Legal
Refund Policy
Last updated: June 24, 2026
This policy explains the refund review approach for AstraQore Market Library digital educational market research products and standalone educational analysis reports operated by J&V Wealth Holdings OPC. It is prepared for review and editing and is not legal advice.
Published by J&V Wealth Holdings OPC through Luminara Media and Publications. Developed by Formastra Platforms, the IT division. Educational market research only. No investment advice, brokerage services, crypto trading services, managed funds, trade commands, guaranteed signals, or profit promises.
Digital products
Because ebooks, templates, watchlists, bundles, analysis reports, and digital downloads are delivered electronically, purchases may be non-refundable once access is granted, except where required by law or approved by support.
Preview products and Notify Me
Preview products and Notify Me forms do not collect payment, create orders, or create a purchase. Refunds apply only to completed paid orders.
Standalone analysis reports
Standalone analysis report refunds may be reviewed before work begins. Once manual preparation has started or the report has been delivered, refund eligibility may be limited except where required by law.
Duplicate purchases
If a buyer accidentally purchases the same digital product more than once using the same buyer email, support may review the order history and issue a refund or credit where appropriate.
Failed access or delivery issues
If payment is verified but download access, secure order access, or delivery email fails, support should first try to restore access, regenerate eligible delivery links, or provide support-assisted redelivery according to the Delivery Policy.
Failed payments
If payment fails or is canceled before verification, no paid order access should be granted. Any provider-side payment issue should be reviewed with available PayMongo checkout and payment records.
Refund review process
Refund requests should be submitted through Contact Support and should include the buyer email, order number if available, product name, payment reference if available, and a short explanation. Approved refunds may depend on PayMongo and bank processing timelines.
No performance-based refunds
Refunds are not provided based on market outcomes, trading results, investment performance, missed opportunities, profit expectations, or whether a buyer agrees with educational analysis after delivery.
Contact
Refund questions can be submitted through the Contact Support page. Include the buyer email, order/reference ID, product title, and a short explanation so support can review the order records.