1. Scope

This policy applies to digital automotive documents and technical information purchased from topcarinsights.com. It explains when an order may be cancelled, when a refund may be considered, and how to submit a request.

2. Digital-product delivery

Digital delivery may occur through a download link, customer account, email link or another method shown at checkout. Once the product has been delivered, downloaded, opened or accessed, cancellation is generally not available merely because the customer changed their mind, no longer needs the document, or expected different information that was not stated in the listing, subject always to rights that cannot be excluded by law.

3. Cancellation before delivery

You may request cancellation before digital delivery or access begins. If the request reaches us before the product is made available and payment can be stopped or reversed, we will cancel the order and arrange the appropriate reversal or refund.

Because fulfilment may be automated, delivery can begin immediately after payment. Sending a cancellation request does not guarantee that it was received before delivery.

4. When a refund may be approved

We will review a refund request where one or more of the following applies:

·   You were charged more than once for the same product in the same transaction context.

·   Payment completed but the product was not delivered and we cannot restore delivery within a reasonable period after being notified.

·   The supplied file is corrupted, materially incomplete or cannot be opened, and we cannot provide a working replacement.

·   The delivered product is materially different from the product title or description shown at the time of purchase.

·   We cancelled the order, cannot supply the product, or must refund it to comply with applicable law.

·   An unauthorised transaction is established after appropriate payment-provider or fraud review.

5. Cases normally not eligible for refund

Subject to applicable law, a refund will normally not be granted where:

·   The product was correctly supplied and the customer changed their mind or no longer requires it.

·   The customer purchased the wrong vehicle, model, year, market, engine, transmission or document type despite the information displayed in the listing.

·   The customer expected content, a language, format or feature not promised in the product listing.

·   The customer lacks compatible software, equipment, technical skill or internet access, where the supplied file itself works as described.

·   The request relates to a minor formatting, translation or typographical issue that does not materially prevent use of the product.

·   The product has been redistributed, shared, copied in breach of the licence, or the account has been used fraudulently.

6. Incorrect product purchased

If you purchased the wrong product, contact us promptly and do not download or access it further. Although a refund cannot be guaranteed after delivery, we may, at our discretion, offer an exchange or account credit where the product has not been materially accessed and the correct product is available. Any price difference must be paid; any credit is not redeemable for cash unless required by law.

7. Request process

Send refund or cancellation requests to info@topcarinsights.com Include:

·   Full name used for the order.

·   Order or transaction reference.

·   Email address used at checkout.

·   Product title and purchase date.

·   A clear explanation of the issue.

·   Relevant screenshots or error messages where the file or access is defective.

Submit the request as soon as possible and preferably within 14 days of purchase. This review period does not remove any longer mandatory statutory right that may apply.

8. Review and outcome

We may verify delivery logs, download or access records, product files and payment status. We aim to acknowledge a complete request within 3 business days and communicate an outcome within 7 business days, although complex payment or fraud reviews may take longer.

If approved, a refund will normally be returned through the original payment method. The issuing bank, mobile-money operator or card network controls final posting time. After we submit an approved refund, it may take approximately 5–15 business days to appear, depending on the payment method and financial institution.

9. Chargebacks and payment disputes

Contact us first so we can investigate delivery or product issues. A chargeback does not automatically establish entitlement to a refund. We may provide order, delivery, access and correspondence records to banks, card networks or other payment parties when responding to a dispute, in accordance with our Privacy Policy and applicable law.

10. Effect of refund

If a purchase is refunded or reversed, the licence to use the product ends. We may disable related downloads or account access. The customer must stop using and delete retained copies unless applicable law provides otherwise.