Refund Policy

Last Updated: January 15, 2025

At Photo and Music News, we are committed to providing high-quality content and services to our users. This Refund Policy outlines the circumstances under which refunds may be issued for paid services or subscriptions on our Website.

1. Overview

Photo and Music News primarily operates as a free content platform supported by advertising and optional paid services. This Refund Policy applies to any premium content, subscriptions, digital products, or paid services that may be offered through our Website.

2. Free Content and Services

The majority of content on Photo and Music News is provided free of charge and does not require payment. As such, no refunds are applicable for free content or services.

3. Premium Subscriptions

3.1 Subscription Services

If we offer premium subscription services, the following terms apply:

• Monthly Subscriptions: Charged on a recurring monthly basis
• Annual Subscriptions: Charged once per year
• Trial Periods: May be offered for new subscribers

3.2 Subscription Refund Eligibility

3.3 Non-Refundable Subscriptions

4. Digital Products and Content

4.1 Downloadable Content

If we offer digital products such as e-books, guides, or exclusive content for purchase:

• Refunds may be requested within 7 days of purchase
• Content must not have been downloaded or accessed
• Proof of technical issues preventing access may warrant a refund

4.2 Non-Refundable Digital Products

Once digital content has been downloaded or accessed, it is generally not eligible for refund unless there was a clear error in the product description or technical defect.

5. Workshops, Events, and Webinars

5.1 Cancellation by User

For paid workshops, events, or webinars:

• More than 7 days before event: Full refund minus processing fee
• 3-7 days before event: 50% refund
• Less than 3 days before event: No refund
• After event has started: No refund

5.2 Cancellation by Photo and Music News

If we cancel an event or workshop, you will receive a full refund or the option to transfer your registration to a future event.

6. Technical Issues and Service Disruptions

If you experience technical issues that prevent access to paid services:

• Contact our support team immediately
• We will attempt to resolve technical issues within 48 hours
• If issues cannot be resolved, a pro-rated refund may be issued
• Refunds for technical issues are evaluated on a case-by-case basis

7. Unauthorized Charges

If you notice an unauthorized charge on your account:

• Contact us immediately at info@photomusicnews.com
• Provide details of the charge and transaction date
• We will investigate and issue a refund if the charge was unauthorized
• You may also contact your payment provider to dispute the charge

8. Refund Request Process

8.1 How to Request a Refund

To request a refund, please follow these steps:

1. Contact us at info@photomusicnews.com with "Refund Request" in the subject line
2. Include your full name, email address used for purchase, and transaction details
3. Provide a detailed explanation of your refund request reason
4. Include any supporting documentation (screenshots, error messages, etc.)

8.2 Refund Processing Time

Once your refund request is approved:

• We will process the refund within 5-7 business days
• Refunds will be issued to the original payment method
• Allow 5-10 business days for the refund to appear in your account
• You will receive a confirmation email once the refund is processed

9. Cancellation of Subscriptions

9.1 How to Cancel

You may cancel your subscription at any time by:

• Logging into your account and accessing subscription settings
• Contacting us at info@photomusicnews.com
• Following the cancellation instructions in your subscription confirmation email

9.2 Access After Cancellation

When you cancel a subscription:

• You will retain access until the end of your current billing period
• No refund will be provided for the remaining subscription period
• Automatic renewal will be disabled
• You can resubscribe at any time

10. Promotional Offers and Discounts

Special considerations for promotional pricing:

• Promotional prices are valid only during the specified offer period
• Refunds for promotional purchases follow standard refund policies
• Discount codes cannot be applied retroactively
• Promotional offers cannot be combined unless specifically stated

11. Currency and Exchange Rates

For international transactions:

• All prices are listed in GBP (British Pounds)
• Your payment provider may apply currency conversion fees
• Refunds are processed in the original transaction currency
• Exchange rate fluctuations may affect the refunded amount

12. Payment Processing Fees

Please note:

• Payment processing fees (typically 2-5%) are non-refundable
• Refund amounts may be reduced by processing fees
• This applies to all approved refund requests

13. Disputes and Chargebacks

14. Exceptional Circumstances

We understand that exceptional circumstances may arise. In cases of:

• Serious illness or hospitalization
• Family emergencies
• Force majeure events

Please contact us to discuss your situation. We evaluate such requests on a case-by-case basis and may offer solutions including refunds, subscription pauses, or credits.

15. Changes to This Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to the Website. Your continued use of paid services after changes are posted constitutes acceptance of the modified policy.

16. Contact Information

17. Governing Law

This Refund Policy is governed by the laws of the United Kingdom. Any disputes arising from this policy shall be subject to the exclusive jurisdiction of the courts of the United Kingdom.

18. Fair Treatment Commitment