Refund Policy

Updated: September 20, 2025

HumanomicsX Media, Refund Policy

Please Read Carefully

These refund terms ("Refund Policy") are between HumanomicsX and its successors (collectively, "Company", "we", "our", and "us") and you and your employees, agents, contractors and any other entity on whose behalf you access or use the Services (collectively, "you" and "your"), and govern refunds for our website located at https://humanomicsx.com and any other websites, products, or services that Company has now or acquires in the future, including without limitation any content, newsletters, downloads, premium subscriptions, digital products, and/or any other materials (such websites, products and services are hereinafter collectively referred to as the "Services"). By accessing and/or using the Services or purchasing any products, you acknowledge and agree to be bound by this Refund Policy.

This Refund Policy works in conjunction with our Terms of Service, Privacy Policy, Disclaimer, and other applicable agreements. Please review all policies before subscribing to or purchasing any Services. By using our Services, you acknowledge that you have read, understood, and agreed to all applicable terms and conditions.

YOU ACCEPT THIS REFUND POLICY BY PURCHASING OR SUBSCRIBING TO THE SERVICES. YOU ACKNOWLEDGE AND AGREE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY ALL TERMS AND CONDITIONS OF THIS REFUND POLICY, AND TO ALL OTHER APPLICABLE RULES, POLICIES, TERMS AND CONDITIONS, DISCLAIMER, PRIVACY NOTICE, AND AGREEMENTS ESTABLISHED BY COMPANY, WHICH ARE INCORPORATED HEREIN BY REFERENCE. IF YOU DO NOT AGREE TO THIS REFUND POLICY, YOU SHALL NOT PURCHASE OR USE THE SERVICES.

1. OVERVIEW

Company provides digital financial content, research reports, premium subscriptions, and educational materials through the Services. This Refund Policy explains our approach to refunds and cancellations for all products and services offered. All premium content is digital in nature and delivered immediately upon subscription or purchase. You are strongly advised to read this Refund Policy carefully before making any purchase or subscription commitment.

Company offers various service tiers including free content and premium subscription services. Premium services may be billed monthly or annually, and different refund terms apply to each subscription type. By purchasing or subscribing to any Services, you acknowledge that you understand the digital nature of our content and the specific refund limitations outlined herein.

2. SUBSCRIPTION TYPES AND REFUND TERMS

2.1 Monthly Premium Subscriptions

• REFUND POLICY: No refunds available for monthly premium subscriptions. All monthly subscription payments are final and non-refundable due to the digital nature of our content and immediate access provided upon payment processing.

• CANCELLATION: You may cancel your monthly subscription at any time by contacting Company before the 20th of any month to avoid charges for the following month. Company requires advance notice to process cancellations and prevent automatic billing. Upon cancellation, you retain access to premium content through the end of your current billing period.

• BILLING: Monthly subscriptions are charged automatically on a recurring basis. You authorize Company to charge your designated payment method each month until cancellation is properly processed in accordance with these terms.

2.2 Annual Premium Subscriptions

• PARTIAL REFUNDS AVAILABLE: Annual subscribers may be eligible for partial refunds for unused months remaining on their subscription, calculated from the 1st of each month following the refund request.

• REFUND CALCULATION: Refunds are calculated based on full months only, not daily pro-ration. For example, if you cancel 3 months into your annual subscription, you will receive a refund for the remaining 9 months of your subscription period.

• ELIGIBILITY: To be eligible for a refund, your account must be in good standing with no violations of our Terms of Service, Privacy Policy, or other applicable agreements. Refunds are calculated from the 1st of the month following your cancellation request, not the exact date of the request.

3. NON-REFUNDABLE PRODUCTS AND SERVICES

3.1 Individual Digital Products

• NO REFUNDS: All individual digital products including premium reports, guides, PDFs, research papers, and standalone digital content are non-refundable. These products are delivered immediately upon purchase and cannot be returned due to their digital nature.

• IMMEDIATE ACCESS: Upon purchase, you gain instant access to download and use digital products. Content cannot be "returned" like physical merchandise, and all individual product sales are final.

3.2 Donations

NON-REFUNDABLE: All donations made to Company are voluntary contributions and are completely non-refundable. Once processed, donation transactions cannot be reversed. Donations help support our independent research and educational content creation.

3.3 Non-Refundable Situations

• The following circumstances are NOT eligible for refunds under any conditions:

• Monthly subscription payments (all payments are final)

• Individual premium products purchased separately

• Subscription fees for months already used or accessed

• Partial months (Company only provides refunds for full unused months)

• Account termination due to Terms of Service violations

• Requests made after subscription has already expired

• Claims of lack of awareness regarding auto-renewal (clearly disclosed during signup process)

• Dissatisfaction with general market conditions or investment outcomes

• Technical issues on user's end including email filtering, internet connectivity, or device compatibility problems

4. CANCELLATION REQUIREMENTS AND PROCEDURES

4.1 Timing Requirements

• MONTHLY SUBSCRIPTIONS: You must submit cancellation requests before the 20th of any month to avoid charges for the following month. Company requires several days to process cancellations, which is why advance notice is mandatory.

• ANNUAL SUBSCRIPTIONS: Annual subscriptions may be canceled at any time, and refunds will be calculated as described above.

4.2 Cancellation Process

• PRIMARY METHOD: Send cancellation requests to support@humanomicsx.com ONLY. NO OTHER EMAIL ADDRESSES WILL BE ACCEPTED FOR REFUND OR CANCELLATION REQUESTS. You may also use the automatic cancellation system provided by our payment processor (recommended method).

• REQUIRED INFORMATION:

  • Full name associated with account

  • Email address used for subscription registration

  • Subscription type (monthly or annual)

  • Invoice number or payment reference

  • Brief reason for cancellation (optional but helpful for service improvement)

• SUBJECT LINE: Include "Subscription Cancellation" in your email subject line for faster processing.

5. REFUND PROCESSING AND TIMELINES

5.1 Annual Subscription Refund Process

• REQUEST ACKNOWLEDGMENT: Company will acknowledge refund requests within 2 business days of receipt.

• REVIEW PERIOD: Refund eligibility review requires 3-5 business days for account verification and calculation.

• PROCESSING TIME: Approved refunds are processed within 5-10 business days after approval.

• TOTAL TIMELINE: Complete refund process typically requires 10-15 business days from initial request to payment processing.

5.2 Payment Method and Processing

• REFUND METHOD: All refunds are processed through the same payment method used for the original purchase via our secure payment processors.

• CREDIT CARD REFUNDS: Processing time is 5-10 business days, appearing as a credit on your statement from the original payment processor in the same currency as your original payment.

• ALTERNATIVE PAYMENT REFUNDS: Processing times vary by payment method and may require 2-10 business days depending on your payment provider and banking institution.

6. EXCEPTIONAL CIRCUMSTANCES

6.1 Medical and Emergency Situations

Company recognizes that extraordinary life circumstances may warrant special consideration. In cases of serious medical emergencies, military deployment, or other exceptional hardships, Company may review requests individually and consider exceptions to our standard refund policy on a case-by-case basis.

6.2 Technical Issues

If you experience technical problems accessing your subscription due to issues on Company's end, you must contact Company immediately. If Company cannot restore proper access to Services, refunds may be considered after exhausting all technical solutions.

7. DISPUTE RESOLUTION AND CHARGEBACKS

7.1 Direct Resolution Preferred

Before initiating payment disputes with your bank, credit card company, or payment processor, you must contact Company's support team directly. Many issues can be resolved quickly through direct communication, and Company prefers to work directly with users to address concerns.

7.2 Chargeback Consequences

• Initiating a chargeback or payment dispute without first contacting Company may result in:

• Immediate termination of account and access to all Services

• Loss of access to all premium content and materials

• Potential legal action for recovery of services already provided and delivered

8. INTERNATIONAL CONSIDERATIONS

8.1 Currency and Exchange Rates

For international subscribers, refund amounts may vary slightly due to currency exchange rate fluctuations between the original purchase date and refund processing date. Company is not responsible for exchange rate differences.

8.2 Local Taxes and Regulations

Depending on your jurisdiction, taxes and fees may not be refundable even if subscription fees are refunded. You should consult local tax authorities or financial advisors regarding tax implications of refunds in your specific location.

9. POLICY UPDATES AND MODIFICATIONS

9.1 Changes to Refund Policy

Company may update this Refund Policy periodically in its sole discretion. Significant changes will be communicated through email notification to active subscribers, prominent notice on our website, and updated effective dates. You agree that continued use of the Services following policy updates constitutes acceptance of the modified terms.

9.2 Grandfathered Terms

Changes to this Refund Policy will not affect the refund terms applicable to subscriptions purchased before any policy modification date. Existing subscribers retain the refund terms that were in effect at the time of their original subscription purchase.

10. DIGITAL CONTENT ACKNOWLEDGMENT

10.1 Immediate Access and Delivery

All premium content provided through the Services is digital in nature and delivered immediately upon successful payment processing. You acknowledge that:

• You gain instant access to premium content libraries

• Digital materials can be downloaded immediately

• Premium alerts and notifications are delivered in real-time

• Content cannot be "returned" like physical products due to its digital nature

10.2 Fair Use Policy

Company provides substantial value through premium content and services. This Refund Policy balances customer satisfaction with the realities of digital service delivery and immediate content access. The immediate accessibility of digital content necessitates different refund terms than physical merchandise.

11. CONTACT INFORMATION AND REFUND REQUESTS

11.1 Refund Request Submission

• EMAIL: support@HumanomicsX.com ONLY

• SUBJECT LINE: "Refund Request - [Your Invoice ID]"

• IMPORTANT: REFUND REQUESTS WILL ONLY BE PROCESSED WHEN SENT TO support@HumanomicsX.com. Requests sent to any other email addresses will NOT be processed or acknowledged.

11.2 Required Information for Refund Requests

To process refund requests efficiently, you must provide:

• Full name associated with the account

• Email address used for subscription registration

• Invoice number or receipt number

• Transaction ID or payment reference number

• Original payment date and amount

• Subscription type (monthly or annual)

• Brief reason for refund request

• Preferred refund method (if different from original payment method)

• Any additional documentation required by the payment processor

11.3 Response and Processing Times

• INITIAL RESPONSE: Response times are determined by our payment processor and may vary based on request volume and complexity.

• REFUND DECISION: Decision timelines are established by our payment processor in accordance with their standard procedures.

• PROCESSING: Final processing times depend on your payment method, financial institution, and payment processor requirements.

12. INTEGRATION WITH OTHER POLICIES

This Refund Policy operates in conjunction with Company's Terms of Service, Privacy Policy, Disclaimer, and Cookie Policy. By subscribing to or purchasing any Services, you agree to be bound by all applicable Company policies and agreements. In case of conflicts between policies, the most restrictive terms shall apply to ensure maximum legal protection for all parties.

13. GOVERNING LAW

This Refund Policy shall be governed by, construed, and enforced in accordance with the laws of the United Arab Emirates, Dubai, without regard to conflict of laws principles. Any disputes arising under this Refund Policy shall be resolved in accordance with the dispute resolution procedures established in Company's Terms of Service.

14. CONTACT INFORMATION

If you have questions about this Refund Policy, please contact us at hello@humanomicsx.com. If you need assistance with refund requests, please contact us at support@humanomicsx.com.