Thank you for purchasing trading tools and financial education courses from Luminova Ventures. We strive to provide high-quality products and services. If you are not entirely satisfied with your purchase, we’re here to help.
Trading Tools
Due to the nature of trading tools (e.g., software, indicators), we generally do not offer refunds once the product has been downloaded or accessed. However, we understand that exceptional circumstances may occur. Please read the following guidelines:
- Defective Products: If you receive a trading tool that is defective or does not function as described, please contact us within 7 days of purchase. We will work with you to troubleshoot the issue. If we cannot resolve the problem, we may offer a replacement or a refund at our discretion.
- Compatibility Issues: It is your responsibility to ensure that the trading tool is compatible with your trading platform and system requirements before purchasing. We provide detailed system requirements on our product pages. We are not responsible for incompatibility issues arising from your system setup.
- Change of Mind: We do not offer refunds for change of mind or if you simply decide that the trading tool is not suitable for your trading style. We encourage you to carefully review the product description and features before making a purchase.
Financial Education Courses
Our refund policy for financial education courses is as follows:
- Full Refund: You are eligible for a full refund if you request it within 14 days of the purchase date, provided that you have not accessed more than 20% of the course content. This allows you to review the initial materials and determine if the course meets your expectations.
- Partial Refund: If you have accessed more than 20% but less than 50% of the course content and request a refund within 30 days of the purchase date, you may be eligible for a partial refund. The amount of the partial refund will be determined based on the amount of content accessed and the administrative costs incurred.
- No Refund: No refunds will be issued if you have accessed 50% or more of the course content, or if the refund request is made more than 30 days after the purchase date.
Subscription Services
For subscription-based products and services:
- You may cancel your subscription at any time through your account settings or by contacting us at contact.
- Cancellation takes effect at the end of the current billing period.
- No refunds are provided for partial subscription periods.
- Access to subscription content continues until the end of the paid period.
EU Consumer Rights
If you are located in the European Union, you have the right to withdraw from your purchase within 14 days without giving any reason under the EU Consumer Rights Directive 2011/83/EU. However, by accessing or downloading digital content (trading tools or course materials), you expressly agree to waive your right of withdrawal as permitted under EU law.
- You acknowledge that digital content is delivered immediately upon purchase.
- You consent to this immediate delivery and understand that accessing the content waives your withdrawal right.
- If you do not access the digital content within 14 days, you retain your right to a full refund.
Cryptocurrency Payment Refunds
Due to the irreversible nature of blockchain transactions, refunds for cryptocurrency payments require special handling:
- Exchange Rate Risk: Cryptocurrency refunds will be processed at the current USD equivalent value at the time of refund, not at the original exchange rate. You acknowledge that cryptocurrency volatility may result in receiving a different amount of cryptocurrency than originally paid.
- Refund Method: Refunds for cryptocurrency payments will be issued in USD via PayPal, bank transfer, or credit to your account balance. We do not refund cryptocurrency directly to your wallet unless specifically agreed upon in writing.
- Wallet Address Responsibility: If a cryptocurrency refund is agreed upon, you are solely responsible for providing the correct wallet address. We are not liable for funds sent to incorrect or invalid addresses.
- Processing Time: Cryptocurrency refunds may take 10-14 business days to process due to the manual nature of blockchain transactions and additional verification requirements.
- No Chargebacks: You acknowledge that cryptocurrency payments cannot be charged back or reversed through traditional payment dispute mechanisms. All cryptocurrency transactions are final unless we agree to process a refund under this policy.
How to Request a Refund
To request a refund, please follow these steps:
- Contact our customer support team at contact with your order number and a detailed explanation of the reason for your refund request.
- For defective trading tools, please provide screenshots or videos demonstrating the issue.
- For financial education courses, please specify the percentage of the course content you have accessed.
- For cryptocurrency payments, please specify your preferred refund method (USD via PayPal, bank transfer, or account credit).
We will review your request and respond within 5-7 business days. If your refund is approved, we will process the refund to your original method of payment. Please allow 5-10 business days for the refund to appear in your account. Cryptocurrency refunds may take 10-14 business days.
Refund Processing Timeline
- Review of refund request: 5-7 business days from submission
- Approval notification: Within 24 hours of review completion
- Standard refund processing: 5-10 business days from approval
- Cryptocurrency refunds: 10-14 business days from approval
- Bank transfer refunds: 7-14 business days depending on your bank
Exceptions
We reserve the right to refuse a refund if:
- We suspect abuse of our refund policy or fraudulent activity
- You have violated our Terms and Conditions
- You have previously received refunds on multiple purchases, indicating a pattern of abuse
- The refund request is made outside the specified timeframes
- You have shared your account access with others
- You are unable to provide proof of purchase or order details
- The product or service has been fully consumed or used beyond the refund eligibility threshold
Non-Refundable Items
The following items are not eligible for refunds under any circumstances:
- Digital products that have been fully accessed or downloaded (beyond the refund eligibility thresholds)
- Services that have been fully rendered or completed
- Promotional or discounted items marked as “non-refundable” at the time of purchase
- Gift cards or account credits
Disputed Charges
If you have a concern about a charge, please contact us at
contact before filing a dispute or chargeback with your payment provider. We are committed to resolving any issues directly with you. Filing a chargeback without attempting to resolve the issue with us first may result in suspension of your account and denial of future purchases.
Contact Us
If you have any questions about our Refund and Return Policy, please contact us at
contact.
Last Updated: November 25, 2025
