Payment & Refund Policy

Effective date: 25 August 2025

Operator: MEDIA FOR YOU LTD (Company No. 15954771)

Registered office: Dept 6153, 43 Owston Road, Carcroft, Doncaster, United Kingdom, DN6 8DA

Website: http://stock-zone.com

Support: info@stock-zone.com

1. Scope

This Policy explains how payments, cancellations, and refunds work for one‑off purchases of downloadable digital content (‘Digital Content’) on the Website. We do not offer subscriptions.

2. Payments & Currencies

We accept major payment cards and supported wallets (e.g., Apple Pay, Google Pay). Payments are processed by PCI‑DSS Level 1 payment service providers using 3‑D Secure where applicable. We do not store full card numbers on our servers.

Display and checkout currencies supported on the Website include USD, EUR, AUD, and CAD. Your card issuer or payment provider may apply foreign exchange or cross‑border fees outside our control.

3. Order Acceptance & Delivery

Your order is accepted when we send an order confirmation or make the Digital Content available for download in your account. Delivery occurs by providing a download link promptly after successful payment. If a link is unavailable or not working, contact us at the address in Section 12.

4. Your Right to Cancel (Digital Content)

Because Digital Content is made available for immediate download, you acknowledge that once the download begins you lose any statutory right to cancel the order. If you have not started a download, you may request a cancellation; we will confirm eligibility and process where possible.

5. Refund Eligibility

We consider refunds in the following situations:

• Duplicate purchase of the same item within 24 hours;
• Corrupt, incomplete, or otherwise unusable files (after reasonable troubleshooting);
• Technical failure preventing access or download for more than 24 hours after payment;
• Non‑delivery (no access to the item purchased) due to a system error;
• Unauthorized transaction where you can provide evidence that the payment was not made by you or an authorized user;
• Misdescription where the delivered file materially differs from its page description or preview.

Requests based on a change of mind after download, minor aesthetic differences, or device/software incompatibility will not normally be eligible.

6. How to Request a Refund

Email us at the address in Section 12 within 14 days of purchase, including: (a) order number; (b) the email used at checkout; (c) a brief description of the issue; and (d) relevant screenshots or error messages. For file issues, please provide the file name/ID and a short explanation.

7. Our Response Times (SLAs)

We aim to acknowledge your request within 2 business days and to resolve most cases within 5 business days. Complex cases (e.g., suspected unauthorized use or payment fraud) may take longer while we complete checks.

8. Resolution Options

Where an issue is verified, we may at our discretion provide: (a) a replacement or corrected file; (b) renewed access or a fresh download link; or (c) a refund to your original payment method.

9. Refund Method, Timing & FX

Approved refunds are issued to the original payment method only. Once issued by us or our payment processor, it may take your bank or card issuer additional time to post the funds (typically 5–10 business days).

Refunds are processed in the original charge currency. Any differences due to exchange rates, card‑issuer fees, or timing of conversion are outside our control and are not refundable by us.

10. Chargebacks & Account Integrity

If you are considering a chargeback, please contact us first—most issues can be resolved quickly. Unfounded or abusive chargebacks may result in account restrictions or suspension.

11. Compliance Checks (AML/KYC/Sanctions)

We may request identity, address, or business verification documents if risk indicators are detected (for example, cumulative spending above £5,000 within 12 months, sanctions screening flags, or suspected fraud). If you do not cooperate or checks cannot be completed satisfactorily, we may cancel orders and, where applicable, issue a refund required by law.

12. Contact

For payment or refund questions, please email info@stock-zone.com. Postal correspondence may be sent to: Dept 6153, 43 Owston Road, Carcroft, Doncaster, United Kingdom, DN6 8DA.

13. Statutory Rights & Governing Law

Nothing in this Policy affects your statutory rights, including remedies for defective digital content under the Consumer Rights Act 2015 and applicable consumer protection laws. This Policy is governed by the laws of England and Wales, and disputes may be brought in the courts of England and Wales (or your local courts where mandatory consumer protections so provide).

14. B2B Invoicing (If Applicable)

For vetted business customers using invoice payments for orders ≥ £1,000, refunds (if approved) are issued via the original payment route (e.g., bank transfer) against a credit note. Processing times may differ from card refunds and depend on banking cut‑offs and AML/KYB checks.

15. Updates to this Policy

We may update this Policy from time to time to reflect changes in law or our processes. The version posted on the Website at the time of your purchase applies to that purchase.

MEDIA FOR YOU LTD — Company No. 15954771

Registered office: Dept 6153, 43 Owston Road, Carcroft, Doncaster, United Kingdom, DN6 8DA