Refund Policy

Last updated: [Insert Date]

Digital Products

Because UM GLOBAL sells digital products that are delivered electronically and can be downloaded immediately upon order approval, all sales are generally final once a file has been downloaded. Due to the nature of digital goods, we cannot "return" a downloaded file the way a physical product can be returned.

When a Refund May Be Considered

• The product file is corrupted, missing, or significantly different from its description, and our support team is unable to resolve the issue
• You were charged for an order that was never approved or delivered
• A duplicate charge was made in error

How to Request a Refund

Contact support@umglobalsolutions.com within 7 days of your purchase, including your order number and a description of the issue. Since payments are made via cryptocurrency, approved refunds are issued back to the wallet address used for payment and may take time to process depending on network conditions.

Non-Refundable Situations

• Change of mind after downloading a file
• Incompatibility with software or systems not listed in the product's stated requirements
• Requests made outside the 7-day window above

This is a general-purpose template. Please have it reviewed by a qualified professional and adjust the refund window/conditions to match your actual business policy before relying on it.