Refunds and withdrawal

We want you to get what you paid for. If something is wrong with a download, write to pleroma@stefansalkimia.com and we will fix it. For anything else, read on.

At the pre-checkout step you see a checkbox: "I want the download to start immediately and I understand this means I lose my 14-day right of withdrawal." You have to tick it to proceed.

• •If you tick the box and complete the purchase, you are asking us to deliver the PDF immediately and you are acknowledging that once the download starts, you lose the 14-day withdrawal right under Art. 16(m) of Directive 2011/83/EU. This is the trade the law explicitly allows for digital content.
• •If the file is defective, corrupt, the wrong language, or not what the product page described, your statutory warranty rights under Directive (EU) 2019/770 still apply. Write to us and we will replace or refund.

You can cancel at any time from the billing portal linked in every Inner Circle email and at /inner-circle/manage. Cancellation takes effect at the end of the period you have already paid for. We do not prorate refunds for unused time within a billing period. If we accidentally charge you a renewal after you've cancelled, that's our mistake and we refund it in full — email us.

Always back to the original payment method, via Stripe. They usually land within 5–10 business days depending on your bank.

• •Refund you after you have waived the 14-day right and the content was delivered as described, unless there is a genuine defect.
• •Refund your bank's currency-conversion fee — that's their margin, not ours.

If you think a refund decision is wrong, escalate to the Bulgarian Commission for Consumer Protection (Комисия за защита на потребителите, kzp.bg) or the EU ODR platform at ec.europa.eu/consumers/odr.