Refund and Cancellation Policy

This policy explains cancellation and refund treatment for Black Summit Holdings LLC professional services, direct digital products, and purchases completed through approved external marketplaces.

Professional services

Customers may request cancellation by contacting Black Summit Holdings LLC as soon as possible.

Before substantive work begins

A full refund is available if cancellation is requested before Black Summit Holdings begins substantive work on the purchased service.

Administrative setup, payment processing, and initial scheduling do not by themselves constitute substantive work.

After substantive work begins

Once substantive work has begun, refunds are determined based on the portion of the agreed scope already completed.

Black Summit Holdings may deduct:

• Work already performed
• Research or analysis already completed
• Drafts or deliverables already prepared
• Third-party costs specifically authorized for the engagement
• Non-refundable payment-processing fees where permitted

Any remaining eligible balance will be refunded to the original payment method.

After final delivery

Once the final deliverable has been completed and delivered, the service is generally non-refundable except where:

• Black Summit Holdings failed to deliver the agreed scope
• The delivered work materially differs from the approved service description
• Applicable law requires otherwise

Requests based solely on a change of mind, a change in business plans, or dissatisfaction with an outcome that was not guaranteed do not automatically qualify for a refund.

Out-of-scope or unsuitable intake

If customer-provided intake reveals that the requested work exceeds the purchased scope; requires handling Black Summit Holdings cannot support; involves prohibited or sensitive information; requires legal, regulatory, engineering, compliance, or other professional determinations outside the stated service; or cannot reasonably be completed from the supplied information, work will pause.

The customer may be offered:

• A revised scope and price
• A narrower deliverable
• Cancellation and an appropriate refund
• Another mutually agreed resolution

No expanded scope will begin without customer approval.

Customer delays or incomplete information

Delivery timelines begin only after complete eligible intake is received.

If the customer does not provide required information, clarification, or feedback within 30 calendar days, Black Summit Holdings may close the engagement after providing reasonable notice. Any refund will account for work already completed.

Revision limits

Services include only the revision rounds stated in the service description. Requests that materially change the original scope, introduce new source material, or require additional deliverables may require a revised agreement or additional fee.

Digital products purchased directly from Black Summit Holdings

Because downloadable digital products are delivered immediately and cannot practically be returned, direct digital-product purchases are generally non-refundable after access or download.

A refund or replacement may be considered when:

• The file is defective
• The customer receives the wrong product
• The product materially differs from its description
• Duplicate payment occurred
• Applicable law requires a refund

Marketplace purchases

Purchases completed through Etsy are governed by the applicable Etsy listing, seller policy, transaction terms, and Etsy buyer-protection rules. Sellers establish their own return policies, while qualifying transactions may also fall under Etsy’s purchase-protection process.

Amazon purchases are governed by Amazon’s policies applicable to the specific format, product, and transaction.

Black Summit Holdings cannot override a marketplace’s processing, return, cancellation, or refund rules.

Refund processing

Approved refunds will be issued to the original payment method. Processing time depends on the payment provider and financial institution. Black Summit Holdings does not control the time required for a bank or card issuer to post the credit.

Billing concerns

For billing, cancellation, refund, duplicate-charge, or service concerns, contact:

Please include:

• Purchaser name
• Purchase email
• Transaction date
• Service or product purchased
• Brief explanation of the issue

Do not send payment-card numbers, passwords, identity documents, or other sensitive information.

Disputes

Customers are encouraged to contact Black Summit Holdings before filing a payment dispute so the issue can be reviewed directly.

Nothing in this policy limits rights that cannot legally be waived.