Refund Policy

Thank you for using Creative Stack Guild, managed by Great Innovation Inc. ("Company", "we", "our", or "us"). This Refund Policy explains how we handle refund requests involving Credits, Bonus Credits, and E-Learning Materials available through our Platform. Because our services consist primarily of digital Credits and digital educational content, refund eligibility may depend on the status and circumstances of the relevant transaction. By purchasing Credits or obtaining E-Learning Materials through the Platform, you acknowledge and agree to this Refund Policy.

1. Digital Products and E-Learning Material Access

Creative Stack Guild provides digital products and services, including:

Purchased Credits and promotional or Bonus Credits where applicable
Access to selected design materials and their available Skill Levels
Digital educational and instructional Materials

Since Credits and E-Learning Materials are supplied digitally, completed transactions are generally subject to restrictions on refunds. Any refund consideration will depend on the type of transaction, whether the relevant Credits or Materials have already been used or accessed, the circumstances of the request, and any rights provided by applicable law.

2. Purchased Credits and Refunds

Purchased Credits are digital units acquired with real money and are added to the applicable user Account after the transaction has been successfully processed. Credits are intended to be used within the Platform to obtain eligible E-Learning Materials.

2.1 Completed Credit Purchases: A successfully completed Credit purchase will generally not qualify for a refund. This may include situations where you change your mind, accidentally purchase Credits, do not use the Credits, allow Credits to expire where an expiration period applies, purchase an unsuitable Credit package, or later decide that you no longer need the Credits. Exceptions may apply where required by applicable law or where the transaction was incorrectly processed because of an error on our part.
2.2 Incorrect, Duplicate, or Unauthorized Charges: If you believe that an incorrect amount was charged, the same transaction was processed more than once, or a transaction was unauthorized, please contact us at info@creativestackguild.com as soon as reasonably possible. We may request transaction information and other relevant details so that the matter can be reviewed and an appropriate resolution can be determined.
2.3 Bonus and Promotional Credits: Bonus Credits, promotional Credits, complimentary Credits, reward Credits, and other Credits provided without a separate monetary payment are non-refundable and do not have cash value, except where applicable law requires otherwise. If a purchased Credit package containing Bonus Credits is approved for a refund, only the eligible amount actually paid for the Purchased Credits will be considered. Associated Bonus or promotional Credits will not be included in the refundable amount and may be cancelled or removed where appropriate.

3. E-Learning Materials and E-Learning Materials Access

E-Learning Materials access are provided digitally through the Platform. 'E-Learning Materials may cover subjects including 3D Design, Graphic Design, Illustration & Digital Art, Motion Graphics, and UI/UX Design, with applicable Skill Levels such as Beginner, Intermediate, Advanced, or Expert.

Once Credits have been used to obtain an E-Learning Material and the content has been made available to you, the transaction will generally not qualify for a refund, subject to any rights that cannot legally be excluded.

Refunds will generally not be available where:

The Materials have already been accessed;
The Materials have been downloaded, where downloading is available;
Access information has been successfully delivered to your registered email address;
You have received an access link or other credentials required to access the Materials;
The Materials have been partially or completely used;
You no longer require the Materials;
You selected an unsuitable subject or Skill Level;
The purchase was made accidentally; or
You failed to access the Materials within an applicable access period.

4. Duplicate or Incorrect Transactions

If you believe that a transaction resulted in a duplicate charge or that an incorrect amount was processed because of a technical or processing error, please contact us at info@creativestackguild.com as soon as possible.

After reviewing the available transaction records, if we determine that a duplicate or incorrect charge occurred because of an error on our part, we may provide an appropriate refund, correction, or account adjustment where applicable.

5. Technical Difficulties and Access Problems

Technical problems may occasionally prevent a user from accessing an E-Learning Material after it has been obtained. If you experience an access-related technical issue, please contact our support team at info@creativestackguild.com before submitting a refund request.

We may investigate the reported problem and, where reasonably possible, attempt to resolve the issue through measures such as:

Resending access information;
Providing another method of accessing the Materials;
Restoring access to the relevant Materials;
Extending the applicable access period; or
Providing another reasonable technical solution.

A technical problem will not automatically result in a refund where the issue can reasonably be resolved by restoring access or otherwise making the purchased Materials available.

6. Failure to Receive Access Information

If you have completed a purchase or used Credits to obtain E-Learning Materials but have not received the expected access information, please first check the following:

Your spam or junk email folder;
Your promotions, filtered, or similar email folders;
The available storage capacity of your email account; and
The email address entered during the purchase or registration process.

Access-related emails are generally delivered within a few minutes, although technical or processing delays may occasionally result in delivery taking up to 72 hours.

If the access information has still not been received after 72 hours, please contact our support team at info@creativestackguild.com. Where we confirm that a delivery problem occurred, we will make reasonable efforts to resend the relevant information or restore access through another appropriate method.

7. Refund Eligibility Review

Where a refund request is eligible for review, we may consider the circumstances and records associated with the transaction, including:

The date and time of the transaction;
The payment status;
Whether Purchased Credits have been used;
Whether Bonus Credits were issued;
Whether Bonus Credits have already been used;
Whether the relevant E-Learning Materials have been accessed;
Whether Materials have been downloaded;
Whether a technical or access problem occurred;
Whether the transaction was duplicated or incorrectly processed; and
Any mandatory requirements under applicable law.

A refund decision made in one particular situation does not guarantee that a future request will receive the same outcome. Each request may be assessed according to its own circumstances, available records, this Policy, and applicable law.

8. Refund Requests

If you believe that your transaction may qualify for a refund or requires review, please contact us through the contact information provided on the Platform.

To help us identify and assess the relevant transaction, your request should include:

Your Account email address;
The transaction or order reference, where available;
The date of purchase;
The amount paid and currency used; and
A clear explanation of the reason for your request.

We may ask for additional information where reasonably necessary to verify the transaction or investigate the circumstances of the request.

9. Refund Processing

When a refund is approved, it will generally be issued through the original payment method used for the transaction.

The time required for the refunded amount to appear may vary depending on your bank, card issuer, payment provider, or other financial institution. We are not responsible for delays occurring after the refund has been processed by us where those delays are caused by a third-party provider or financial institution.

Where applicable, processing a refund may result in the cancellation or removal of related Bonus Credits and/or the reversal of E-Learning Materials obtained using Credits connected with the refunded transaction.

10. Chargebacks and Payment Disputes

If you have a concern about a transaction, we encourage you to contact us before initiating a chargeback or payment dispute with your bank or payment provider so that we have an opportunity to review and resolve the matter.

If a chargeback or payment dispute is initiated, we may provide relevant Account and transaction information to the applicable payment provider, financial institution, or card network when reasonably necessary to respond to or investigate the dispute.

We may suspend or restrict an Account where we reasonably believe that a chargeback or payment dispute was initiated fraudulently or without proper authorization.

11. Fraudulent or Unauthorized Transactions

Where we reasonably believe that a transaction was fraudulent, unauthorized, or resulted from misuse of the Platform, we may take appropriate measures to protect the Platform, our users, and our services.

Such measures may include:

Suspending or terminating the relevant Account;
Cancelling or removing Purchased Credits;
Cancelling or removing Bonus Credits;
Revoking access to Materials obtained through the relevant transaction;
Refusing or reversing a refund where appropriate; and
Taking other reasonable measures necessary to address the suspected misuse or unauthorized activity.

Nothing in this section is intended to remove or restrict any rights or obligations that apply to us under applicable law.

12. Account Restrictions and Policy Violations

If an Account is restricted, suspended, or terminated because of a violation of our Terms & Conditions, any request involving Credits, E-Learning Materials access, or payments may be reviewed based on the circumstances of the matter and applicable law.

Examples of conduct that may result in such action include unauthorized Account sharing, unauthorized copying or distribution of E-Learning Materials, fraudulent activity, or attempted misuse of the Credit system.

13. Currency and Third-Party Fees

Where a monetary refund is approved, it will generally be processed with reference to the original transaction and payment currency, subject to the applicable payment method and payment provider procedures.

Currency conversion differences, exchange-rate changes, bank fees, card issuer charges, or other fees imposed by third parties may be outside the control of Great Innovation Inc..

14. Exceptions Required by Law

Nothing in this Refund Policy is intended to exclude, reduce, or restrict any refund, cancellation, withdrawal, consumer protection, or other statutory right that cannot legally be excluded or restricted under applicable law.

Where applicable law gives you a mandatory right to cancel a transaction or receive a refund, that right will continue to apply regardless of the restrictions described in this Policy.

15. Changes to This Refund Policy

Great Innovation Inc. may revise or update this Refund Policy from time to time to reflect changes to the Platform, our services, operational practices, or applicable legal requirements.

Any revised version will become effective when published through the Platform unless a different effective date is required by applicable law. We encourage you to review this Policy before making purchases through the Platform.

16. Contact Us

If you have questions about this Refund Policy or would like to submit a refund or transaction review request, please contact us at info@creativestackguild.com.