Refund Policy – FatumNumbers

Last updated: 15/11/2025

Summary

• All payments are generally non-refundable.
• Refunds are considered only in exceptional situations, such as:
  • clear fraud / stolen phone or card;
  • an obvious payment mistake or serious confusion about the charge;
  • a technical failure on our side which means you never receive what you paid for.
• To request a review, you must email info@fatumnumbers.com.
• Requests are processed in the order received; we do not guarantee any fixed response time.

The full details are set out below.

1. What this Policy covers

1.1 This Refund Policy (“Policy”) applies to all payments you make to FatumNumbers (“FatumNumbers”, “we”, “us”, “our”) in connection with the use of fatumnumbers.com and any related online services (together, the “Platform”).

1.2 For the purposes of this Policy, “Services” means any digital reports, readings, analyses, interpretations, tools or other intangible content that you purchase or access through the Platform.

1.3 This Policy does not apply to any products or services you may obtain directly from third parties, even if they are mentioned or linked on the Platform. Any such arrangements are governed by the third party’s own terms and conditions.

2. Nature of our Services

2.1 Our Services consist of digital and/or automated outputs generated based on information you provide (for example, dates, names, numbers or other input data).

2.2 Services are delivered electronically, such as:

• on-screen results;
• downloadable or viewable digital files;
• access to tools or content within your account.

2.3 Once the relevant Service has been generated or access has been granted, it is considered fully delivered. There is no physical product to “return”.

2.4 Our Services are informational and interpretative in nature. They do not constitute legal, medical, financial or psychological advice, and we cannot guarantee any specific outcome, event or result in your life.

3. Core principle – payments are normally final

3.1 As a general rule, all payments made on or via fatumnumbers.com are treated as final and non-refundable once:

• your payment has been successfully processed; and
• we have begun to perform the Service, or the Service has been made available to you.

3.2 In particular, we do not usually provide refunds where the only reason is that:

• you changed your mind after paying;
• you decide that you no longer wish to use a report, reading or tool;
• you are dissatisfied with the style, tone or content of an interpretation, while the Service matches its description on the Platform;
• you did not obtain the personal or practical results you hoped for (for example, life changes, relationship outcomes, financial improvements);
• you did not use your access, account or any part of the Service, despite it being available.

3.3 Any prepaid balances, credits or top-ups (if offered on the Platform) are also generally non-refundable and may be used only for Services within FatumNumbers.

4. Examples of situations that normally do not qualify

Without limiting Section 3, the following are typically not accepted as grounds for a refund:

• “I thought it would say something different” where the Service was delivered as described;
• “I do not agree with the interpretation” as a matter of personal belief;
• “I bought it a while ago but only now decided I don’t need it”;
• technical issues exclusively on your side (device, browser, email filters, internet connection) while our systems are functioning correctly;
• dissatisfaction with choices or actions you took in reliance on any interpretation or report.

Your mandatory statutory rights (where applicable) are not affected.

5. Exceptional situations where we may consider a refund

Although payments are normally non-refundable, we recognise that exceptional circumstances may arise. We may, at our sole discretion, grant a full or partial refund.

5.1 Unauthorised or fraudulent payment

We may review a refund request if:

• your phone, computer or other device was lost or stolen and used to make a payment on the Platform without your consent; or
• your payment card or payment account was compromised and used fraudulently.

We will normally ask you to:

1. contact your bank or payment provider without delay and follow their fraud procedures;
2. provide reasonable evidence such as:
   • a bank statement or screenshot showing the disputed transaction;
   • confirmation from your bank that the card/account was blocked or flagged for fraud.

5.2 Clear payment error or serious confusion

We may consider a refund where there is a clear and well-documented error or misunderstanding, for example:

• an obvious duplicate payment for the same item within a short time;
• a payment initiated by someone who clearly did not understand what they were doing;
• a rare technical or display glitch that made it unclear what you were purchasing.

When reviewing, we may consider:

• what the Platform showed at the time of payment;
• whether any Service has already been generated or accessed;
• any screenshots, explanations or evidence you provide.

5.3 Technical failure and non-delivery attributable to us

We may review a request where:

• your payment was processed, but due to our technical or administrative error, you received no access to the Service; or
• a persistent malfunction prevents us from delivering the Service despite reasonable efforts.

We will first try to:

• restore access to your account or content;
• regenerate the report or reading;
• correct your order or access status.

If, after reasonable attempts, we still cannot deliver the Service, we may refund or re-credit your balance.

Issues caused solely by your device, software, email settings or internet connection do not automatically justify a refund, but we will try to help you regain access.

5.4 Other rare, well-documented cases

If serious and unexpected circumstances make it clearly unfair for us to retain a payment, you may request a review.

Any decision is at our sole discretion and does not create a precedent.

6. How to request a refund or case review

Email for refund and review requests: info@fatumnumbers.com

Please include:

• your full name;
• the email address associated with your FatumNumbers account;
• the date and approximate time of the payment;
• a brief description of the Service or item paid for;
• a clear explanation of what happened and why you are requesting a refund;
• supporting documents (screenshots, bank confirmation with sensitive data hidden, fraud report, error messages).

We may request additional information if needed to verify your identity or locate the transaction.

7. How we process requests and how long it may take

• Requests are reviewed in the order they are received.
• We aim to respond as soon as practicable.

However, FatumNumbers does not guarantee any specific response time or deadline.

The time needed may depend on:

• the number of open requests;
• the complexity of your case;
• whether we need information from banks, payment processors or other third parties.

Possible outcomes:

• approval of a full or partial refund;
• alternative remedy (such as regenerating the Service or adjusting your balance);
• refusal with explanation where practicable.

8. Approved refunds – method and possible deductions

8.1 If approved, refunds are normally processed using the same payment method used for the original transaction.

8.2 Refund arrival time depends on your bank or payment provider.

8.3 We may deduct:

• non-recoverable processing fees;
• currency conversion or similar costs.

9. Chargebacks and payment disputes

If you initiate a chargeback:

• we may suspend or restrict access to your account and Services linked to the disputed payment;
• we will provide the financial institution with information about the transaction and this Policy.

If we already refunded you, you agree not to seek a second refund via chargeback.

10. Your statutory rights

Nothing here removes any rights you may have under consumer protection law.

11. Changes to this Policy

We may update this Policy. The latest version will always be available on fatumnumbers.com and applies from its publication date.

Continued use of the Platform after changes means you accept the updated Policy.