Refund Policy.

/01Scope of this Policy

This Refund Policy governs the sale of memoranda, articles, and other written materials made available for purchase or download through the website operated under the business name “Cross-Border Wills & Estates” (the “Website”; the materials, collectively, the “Materials”). This Refund Policy forms part of, and should be read together with, our Terms & Conditions and our Disclaimer.

By completing a purchase, you confirm that you have read, understood, and accepted this Refund Policy in its entirety.

/02No refunds, returns, or exchanges

The Materials are digital products delivered immediately to you upon completion of payment. Once a Material has been made available to you for download, the transaction is final.

All sales are final. We do not offer refunds, returns, exchanges, store credits, or partial credits under any circumstances, including without limitation:

• Change of mind after purchase;
• Determination by you that a Material does not address your specific situation, jurisdiction, or fact pattern;
• Determination by you that a Material is not suitable for your purpose;
• Failure by you to read the Material’s description, scope, table of contents, jurisdictional coverage, or any preview content prior to purchase;
• Subsequent changes in the law that affect the currency of a Material;
• Your inability to access or use a downloaded Material due to your own technical limitations, device incompatibility, or software issues;
• Duplicate or accidental purchases;
• Disagreement with the analysis, conclusions, or recommendations contained in a Material; or
• Any other reason whatsoever.

By completing a purchase, you acknowledge and agree that the Materials are delivered in immediately consumable digital form and you waive any statutory or common-law right of withdrawal, cancellation, return, or refund to the maximum extent permitted by applicable law.

/03Why this policy exists

The Materials are professional legal information products researched, drafted, and prepared by a qualified lawyer over many hours. Once delivered, a Material cannot be returned in any meaningful sense:

• The Material has been read, copied, or downloaded;
• The intellectual content cannot be unread or unlearned;
• The cost of preparing the Material has already been incurred;
• There is no inventory to be restocked or reused.

Like most providers of professional information products — including law journals, legal treatises, online research databases, and continuing-legal-education materials — we cannot offer refunds without effectively giving the buyer a free copy of the Material. The pricing of each Material reflects this reality.

/04Before you complete your purchase

Because the no-refund policy is strict, we strongly encourage you to confirm that a Material is right for you before purchasing. Each Material’s product page includes:

• A descriptive title identifying the cross-border scenario addressed;
• A summary of the legal issues covered;
• The jurisdictions whose law is discussed;
• The page count or length;
• The date of publication;
• The price.

If after reviewing the available information you remain uncertain whether a Material addresses your situation — do not complete the purchase. Instead, contact us before buying using the information in the final section of this Refund Policy. We are happy to confirm the scope of a Material, discuss whether it is likely to be useful for your fact pattern, or recommend a different Material.

/05Defective downloads and delivery problems

The no-refund policy applies to the substantive content of a Material. It does not apply to delivery failures — meaning circumstances in which we have failed to deliver to you what you paid for.

If, after completing payment, you experience any of the following, please contact us promptly:

• You do not receive a download link by email within a reasonable time after purchase;
• The download link does not function;
• The downloaded file is corrupted, unreadable, or empty;
• The downloaded file is not the Material you purchased;
• You lose access to a previously downloaded Material due to a technical problem on our side.

In each of these cases we will work with you to resolve the issue, including by re-issuing a download link, providing a replacement file, or otherwise ensuring delivery of what you purchased. Replacement downloads are made available at our discretion and do not constitute refunds.

/06Chargebacks and payment disputes

If you believe there has been an error or unresolved issue with your purchase, please contact us first using the information in the final section of this Refund Policy. We respond promptly and will work with you in good faith to address legitimate concerns.

Filing a chargeback or payment-dispute claim with your card issuer or bank without first attempting to resolve the matter with us directly is not, in our view, a good-faith approach. You agree that you will not initiate a chargeback or payment dispute on the ground that this Refund Policy is unsatisfactory, that you have changed your mind, or for any reason listed in Section 2.

If you initiate a chargeback in circumstances where this Refund Policy applies and where we have discharged our obligations to you (including by delivering a Material that conforms to its description), we reserve the right to:

• Contest the chargeback with the card issuer, including by providing the issuer with a copy of this Refund Policy, the order confirmation, and proof of delivery;
• Suspend or terminate your access to the Website, your account, and any Materials previously licensed to you;
• Recover any chargeback fees, administrative costs, and reasonable legal fees incurred in disputing the chargeback;
• Pursue any other remedy available to us under our Terms & Conditions or applicable law.

/07Statutory consumer rights

Some jurisdictions provide consumers with mandatory statutory rights that cannot be waived by contract — including, in some cases, rights of cancellation or refund for digital purchases that may apply notwithstanding this Refund Policy. Nothing in this Refund Policy purports to limit or exclude any right that you have under mandatory consumer-protection legislation that applies to you and that cannot be lawfully waived.

If you are a consumer in a jurisdiction whose law grants you mandatory non-waivable rights, those rights apply to the extent the law makes them apply, regardless of anything in this Refund Policy.

If you believe you have a mandatory statutory right that conflicts with this Refund Policy, please contact us using the information in the final section of this Refund Policy with details of the right you wish to invoke and the jurisdiction whose law you say applies.

/08Pricing errors and order cancellation by us

In the unlikely event that a Material is offered for sale on the Website at an incorrect price due to a typographical, technical, or pricing-system error, we reserve the right to refuse or cancel any order placed at the incorrect price, even if the order has been confirmed and your card charged.

If we cancel an order in these circumstances after payment has been received, we will issue a full refund of the amount paid through the original payment method. This is the only circumstance in which a refund will be issued, and it applies only where the order is cancelled by us — not by you.

/09Modifications to this Refund Policy

We may revise this Refund Policy at any time. The revised version will be posted on this page with an updated effective date. The Refund Policy in effect at the time you complete a purchase governs that purchase.

Your continued use of the Website or purchase of any Material after the effective date of any revision constitutes your acceptance of the revised Refund Policy.

/10Governing law

This Refund Policy is governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable in British Columbia, without reference to conflict-of-laws principles. The application of mandatory consumer-protection legislation in your place of residence is preserved to the extent it cannot be excluded by agreement.

/11Contact

For pre-purchase questions about a Material’s scope, for delivery problems, or for any other matter relating to this Refund Policy, please contact us at:

Cross-Border Wills & Estates
Attention: James S.H. Kim
Room 204, Suite 219, 4501 North Road
Burnaby, British Columbia, Canada V3N 4R7
Tel: [Phone TBD]
Email: [Email TBD]

Note that any communication you send us is not a legal consultation, will not create a lawyer-client relationship, and will not be treated as confidential.