Refund Policy

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1. Overview

COMERCIAL DISKOL LTDA ("Comercial Diskol", "we", "us") is committed to delivering genuine value through every subscription. We stand behind the quality of our digital products and aim to resolve billing concerns fairly and transparently.

Because our products are digital and immediately accessible upon subscription, our refund policy reflects the nature of digital goods while complying with applicable consumer protection law, including Brazil's Código de Defesa do Consumidor (Law 8,078/1990).

2. Eligible Refund Circumstances

We offer full or partial refunds in the following specific circumstances:

3. Non-Refundable Circumstances

Refunds will not be granted in the following situations:

• Change of mind after the 7-day guarantee window has expired.
• Failure to cancel a subscription before the next billing cycle begins.
• Partial usage of a subscription period where content has been substantially accessed.
• Renewal charges on existing subscriptions (the 7-day guarantee applies to initial purchases only).
• Promotional or discounted subscriptions unless otherwise stated at the time of purchase.
• Accounts suspended or terminated for violations of our Terms of Service.
• Dissatisfaction with content after the 7-day window, where the service has been functioning as described.

4. How to Request a Refund

To submit a refund request, please contact our support team by email with the following information:

• Your full name and registered email address.
• The subscription plan and platform you subscribed to.
• The date of the transaction and approximate charge amount.
• The reason for the refund request.

5. Processing Time

Once a refund is approved, please allow:

• 1–3 business days for the refund to be initiated on our end.
• 5–10 business days for the funds to appear on your original payment method, depending on your bank or card issuer.

Refunds are always issued to the original payment method used at the time of purchase. We are unable to issue refunds to a different payment method.

6. Chargebacks and Payment Disputes

If you initiate a chargeback or payment dispute with your bank or card issuer without first contacting our support team, we reserve the right to:

• Suspend access to our platforms while the dispute is under review.
• Provide evidence of service delivery to your payment provider.
• Permanently ban the associated account if the chargeback is found to be fraudulent.

We strongly encourage customers to contact us directly at comercialdiskol@gmail.com before initiating a chargeback. Most billing concerns can be resolved quickly through direct communication.

7. Consumer Rights

Nothing in this Refund Policy limits or excludes your rights under applicable Brazilian consumer protection law, including the Código de Defesa do Consumidor (Law 8,078/1990), or any other mandatory consumer protection legislation in your jurisdiction.

Under Brazilian law, consumers who purchase digital products online have the right to cancel the purchase within 7 calendar days from the date of the contract or receipt of the product, without giving any reason, and receive a full refund ("direito de arrependimento"). We honor this right in full.

8. Changes to This Policy

We may update this Refund Policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of our Services after changes are posted constitutes acceptance of the updated policy.

9. Contact