Refund and Cancellation Policy

Last Updated: May 29, 2026

Satisfaction Guarantee

If you are not satisfied with your purchase, we will refund 100% of your money within the established guarantee period. No questions asked, no hassle.

1. Right to a Refund

CLUSTER MARKETING LTDA, registered under CNPJ No. 45.515.460/0001-90, operating through My Checkout Hub (mycheckouthub.com), offers a satisfaction guarantee on all purchases, under the terms described below.

This policy applies to all digital products marketed through our platform, including one-time purchase products and recurring subscription products.

2. One-Time Purchase Products

2.1 Guarantee Period

You have 7 calendar days from the date of purchase to request a full refund of the amount paid, with no justification required. After this period, it will not be possible to request a refund for a one-time purchase product.

2.2 What Is Included

The guarantee covers the main product and any additional products (add-ons or bump offers) purchased during the checkout process. The 7-day period is counted individually for each product from its respective date of acquisition.

2.3 What Happens Upon Requesting a Refund

Upon approval of a refund for a one-time purchase product:

  • The amount paid will be refunded in full.
  • Your access to the product will be revoked immediately.
  • Any material downloaded during the access period must not be reproduced or distributed.

3. Subscription Products (Recurring Billing)

If you purchased a product with recurring billing (monthly, annual, or other frequency subscription), the following rules apply:

3.1 First Charge Guarantee

The first charge of your subscription is covered by the same 7-calendar-day guarantee. If you are not satisfied, you may request a full refund of the first payment within this timeframe.

3.2 Subsequent Recurring Charges

Recurring charges made after the first billing cycle are not eligible for a refund, as you had continuous access to the product during that period. However, you can cancel your subscription at any time to prevent future charges (see Section 4).

3.3 Exceptions for Recurring Charges

We may consider a refund for a recurring charge in the following exceptional circumstances:

  • Proven technical error that prevented access to the product for most of the billing cycle.
  • Duplicate charge due to a system error.
  • Charge made after you requested a cancellation within the appropriate timeframe.

In these cases, please send an email with details of the issue so we can analyze your request individually.

4. Subscription Cancellation

4.1 Your Right to Cancel

You may cancel your subscription at any time with no penalties or cancellation fees.

4.2 How to Cancel

You have the following options to cancel your subscription:

  • Option 1 — Customer Portal (Recommended, Fastest): Access your subscription management portal using the link provided in your purchase confirmation email. Through the portal, you can cancel your subscription, update your payment method, or view your billing history autonomously without needing to contact us.
  • Option 2 — Email: Send an email to [email protected] with the subject line “Subscription Cancellation” and include:
    • Your full name
    • Email address used for the purchase
    • Name of the product you wish to cancel

    We will process your cancellation request within a maximum of 24 business hours.

4.3 What Happens Upon Cancellation

When you cancel a subscription:

  • No further charges will be made starting from the cancellation date.
  • Your access remains active until the end of the current paid billing period. For example, if you paid on the 1st and cancel on the 15th, you maintain access until the 30th (end of the paid cycle).
  • Following the expiration of the paid cycle, your access will be revoked.
  • Cancellation is permanent. If you wish to reactivate your subscription in the future, you must make a new purchase.

4.4 Renewal Prior Notice

Prior to each recurring charge, we will send you an email notice informing you of:

  • The amount to be charged
  • The date of the upcoming charge
  • Instructions on how to cancel if you wish

If you do not wish to continue, please cancel your subscription before the renewal date specified in the notice.

5. How to Request a Refund

5.1 Application Process

Send an email to: [email protected]
In the subject line, write: “Refund Request”
In the body of the email, include:

  • Your full name
  • Email address used for the purchase
  • Product name
  • Approximate date of purchase

You do not need to justify the reason for the refund within the guarantee period.

5.2 Analysis Timeframe

Your request will be analyzed within a maximum of 48 business hours upon receipt.

5.3 Processing Timeframe

Upon approval, the refund will be processed as follows:

  • Credit or debit card: The refund will be processed by Stripe within 5–10 business days. The time for the credit to appear on your statement may vary depending on your card issuer (generally between 1 and 2 billing cycles).
  • Other payment methods: The timeframe may vary depending on the method used. We will inform you of specific details when confirming your refund.

5.4 Confirmation

You will receive an email confirming the approval and processing of your refund, including the amount and estimated timeframe for return.

6. How to Identify Our Charges on Your Statement

Charges processed through our platform will appear on your bank or credit card statement under the descriptor “My Checkout Hub” or the name of the purchased product.

If you do not recognize a charge with this description, before contacting your bank, we kindly request that you:

  1. Check if a family member made the purchase using your card.
  2. Check your email (including your spam folder) for a purchase confirmation from [email protected].
  3. Contact our support at [email protected] — we will resolve any questions or process your refund quickly.

Contacting us directly is always faster and easier than opening a dispute with your bank.

7. Disputes and Chargebacks

If you do not recognize a charge, we ask that you contact us before opening a dispute with your bank or credit card company.

When a chargeback is initiated directly with the bank:

  • The process can take between 30 and 90 days to be resolved.
  • During this period, we cannot process a direct refund because the funds are held by the bank.
  • If the chargeback is resolved in your favor, the amount will be returned to you by your bank.

We will resolve any legitimate refund request much faster than a chargeback process. Our team is available to assist you quickly.

8. Non-Eligible Refund Situations

Refund requests will not be accepted in the following cases:

  • Requests made after the 7-calendar-day guarantee period (for one-time purchases or the first subscription charge).
  • Recurring subscription charges corresponding to periods during which you had active access to the product (except as described in Section 3.3).
  • Fraud attempts, improper use of the guarantee, or repetitive requests aimed at gaining free access to the product.
  • Purchases made using third-party payment details without authorization.
  • Non-compliance with the platform’s Terms of Use.

9. Contact Information

For questions regarding this Refund Policy, cancellations, or any issue related to your purchase:

CLUSTER MARKETING LTDA
CNPJ: 45.515.460/0001-90
Address: Estrada Francisco da Cruz Nunes, 3095, Sala 209, Itaipu, Niterói – RJ, CEP 24340-000, Brazil
Email: [email protected]
Response Time: Within 48 business hours

Our Commitment

We want you to have the best possible experience with our products. If something does not meet your expectations within the guarantee period, we will process your refund according to the above rules, hassle-free.

Your trust and satisfaction are our top priority.

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