REFUND POLICY.

**Effective Date:** 15OCT2024
**Last Updated:** 15OCT2024

At the **Institute of Strategy and Tactics Research (ISTR)**, we are committed to ensuring customer satisfaction. This Refund Policy outlines your rights and our policies regarding refunds for products and services purchased through our website. This policy complies with international laws and guidelines, including **GDPR**, **CCPA**, and **PIPEDA**, as well as the requirements of payment processors like **Shopify**, **Stripe**, and **PayPal**.

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### **1. Physical Products**

#### a. **Eligibility for Refunds**
If you are not satisfied with a physical product you have purchased from us, you may request a refund within **30 days** of receiving the item, subject to the following conditions:
- The item must be returned in its original packaging and in unused, resalable condition.
- Proof of purchase (e.g., receipt, order number) is required to process your refund.
- You are responsible for return shipping costs unless the product is defective or damaged upon receipt.

#### b. **Non-Refundable Items**
The following items are not eligible for refunds:
- Customized or personalized products
- Items marked as "final sale" or "non-refundable"
- Downloadable digital products (unless they are defective)

#### c. **How to Initiate a Return**
To initiate a return and request a refund, please contact us at **[Insert Email Address]** with your order details. Once we receive the returned product and confirm its condition, we will process your refund within **7-10 business days**. The refund will be issued to your original payment method.

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### **2. Digital Products and Services**

#### a. **Digital Products**
Digital products, such as downloadable reports, e-books, or software, are non-refundable unless there is a defect in the product or it was not delivered as described. If you encounter any issues with your digital purchase, please contact us within **14 days** of purchase for assistance.

#### b. **Services**
Refunds for services such as event registrations, consultations, or research subscriptions are evaluated on a case-by-case basis. If you need to cancel a service, please notify us **at least 7 days** before the scheduled service or event to be eligible for a refund.

- **Event Registrations:** Cancellations made **7 days or more** before the event will receive a full refund. Cancellations made within **7 days** of the event may receive a partial refund at our discretion.
- **Consultations and Services:** Refunds for services already rendered are not available. However, if a service has not been fully delivered, you may be eligible for a partial refund.

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### **3. Subscription-Based Services**

#### a. **Cancellations**
For any subscription-based services (e.g., membership fees, recurring donations, or research access), you may cancel your subscription at any time through your account or by contacting us at **[Insert Email Address]**. Once canceled, you will retain access to the subscription until the end of the current billing cycle, after which no further charges will be incurred.

#### b. **Refunds for Subscriptions**
Refunds for subscription fees will only be provided if the cancellation occurs within the first **14 days** of the subscription period. After 14 days, no refunds will be issued for that billing cycle, but you will not be charged for future cycles once you cancel.

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### **4. Payment Method and Refund Processing**

All refunds will be processed using the original payment method used at the time of purchase. Depending on your payment provider (e.g., **Stripe**, **PayPal**, **Shopify Payments**), refunds may take **7-10 business days** to reflect in your account.

If you do not receive your refund within this period, please first check with your bank or payment provider, as processing times may vary. If the issue persists, contact us at **[Insert Contact Email]** for assistance.

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### **5. Defective or Damaged Items**

If you receive a defective or damaged physical product, please contact us within **7 days** of receipt at **[Insert Email Address]** with a description and photos of the defect or damage. We will arrange for a replacement or full refund, including return shipping costs, as applicable.

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### **6. International Orders**

For international orders, refunds will be processed in the original currency of the purchase. ISTR is not responsible for any fluctuations in currency exchange rates or additional fees imposed by your bank or payment provider.

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### **7. Fraud Prevention**

To protect against fraud, we reserve the right to refuse refunds if we detect any suspicious activity related to a purchase or if the product or service has been abused.

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### **8. Changes to This Policy**

ISTR reserves the right to modify or update this Refund Policy at any time to reflect changes in our business practices, services, or applicable laws. Any changes to the policy will be posted on this page with a revised "Effective Date."

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### **Contact Us**

If you have any questions about our Refund Policy or need assistance with a return or refund request, please contact us at:

**Institute of Strategy and Tactics Research (ISTR)**  

ADDRESS
1401 21st ST # 5282
Sacramento, CA 95811

PHONE
+1-657-427-3431

EMAIL
info@istr.global

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By making a purchase through our website, you acknowledge that you have read, understood, and agreed to this Refund Policy. Thank you for supporting the Institute of Strategy and Tactics Research.