Refund & Delivery Policy — Transatlantic Compliance Advisory Ltd.
Effective date: 24 October 2025
This Refund & Delivery Policy explains how Transatlantic Compliance Advisory Ltd. ("TCA", "we", "us") delivers digital products and services and when refunds may be available. It applies to purchases made on our website or via an order form that references this Policy.
1) Scope & Definitions
- Digital Products (Compliance Hub): Downloadable toolkits, policy packs, frameworks, templates, and training resources.
- Official Services: Consultant‑led audits, reviews, tailored compliance packages, and training delivered remotely by our team.
- Subscriptions/Retainers: Recurring access to digital resources and/or advisory hours.
2) Delivery — Digital Products
- Immediate delivery. After successful payment, you will see an on‑screen confirmation and/or receive an email with secure download links or access credentials.
- Access window & limits. Download links may have time and/or device limits to prevent misuse. Keep a local copy for your records.
- Failed delivery. If you do not receive access within 15 minutes, check spam/junk folders and then contact info@transatlanticcompliance.com with your order ID. We will re‑issue access promptly once we verify the purchase.
3) Delivery — Official Services
- Start of work. Service delivery begins once (i) payment is received (or as stated in your Order), and (ii) you provide the requested inputs via secure upload.
- Scheduling. We provide a delivery window/SLA in your Order or welcome email. If inputs are incomplete, we may request clarification or additional materials and adjust timelines accordingly.
- Onsite work. In‑person sessions require prior written agreement; travel and out‑of‑pocket expenses are reimbursed as agreed in the Order.
4) No Physical Shipping
We do not ship physical goods. All delivery is digital/remote unless otherwise agreed in writing.
5) Refunds — Digital Products (Consumers & Business)
- General rule. Digital products are non‑refundable once delivered.
- EU/UK consumers: 14‑day withdrawal. If you are a consumer located in the EU or UK and purchased digital content not supplied on a tangible medium, you have a 14‑day right to withdraw unless you (a) gave express consent to immediate delivery and (b) acknowledged you would lose the right to withdraw once delivery started. If you did not provide both, you may withdraw within 14 days for a full refund.
- Access issues/technical faults. If delivery fails due to a technical problem on our side and we cannot remedy it within a reasonable time, we will refund you.
6) Refunds — Professional Services
- Before start. If you cancel before we begin work, we will refund fees paid for undelivered services.
- After start / partial performance. If you cancel after work has begun, any refund will reflect the proportion of services already performed and non‑recoverable costs, unless your local consumer law grants stronger rights.
- Non‑delivery. If we do not deliver within the confirmed SLA and you choose to cancel, we will refund fees for the undelivered portion.
7) Subscriptions & Retainers (Auto‑Renewal)
- Billing cycles. Subscriptions renew automatically at the interval you select (e.g., monthly/annual) until cancelled.
- Cancellation. You may cancel at any time via your account or by emailing billing@transatlanticcompliance.com. Cancellation stops future renewals.
- Refunds. We do not refund the current billing period once it has started, except where required by law or where we failed to provide agreed access.
- Disclosures & reminders. Before purchase we present renewal terms clearly and conspicuously; we send post‑purchase confirmation and, where required by law, renewal reminders and an easy online cancellation method.
8) Discretionary Refunds
We may, at our discretion, offer refunds for duplicate purchases, fraudulent use of your payment method (once verified), or force majeure events that make performance impossible.
9) How to Request a Refund
Email billing@transatlanticcompliance.com from your purchase email with subject “Refund Request”, and include:
- Order ID and date;
- Product/service name;
- Reason for the request;
- Evidence of any delivery/technical issue (screenshots, error code).
We will confirm receipt and respond within the legally required timeframe for your region.
10) Pricing, Taxes, Currencies
- Pricing errors. If a pricing error is discovered, we will contact you to confirm the correct price. You may proceed or cancel for a full refund.
- Taxes. Prices are shown exclusive or inclusive of taxes as stated at checkout. Any applicable VAT/sales tax will be added at payment.
- Currency & FX. Charges may appear in GBP, EUR, or USD as shown at checkout. Your bank may apply exchange fees.
11) Chargebacks & Disputes
Please contact us before initiating a chargeback; many access issues can be resolved quickly. Unfounded chargebacks may lead to account suspension until resolved.
12) Returns of Digital Content
There is no physical return for digital products. Where a refund applies under this Policy or local law, we will revoke access to the content and may require deletion of copies.
13) Processing Refunds
Approved refunds are issued to the original payment method. Processing times depend on your bank or card provider; we initiate refunds promptly after approval and notify you by email.
14) Your Responsibilities
Keep your account credentials secure; do not share downloads or access links. Ensure your device and software meet any stated compatibility requirements on the product page.
15) Local Law & Consumer Rights
Nothing in this Policy limits any mandatory consumer rights in your jurisdiction (e.g., EU/UK 14‑day withdrawal for certain digital content and services). Where local law provides stronger protections, those prevail for residents of that jurisdiction.
16) Changes to This Policy
We may update this Policy from time to time. The Effective Date shows the latest revision. Material updates will be communicated on our website or by email where appropriate.
