Overview
Spicy Cards is a subscription-based digital product sold through Gumroad. After successful payment, access is provided through a Gumroad receipt email containing a content access link. This Refund Policy explains when refunds may be granted and how to request one.
Payment processing
Payments (and any approved refunds) are processed through our payment checkout provider, Gumroad (including checkout displayed as an overlay). Refunds, if approved, are issued back to the original payment method used at checkout.
Digital delivery and statutory rights
Because Spicy Cards is delivered digitally and access is provided immediately after purchase, cancellation or “cooling-off” rights may not apply once digital delivery has begun, where local law permits this and where any required customer consent and acknowledgment have been provided during checkout.
Subscriptions renew automatically unless cancelled. If a subscription is cancelled, access continues until the end of the already paid billing period. Cancelling a subscription does not automatically create a refund.
Nothing in this policy limits any mandatory consumer rights that may apply under the laws of a customer’s country of residence.
Refund eligibility (case-by-case)
Refund requests are reviewed on a case-by-case basis. A refund may be granted in situations such as:
A) Duplicate or incorrect charges
- Duplicate purchase of the same plan, duplicate charge for the same order, or another clearly incorrect recurring charge.
B) Access delivery failures that support cannot resolve
- The receipt email access flow does not work due to an issue on our side, and support cannot provide access within a reasonable timeframe after troubleshooting.
C) Product not functioning as described (material issues)
- A material technical issue prevents normal use of Spicy Cards as described on the purchase page, and we cannot resolve it within a reasonable timeframe.
D) Unauthorized transactions
- A purchase appears to be unauthorized, and the payment method owner provides relevant verification so we can investigate.
Situations that generally do not qualify for a refund
Refunds are generally not granted for:
- Change of mind after access has been delivered and the billing period has started, except where required by applicable law.
- Email delivery problems caused by the buyer’s email settings (spam filtering, blocked domains) when we can help locate the receipt, re-send guidance, or provide a workable alternative.
- Issues caused by the buyer’s device, browser, extensions, local network restrictions, or VPN/firewall settings when support can provide reasonable troubleshooting steps and the product can be accessed.
- Misuse of the product or failure to follow basic access instructions provided in the receipt email or on the access page.
- Requests that appear to involve abuse of the refund process (for example, repeated purchases followed by repeated refund requests, or evidence of sharing/redistributing access).
Before requesting a refund: support first
If the issue is access-related (missing receipt email, broken content link, access page trouble), please contact us first. Most access issues can be resolved quickly after verifying the purchase.
How to request a refund
To request a refund, email contact@spicy-cards.com and include:
- The email address used at checkout
- The approximate purchase date and amount
- A short explanation of the issue or reason for the request
- Any relevant screenshots or error messages (for technical issues)
We may request additional information to verify the purchase or investigate unauthorized transactions.
Refund method and timing
If a refund is approved, it will be issued to the original payment method used at checkout. The time it takes for the refund to appear on a statement varies by bank or payment provider. Partial or prorated refunds are not normally offered unless required by law or approved in a specific case.
Chargebacks and payment disputes
If you believe a charge was unauthorized, contact us first so we can investigate and, where appropriate, resolve the issue without a dispute. If a chargeback is filed with the card issuer or payment provider, the dispute process will follow the payment provider’s procedures.
Policy updates
We may update this Refund Policy from time to time. Changes will be posted on this page and reflected in the “Last updated” date above.