I. Scope of Policy Application
This refund policy applies to all virtual consulting products purchased in the United States through the https://univizo.com/ website (hereinafter referred to as the “Site”), including but not limited to online consulting services, e-courses, digital downloads, and membership subscriptions. This policy does not apply to physical goods or other services.
II. Refund Principles
Due to the instant delivery and knowledge transfer nature of virtual products, some products may not be eligible for unconditional refunds.
Refund requests must meet the conditions set forth in this policy and be submitted within the specified timeframe.
This Site will review and process refunds within XX business days of receiving a complete and eligible refund request.
III. Circumstances in Which Refunds Can Be Requested
Services Not Provided/Products Not Delivered:
If the service or product is not delivered within the agreed timeframe after purchase (e.g., if the download link or access rights are not received), a full refund may be requested.
Services Not Performed or Not Completed:
If a scheduled consultation or service has not commenced, a full refund may be requested.
If a service has been partially provided (e.g., a course has been partially viewed or a consultation has been partially completed), the refund ratio will be negotiated based on the progress of the service. Major Quality Issues or False Advertising:
If the product content seriously differs from the description or if a functional defect prevents normal use, and this issue has been confirmed by this website, a full or partial refund may be requested.
Technical Issues:
If a technical issue on this website prevents users from accessing or using purchased services or products, a refund may be requested after verification.
Incorrect Purchases or Duplicate Payments:
Duplicate purchases or erroneous transactions caused by user error may result in a full refund.
IV. Non-Refundable Circumstances
Fully Delivered and Correct Products or Services:
Consultations, courses, digital content, etc. have been completed or delivered as agreed and function properly.
User-Specific Reasons:
Users’ subjective needs change or dissatisfaction with the service results, but this does not meet the “major quality issue” criteria;
Users fail to use the service or download the product within the specified timeframe (e.g., exceeding the scheduled timeframe or not proactively requesting the download link).
Digital Product Restrictions:
Under US federal and state laws, digital products (such as e-books, software, and course videos) that have been downloaded or accessed are generally not eligible for refunds without reason unless there are significant defects. Violation of the Terms of Service:
Service termination due to violation of the Terms of Service will not be refunded.
V. Refund Request Process
Log in to your account on this website, go to the “Order Management” page, and find the corresponding order.
Submit a refund request, stating the reason for the refund and attaching necessary evidence (such as communication records, payment receipts, screenshots of the problem, etc.).
This website will review the request within 7 business days and notify you of the review result by email.
Once approved, the refund will be returned to the original payment account (the time of arrival will depend on the payment platform’s rules).
VI. Refund Amount and Method
Eligible refunds will be made based on the actual amount paid.
If the service has been partially used, the refund amount will be deducted from the proportion of the fees used (the specific proportion will be agreed upon by both parties or calculated based on the progress of the service).
Refund Method: Refund will be made through the original payment method (e.g., credit card, PayPal, etc.).
VII. Liability and Limitations
Users are responsible for the authenticity of their refund requests. Providing false information may result in the refund being rejected and you may be held legally liable.
If the refund obligation cannot be fulfilled due to force majeure (such as natural disasters or government actions), both parties may negotiate a solution. 8. Dispute Resolution
If there is a dispute regarding the refund policy or the outcome of the process, both parties shall first resolve the dispute through negotiation. If negotiation fails, the dispute may be submitted to the court or arbitration institution in the location of this website, based on the jurisdiction selected at the time of purchase.

Contact Information
For questions or refund requests, please contact:
Customer Service Email: [service@univizo.com]
Customer Service Phone: [9097028921]
Company Address: [4261 ODYSSEY DR.#116 CORONA,CA 92883]