Refund Policy

1. Overview

This Refund Policy explains when refunds may be available for purchases made through NoFortune's website and marketplace. This policy is part of our Terms of Service and Marketplace Terms. It is written to be fair while reflecting the digital, service-based, and often non-reversible nature of what we provide.

2. Digital and Service-Based Sales Are Generally Non-Refundable

Most NoFortune offerings are digital services, custom campaigns, fulfillment work, and subscriptions. Because these involve immediate labor, third-party costs, and resources committed at the time of order, all sales are final unless a refund is expressly authorized under this policy.

3. Subscriptions and Recurring Billing

Recurring subscriptions (for example, hosting, retainers, autopilot programs, or partnership funds) bill automatically until you cancel. You may cancel at any time through your account or by contacting us. Cancellations take effect at the end of the current paid billing period. Partial or pro-rated refunds for unused time in a billing period are not available unless required by law. Deleting a payment method or stopping payment does not by itself cancel a subscription; you must affirmatively cancel.

4. Marketplace, Custom Campaigns, and Fulfillment

Marketplace services, custom campaigns, PR placements, music and media campaigns, and fulfillment work often require us to commit resources or pay third parties once an order begins. Once work has started on a Service, refunds are generally not available. If a Service has not yet started, you may request cancellation and any refund will be at NoFortune's sole discretion, less any non-recoverable costs and a processing fee.

For "Ghost" or auto-fulfilled Services routed to third-party panels, refunds are governed by the third-party panel's refill and cancellation policies; NoFortune passes through only what the panel offers and is not obligated to issue refunds beyond that.

5. Limited Refund Eligibility

A refund may be considered only where:

• A Service was not delivered at all and NoFortune is unable to re-perform it.
• NoFortune, in its sole discretion, determines that a material failure occurred on our side.
• Required by applicable law that cannot be waived.

Eligible refunds, if any, are issued to the original payment method and are limited to the amount actually paid for the affected Service, excluding taxes, processing fees, and any non-recoverable third-party costs.

6. Circumstances Where No Refund Is Available

No refund will be provided where, in NoFortune's reasonable judgment:

• Work on the Service has already begun or resources have been committed.
• The buyer provided inaccurate, incomplete, or late information that prevented or delayed fulfillment.
• The Service depends on a third-party platform that restricted, removed, or reversed results.
• The Service was delivered substantially as described, even if results did not meet expectations.
• The buyer changed their mind, found a better price elsewhere, or no longer wants the Service.
• The order was placed in error or duplicate and work has begun.
• The buyer violated our Terms or the terms of a third-party platform.
• The buyer initiated a chargeback without first contacting NoFortune.

7. Chargebacks and Payment Disputes

If you believe a charge is incorrect, contact us first at legal@nofortune.com. Initiating a chargeback or payment dispute before contacting us may result in suspension of your account and forfeiture of pending services, commissions, or credits. NoFortune reserves the right to dispute chargebacks, recover amounts, and charge reasonable costs associated with defending disputes.

8. How to Request a Refund

To request a refund, email legal@nofortune.com with your order number and the reason for the request. Requests must be made within thirty (30) days of the charge. We will review and respond within a reasonable time. Approved refunds are issued to the original payment method.

9. Processing Time and Currency

Approved refunds typically appear on your statement within five (5) to ten (10) business days, depending on your bank. Refunds are issued in the same currency as the original charge. We are not responsible for exchange-rate differences or bank fees.

10. Legal Exceptions

Where a refund or cancellation right is required by applicable consumer protection law and cannot be waived, this policy does not limit those rights. To exercise any non-waivable right, contact us as above. Any such right must be asserted within the period required by that law.

11. Changes to This Refund Policy

We may update this Refund Policy at any time. The "Last updated" date reflects the change. Purchases are subject to the policy in effect at the time of the charge.

12. Contact Us

Refund questions should be directed to:

NoFortune Legal
Email: legal@nofortune.com