Refund Policy

Last updated: 8 June 2026
Effective date: 8 June 2026

This Refund Policy explains the conditions under which refunds may be requested and processed for digital products purchased through the online shop available at:

https://shop.ugrymova.ru

This Refund Policy applies to international card payments processed through Stripe and to digital products, PDF files, e-books, recipe books, webinars, video materials, online programs, educational materials, and other digital content offered through the shop.

1. Seller / Merchant of Record for International Payments

For international card payments processed through Stripe, the seller / merchant of record is:

SERGEI KONOVALOV, trading as S.K.
Legal form: Entrepreneur individuel / Micro-entreprise
SIREN: 989 827 043
SIRET: 989 827 043 00013
APE / Main activity code: 62.01Z — Programmation informatique
VAT status: Franchise en base de TVA
Business address: 8 Rue des Platanes, 67810 Holtzheim, France
Business email: se***********@***il.com
Company / seller profile website: https://sergeikonovalov.com/

2. Content Author

Olga Ugrymova is the author and creator of the educational, nutrition-related, recipe, culinary, lifestyle, wellness, women’s health, weight management, sleep, and related digital materials sold through the shop.

The Seller may provide payment processing, technical access, digital delivery, customer support, shop administration, and international payment infrastructure.

3. Digital Products

The shop primarily sells digital products and digital access, including but not limited to:

PDF files;
e-books;
recipe books;
digital guides;
webinars;
video materials;
online lessons;
online programs;
educational nutrition-related materials;
women’s health and wellness programs;
weight management and lifestyle materials;
sleep, recovery, and wellbeing educational materials;
other digital content displayed in the shop before payment.

Unless a product page expressly states otherwise, no physical goods are shipped.

4. General Refund Principle

Because the shop sells digital products and may provide immediate access after payment, all purchases are generally considered final once digital access has been provided, a file has been downloaded, or digital materials have been opened or made available to the Customer.

However, we may review refund requests in good faith in the situations described below.

Nothing in this Refund Policy limits any mandatory consumer rights that cannot be waived under applicable law.

5. When a Refund May Be Approved

A refund may be considered and approved in the following cases:

duplicate payment for the same product;
accidental double charge caused by a technical issue;
payment was successfully charged, but digital access was not provided;
the Customer received access to the wrong product because of a technical error;
the purchased file is technically defective and cannot be opened, and no working replacement can be provided;
a payment was made fraudulently and the claim is supported by payment provider or bank review;
the Seller is required to issue a refund under applicable consumer protection law;
another exceptional case expressly approved by the Seller.

6. When a Refund Is Usually Not Available

A refund is usually not available in the following cases:

the Customer changed their mind after receiving digital access;
the Customer downloaded the purchased file;
the Customer opened, viewed, accessed, or used the purchased digital materials;
the Customer received access to a video, webinar, private page, online program, or digital account;
the Customer did not like the content, style, format, recipes, recommendations, or educational approach after access was provided;
the Customer expected personal consultation, medical advice, individual diagnosis, or guaranteed results, unless such service was expressly included in the product description;
the Customer provided an incorrect email address or failed to check spam, promotions, or other email folders, and access can still be provided or restored;
the Customer’s device, software, browser, internet connection, email settings, country restrictions, or technical environment prevents access, but the digital product itself works correctly;
the Customer violated the Terms and Conditions, including sharing, reselling, copying, or distributing purchased materials;
the refund request is made after an unreasonable delay and no technical or legal reason for the refund is provided.

7. Right of Withdrawal for Digital Content

If the Customer is a consumer located in the European Union or in another jurisdiction with a statutory right of withdrawal, the Customer may have certain withdrawal rights for distance purchases.

However, for digital content or digital services, the right of withdrawal may be limited or lost if the Customer expressly requests immediate access to the digital content before the withdrawal period expires and acknowledges that access may begin immediately and that the right of withdrawal may be lost once access is provided.

At checkout, the Customer may be asked to confirm that they are purchasing a digital product and request immediate access after payment.

If the Customer does not agree to immediate digital delivery and the loss of withdrawal rights where legally permitted, the Customer should not complete the purchase.

Nothing in this section limits mandatory consumer rights that cannot be waived under applicable law.

8. Immediate Access Confirmation

By completing a purchase of a digital product, the Customer confirms that:

the product is digital;
access may be provided immediately after payment;
delivery may occur through download link, email, customer account, private page, video access, webinar access, or another digital method;
once access is provided, a file is downloaded, or materials are opened, the refund and withdrawal options may be limited;
the Customer should read the product description, Terms and Conditions, Digital Delivery Policy, and this Refund Policy before payment.

9. Limited Access Products

Some products may provide access for a fixed period, for example access for a certain number of days, weeks, months, or years.

Limited access does not automatically mean a recurring subscription.

Unless automatic renewal is clearly displayed and expressly accepted at checkout, the purchase is a one-time payment.

If a product has a limited access period, the access period and important conditions should be displayed on the product page or checkout page.

A refund is usually not available simply because the Customer did not use the product during the access period, if access was properly provided.

10. Educational and Health Disclaimer

The digital materials sold through the shop are provided for informational and educational purposes only.

They are not medical advice, diagnosis, treatment, individual nutrition consultation, dietary prescription, psychological advice, therapy, or a substitute for consultation with a qualified doctor, dietitian, nutritionist, psychologist, or other healthcare professional.

The Seller and the Author do not guarantee individual health, nutrition, weight, lifestyle, sleep, wellbeing, or wellness results.

A refund is not provided solely because the Customer did not achieve a particular health, weight, nutrition, sleep, lifestyle, or wellbeing result.

11. How to Request a Refund

To request a refund, the Customer must contact support by email.

Refund requests should be sent to:

Seller / international payment support:
se***********@***il.com

General support:
ar******@**il.ru

The refund request should include:

order number;
email used for payment;
full name used for the order, if available;
product name;
payment date;
payment amount and currency;
payment method;
Stripe receipt, payment ID, order ID, or payment reference, if available;
clear explanation of the refund request;
screenshots or technical details, if the request relates to a technical issue.

The Seller may request additional information to verify the order, payment, access status, download status, technical problem, duplicate payment, or other relevant details.

12. Refund Request Timeframe

Refund requests should be submitted as soon as possible after the issue is discovered.

For technical access issues, the Customer should contact support promptly so that the Seller can try to restore access, send a replacement link, provide alternative access, or resolve the issue.

Unless mandatory law provides otherwise, refund requests submitted long after access was provided, files were downloaded, or materials were used may be refused.

13. Review Process

After receiving a refund request, the Seller will review:

whether the order exists;
whether payment was successful;
whether access was provided;
whether a file was downloaded;
whether digital materials were opened or made available;
whether the issue was caused by a technical error;
whether a replacement file, alternative access method, or support solution can resolve the issue;
whether the request is eligible under this Refund Policy and applicable law.

The Seller may first attempt to resolve the issue by providing support, correcting access, sending a replacement link, granting alternative access, or providing the correct product.

A refund is not automatically granted simply because a request is submitted.

14. Approved Refunds

If a refund is approved, it will normally be processed back to the original payment method through the payment provider used for the purchase.

For Stripe payments, approved refunds are normally processed through Stripe.

The time required for the refunded amount to appear on the Customer’s card or bank account may depend on Stripe, the card network, the Customer’s bank, the card issuer, currency conversion, and other payment processing factors outside the Seller’s control.

Refunds may be full or partial depending on the circumstances, the amount paid, access already provided, technical issue, applicable law, and the Seller’s decision.

15. Fees, Currency Conversion, and Bank Charges

The Seller is not responsible for:

currency conversion differences;
card issuer fees;
international payment fees;
bank fees;
payment provider fees charged to the Customer by third parties;
exchange rate differences between the original payment and refund date;
delays caused by banks, card networks, or payment providers.

Where a refund is approved, the refunded amount is generally limited to the amount received or processed for the relevant order, unless mandatory law provides otherwise.

16. Chargebacks and Payment Disputes

If the Customer has a problem with payment or access, the Customer should contact support before opening a bank dispute or chargeback.

The Seller will make reasonable efforts to review the issue and provide access, correct a technical problem, or process an eligible refund where applicable.

If a chargeback or payment dispute is opened, access to the purchased digital product may be suspended while the dispute is reviewed.

Submitting a false, abusive, or fraudulent chargeback may result in termination of access and refusal of future purchases.

17. Incorrect Email Address or Lost Access

The Customer is responsible for providing accurate contact and billing information at checkout.

If the Customer entered an incorrect email address, lost access to the email address, blocked emails, deleted order emails, or failed to check spam, promotions, or other folders, this does not automatically create a right to refund.

The Customer should contact support and provide proof of purchase. Where possible, the Seller may restore access, resend download links, update the customer email, or provide another official access method.

18. Technical Problems

If a technical problem prevents access to a purchased digital product, the Customer should contact support with details of the issue.

The Seller may attempt to resolve the problem by:

resending the download link;
sending a replacement file;
providing alternative access;
correcting the customer account;
providing access through another official method;
checking whether the order was paid successfully;
checking whether the issue is caused by the Customer’s device, browser, software, email settings, internet connection, or regional restrictions.

If the Seller cannot provide access to the purchased digital product or a materially equivalent replacement because of a technical issue caused by the Seller or shop infrastructure, a refund may be considered.

19. Product Expectations

The Customer should carefully read the product description before payment.

The Seller is not responsible for subjective expectations that were not clearly included in the product description.

A refund is usually not available if:

the Customer expected a different product format;
the Customer expected a personal consultation;
the Customer expected individual medical or nutrition advice;
the Customer expected guaranteed weight loss, health, sleep, nutrition, or lifestyle results;
the Customer did not read the product description before payment;
the Customer misunderstood the product language, format, access period, or technical requirements, where these were displayed before payment.

20. Fraud Prevention and Abuse

The Seller may refuse a refund request and may terminate access if there are signs of:

payment fraud;
chargeback abuse;
unauthorized sharing or resale of materials;
copying, publishing, or distributing paid content;
multiple refund requests after accessing digital products;
abusive communication with support;
violation of the Terms and Conditions.

The Seller may retain order, access, payment, and communication records where necessary for legal compliance, fraud prevention, dispute handling, accounting, and protection of rights.

21. Russian Domestic Payments

Russian domestic payment flows may be processed separately through Russian payment providers, including Prodamus, Robokassa, or another payment method displayed at checkout.

Russian domestic payments may be governed by separate Russian-language legal documents, including the Russian public offer and privacy policy available on the relevant Russian-language pages.

This Refund Policy applies specifically to international payments processed through Stripe unless another refund policy, seller, payment provider, or legal document is clearly displayed before payment.

22. Related Legal Documents

This Refund Policy should be read together with:

Terms and Conditions:
https://shop.ugrymova.ru/terms-and-conditions

International Payments:
https://shop.ugrymova.ru/international-payments

Digital Delivery Policy:
https://shop.ugrymova.ru/digital-delivery-policy

Legal Notice:
https://shop.ugrymova.ru/legal-notice-international

If there is any inconsistency between a product page, checkout page, payment page, order confirmation, or legal document, the information clearly displayed at checkout for the specific purchase applies to that purchase.

23. Changes to This Refund Policy

The Seller may update this Refund Policy at any time by publishing a new version on the shop website.

The version applicable to a purchase is the version available at the time of payment, unless mandatory law or a later written agreement provides otherwise.

24. Contact Details

Seller / Merchant of Record for international payments:

Content Author:

Olga Ugrymova
Main author website: https://ugrymova.ru/
Shop website: https://shop.ugrymova.ru
General support email: ar******@**il.ru