Legal

REFUND POLICY

Effective Date: August 10, 2026  |  Last Updated: August 10, 2026

Please read this policy carefully before completing any purchase.

1. No Refund Policy — Digital Products

Due to the digital, immediately-accessible nature of our products and services, STAX AI Business OS does not offer refunds, returns, credits, or exchanges under any circumstances once a purchase has been completed and access has been granted.

This policy applies to all STAX offerings, including but not limited to:

• Digital templates, downloads, and toolkits (including the STAX Core — AI Business Starter Kit);
• Monthly membership subscriptions (including STAX Pro — Monthly Membership);
• Premium toolkit purchases (including STAX Inner Circle — Premium Toolkit);
• AI agent frameworks, automation blueprints, and proprietary methodologies;
• Educational courses, guides, roadmaps, and video content;
• Consulting services, strategy sessions, and done-for-you work;
• Any free-to-paid upgrade or add-on purchase.

2. Why We Have This Policy

All STAX products are delivered digitally. Upon purchase completion, you receive immediate access to the purchased content — including downloadable files, templates, frameworks, or membership access. Because this content is delivered and fully accessible at the moment of purchase, it cannot be "returned" in the traditional sense. The no-refund policy is necessary to protect the integrity and proprietary nature of our intellectual property.

This is consistent with the standard practice among digital product businesses and is legally recognized in the United States and most international jurisdictions when clearly disclosed prior to purchase — as it is here.

3. Non-Refundable Circumstances

Refunds will not be issued for any of the following reasons:

• Change of mind or buyer's remorse;
• Failure to use or implement the purchased product;
• Dissatisfaction with business results or income outcomes;
• Technical difficulties on your device, browser, or software that are outside our control;
• Duplicate purchases made in error;
• Forgetting to cancel a subscription before renewal;
• Claiming you did not receive access (we maintain delivery logs — please contact support if you have access issues);
• Purchasing the wrong product tier;
• Dissatisfaction with content that was accurately described in the product listing.

4. Subscription Cancellations

You may cancel your STAX Pro membership or any other recurring subscription at any time through your account settings. Upon cancellation:

• Your access will continue through the end of the current paid billing period;
• No further charges will be made after the current billing period ends;
• No pro-rated refunds are provided for the unused portion of any billing period;
• Cancellation must be completed at least 24 hours before the next renewal date to avoid being charged for the next period.

To cancel, log into your account and navigate to subscription settings, or contact support@stax.bywillo.ai for assistance.

5. Chargebacks & Disputes

Initiating a chargeback or payment dispute with your bank or card issuer for a purchase that falls under this no-refund policy constitutes a breach of these Terms. In such cases, we reserve the right to: (a) provide your bank or card issuer with evidence of this policy and your agreement to it at the time of purchase; (b) immediately and permanently terminate your access to all STAX products and services; and (c) pursue recovery of chargeback fees and associated costs. We take fraudulent chargebacks seriously and will defend all such disputes with documented evidence.

If you have a concern about a charge, please contact us first at support@stax.bywillo.ai before initiating a dispute. We are committed to resolving legitimate concerns and will work with you in good faith.

6. Technical Access Issues

If you experience any difficulty accessing your purchased product immediately after purchase, please do not assume the transaction failed and repurchase. Contact our support team at support@stax.bywillo.ai within 48 hours, providing your purchase email and transaction ID. We will resolve access issues promptly at no additional charge. Access issues are not grounds for a refund but will be corrected as a support matter.

7. Statutory Consumer Rights

Nothing in this Refund Policy is intended to limit or exclude rights that cannot be waived under applicable mandatory consumer protection laws. If you reside in a jurisdiction where mandatory statutory refund rights apply to digital products (such as certain EU member states under the Digital Content Directive, or Australian Consumer Law), those rights are preserved. Contact us if you believe a statutory right may apply to your situation and we will assess your request accordingly.

8. Contact & Support

We stand behind the quality of our products. If you have a concern before purchasing, we encourage you to reach out — we would rather answer your questions upfront than have you purchase something that isn't the right fit.

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