is legally required, the Company may deduct or exclude non-recoverable payment-processing fees, currency-conversion costs, banking fees, affiliate or third-party costs, or taxes and charges that are not recoverable by the Company.

If applicable law requires a full refund or prohibits a deduction, the Company will not make a deduction that the law prohibits.

11. Termination for Violation of Terms

Where permitted by applicable law, if the Company suspends or terminates access because of account sharing, unauthorized copying or distribution, intellectual-property infringement, fraud, nonpayment, abusive conduct, circumvention of technical protections, material misrepresentation, unlawful activity, or another material violation of the Terms & Conditions, the user is not entitled to a refund for the terminated access.

This section does not eliminate a mandatory consumer remedy that applicable law does not permit the Company to exclude.

12. Refunds Granted at the Company’s Discretion

Without creating any obligation to do so, the Company may choose to issue a refund, partial refund, credit, extension, replacement access, or other accommodation in an individual case as a voluntary customer-service gesture.

Any voluntary accommodation:

• is granted at the Company’s discretion unless applicable law requires otherwise;
• does not establish a precedent or create an obligation to provide the same accommodation in another case;
• does not amend this Policy for future transactions;
• may be conditioned on termination or revocation of the refunded access where legally permitted.

13. Effect of a Refund or Payment Reversal on Access

Unless applicable law requires otherwise, if the Company refunds, reverses, credits, or does not successfully receive payment for a Digital Product, Membership, or Service, the Company may immediately revoke, disable, suspend, or terminate access associated with the refunded or unpaid transaction.

A refund does not transfer ownership of Company Content and does not authorize You to retain, copy, redistribute, teach, publish, sell, or otherwise exploit protected materials in violation of the Terms & Conditions.

14. Limitation of Refund Amounts and Monetary Liability

Except where applicable law requires a greater refund or monetary remedy, a voluntary refund will not exceed the amount actually paid by You to the Company for the specific transaction being reviewed.

For a Recurring Membership, and to the maximum extent permitted by applicable law, the Company’s total aggregate monetary liability arising out of or relating to the Membership, including any contractual refund or monetary claim, will not exceed the amount actually paid by You to the Company for the most recent billing period of the specific Membership giving rise to the claim.

For a One-Time Purchase, and to the maximum extent permitted by applicable law, the Company’s total aggregate monetary liability arising out of or relating to that purchase will not exceed the amount actually paid by You to the Company for the specific One-Time Purchase giving rise to the claim.

No provision of this Section limits a refund, reimbursement, statutory damages remedy, unauthorized-transaction remedy, or other monetary right that applicable law expressly does not permit the Company to limit. This Section also does not expand the Company’s liability beyond the limitations stated in the Terms & Conditions.

15. European Union, United Kingdom, and Other Mandatory Consumer Rights

Consumers in the European Union, United Kingdom, and certain other jurisdictions may have mandatory statutory rights that differ from the Company’s general final-sale policy. Those mandatory rights apply to the extent required by the law applicable to the transaction and cannot be waived by this Policy where the law prohibits waiver.

15.1 Statutory Withdrawal Rights

Where applicable law provides a statutory cooling-off or withdrawal period for a distance contract, the Company will honor that right to the extent legally required.

For digital content that is not supplied on a tangible medium, applicable law may permit the statutory withdrawal right to be lost after supply begins if, before supply begins, the consumer has given the legally required prior express consent to immediate performance, acknowledged the resulting loss of the withdrawal right, and received any confirmation required by law.

For services or digital services, different rules may apply. Where permitted by applicable law, if You expressly request performance to begin during a statutory withdrawal period and later exercise a valid withdrawal right before full performance, You may be responsible for a proportionate amount for Services already supplied. A withdrawal right may end after full performance only where the legally required conditions, consent, and acknowledgment have been satisfied.

If the Company has not obtained consent, acknowledgment, confirmation, or other formalities that applicable law requires before a statutory withdrawal right may be lost or reduced, this Policy does not treat that right as waived.

15.2 Defective or Nonconforming Digital Content and Services

Nothing in this Policy limits statutory rights relating to digital content or services that fail to conform to mandatory legal requirements. Where applicable law requires repair, re-performance, replacement, price reduction, contract termination, reimbursement, refund, or another remedy, the legally required remedy will remain available.

15.3 Other Jurisdictions

If the law of Your jurisdiction provides a mandatory cancellation, refund, cooling-off, warranty, conformity, or other consumer right that cannot lawfully be waived, that right will apply notwithstanding a conflicting provision of this Policy.

16. Purchases Through Third-Party Sellers or Marketplaces

If a product or service is purchased from an independent third-party seller or marketplace rather than directly from Vikki Swan LLC, the third party’s refund, cancellation, return, and payment procedures may apply to that transaction.

Stripe and PayPal may process payments on behalf of the Company, but the fact that a payment is processed through a payment provider does not, by itself, replace this Policy where Vikki Swan LLC is the seller of the applicable Service.

17. How to Request Review of a Refund Issue

If You believe applicable law entitles You to a refund or another remedy, or if You want the Company to consider a voluntary exception, contact:

[email protected]

Include enough information to identify the transaction, such as Your name, email address used for purchase, order or transaction information if available, the product or Membership involved, and a concise explanation of the issue.

The Company may request additional information reasonably necessary to verify Your identity, investigate the transaction, determine whether a legal right applies, or prevent fraud or abuse.

The Company will evaluate requests in accordance with this Policy and applicable law. Nothing in this section makes a voluntary refund mandatory or limits a right or remedy that applicable law does not permit the Company to limit.

18. Fraud, Abuse, and Misrepresentation

To the extent permitted by law, the Company may deny a voluntary refund, suspend access, or take other appropriate action where the Company reasonably determines that a request involves fraud, material misrepresentation, account sharing, unauthorized copying, unauthorized redistribution, abuse of refund procedures, intentional circumvention of access controls, repeated abusive claims, or other material misconduct.

This section does not authorize the Company to deny a refund or remedy that applicable law requires despite the conduct at issue.

19. Relationship to the Terms & Conditions

This Policy forms part of the Company’s Terms & Conditions. The Terms & Conditions are available on the Website through which You access or purchase the Services.

If a product-specific written term or legally required checkout disclosure directly conflicts with this general Policy concerning a particular transaction, the more specific term controls for that transaction to the extent permitted by applicable law.

20. Changes to This Policy

The Company may update this Policy from time to time to reflect changes in the Services, business practices, payment systems, applicable law, or other legitimate operational needs.

The “Last updated” date at the top of this Policy identifies the latest revision.

Where applicable law requires additional notice, consent, or another procedure before a change applies to an existing transaction or Recurring Membership, the Company will follow the legally required procedure. Otherwise, the updated Policy will apply as permitted by law.

21. Contact Us

Questions about refunds, cancellations, or this Policy may be sent to: