Refund Policy for all digital
products created and sold by
Unlike physical products purchased at a store a digital
product once purchased can not be effectively returned. When
you buy a physical product at a local market, if you are
unhappy with it, provided it is not materially defective, you
return it, the store refunds your money and the item then
goes back on the stores shelf. In effect the sale is simply
canceled with everyone returning to a pre sale state. The
store has the item for sale on their shelf and you have your
money back. It is as if the sale never even happened.
However a digital product often can not be returned. If you
buy a software or a training for example you can not
generally give it back once you download it. Because of this
both the buyer and the vendor can not be returned to a pre
sale state. You can get your money back, but you will still
have the digital product you downloaded but can not return.
This opens the door for a lot of refund abuse in the world of
selling digital products. It is for this reason that many
physical stores do not extend their refund policy to digital
For example: WalMart does not allow you to return
movies you purchase if the package has been opened. This is
because many people would abuse this by purchasing the
movie, watching it, and then returning it afterwards.
With the online sale of software or training buyers have a
very real incentive to purchase a digital product with the
intent of downloading it or otherwise taking advantage of it
(for example watching a training course) and then requesting
a refund for frivolous or unspecified reasons.
While I personally extend a refund guarantee on all of my
digital products the simple truth is that a 'no questions
asked' guarantee is not practical because it opens up too
much opportunity for 'friendly fraud' style abuse.
Because of this I have initialized the following refund policy
for all of my digital products which I feel is both fair and
ethical to both me as a seller and you as a buyer.
No refund period can be unlimited. It is not practically
possible to give an unlimited refund period. However there
must be adequate time for the customer to properly test
their purchase. In the interest of fairness the following refund
periods will be honored for all of my digital products.
Training only products: 30 days maximum
• Digital Bankroll Silver
• Digital Bankroll Gold
• Digital Bankroll Diamond
Products With Payment Plans: Cancellation only, no refunds Software products: 30 days maximum
Products that combine both training and software: 30 days
Traffic sales: No refunds available due to expenses we pay to
drive that traffic
Re-seller or License Rights products: No refunds.
purchased, you receive all downloadable files and we pay our
team to install them for you, therefore, we are unable to
grant refunds here.
Acceptable / unacceptable reasons for
A refund guarantee is intended to protect a consumer from a
defective purchase. It is not a 'trial period' or a guarantee
that the consumer can get a return of their payment without
question after accessing / downloading your purchase.
following are examples of acceptable reasons for a refund
A) A actual miss representation of the nature of the product
purchased on the products sales page. Please be aware that
any miss representation is not intentional, however no one is
perfect and errors do happen, and a refund for a miss
representation error is an acceptable reason.
B) An actual complaint about the product functionality. For
example: Complaining about audio quality in a training video,
or a confusing interface in a software.
C) An unresolvable customers support issue. I am always
here to help you with any issue you may have regarding your
purchase, if I can not help you, you may request a refund.
This of course requires that you ask for help first for there to
be a valid reason for a refund request.
The following are not examples of acceptable reasons for a
A) A general statement that is not an actual complaint. For
example "not what I thought", or "I cant use this". All
products I sell are explained to the best of my ability. If you
do not understand please ask questions, I can be reached at
any time through facebook (facebook.com/mattneer). If you
still do not understand the nature of the product you are
purchasing, please do not purchase it.
B) Failure to take action on your product, if the product has
been accessed. For example: Purchasing a software product,
accessing it, but than saying "I changed my mind" is not an
acceptable reason for a refund request. Please only purchase
if you actually want to take action on your purchase.
Products that have never been accessed my be refunded
without any action being taken since its not possible to take
action on something that was not accessed.
PayPal has a dispute policy in place to protect customers as
well. A dispute is not an acceptable way to request a refund.
Should you file a dispute, before it is completed , you will
once again be reminded that a dispute is not a proper way to
request a refund.
Every digital product I sell also provides a way to contact me
directly. Also my email address is on every purchase receipt.
The correct, and only acceptable way to request a refund is
to email your receipt ID, with the valid reason for the refund
Please be aware that I will fight all disputes as they may be
considered by PayPal as a negative report against my
Also please be aware that your purchase access is
tracked by your name, date, time, IP address, and email
address. Because of this I win nearly 99% of all disputes
filed. However this need not even be a concern since we have
just established that PayPal is not the proper way to request
Because the dispute process often costs me time, and time
has value, I am forced to implement an amendment to my
refund policy. Filing a dispute will negate it and any purchase
will be considered final the moment a dispute is filed.
However once again there is no reason for that to need to
happen since we now have a clear understanding of the
refund policy and the proper way to request a refund.
It is my hope that this refund policy will be mutually
beneficial giving you the buyer the confidence of knowing
that you are protected from any unintentional miss
representation or material defect in the digital products I
offer for sale, while at the same time protecting me from any
'friendly fraud' type of abuse.
If you find this refund policy unacceptable than I will have to
respectfully decline your business.