13) Refunds, cancellations, and chargebacks- Because digital products are accessible immediately, all sales are final once delivery is made (streaming access granted or download link sent).- Exceptions we will honor within 14 days of purchase: - Duplicate accidental purchase of the same item. - Technical issues that prevent access or use and that we cannot resolve after you’ve worked with support. - Materially inaccurate product description.- For approved refunds, access will be revoked, and you agree to delete all downloaded copies.- If you believe a purchase was unauthorized, contact us first. Filing a chargeback without contacting us may lead to account suspension while we investigate.14) Fraud prevention and misuse- We may suspend or limit access for suspected fraud, excessive sharing, abnormal download activity, or violation of license terms while investigating.- We reserve the right to watermark files or use unique download tokens.15) Intellectual property- All content is owned by or licensed to Mark Stuart Senzig and is protected by copyright and other laws.- You may not redistribute, resell, upload, or publish our content without written permission.16) Privacy and data- We use your contact information to deliver products and support your account. See our Privacy Policy for details on data collection, retention, and your rights.17) Support- Email: [support@markstuartsenzig.com]- Hours: [Mon–Fri, 9:00–5:00, Time Zone]- Typical response time: 1–2 business days- If platform outages occur, we will post updates on [status page or social channel].18) Policy changes- We may update this policy to reflect operational, legal, or security changes. The latest version applies to new purchases and, where reasonable, to existing access.Contact- Email: [support@markstuartsenzig.com]- Website: [www.markstuartsenzig.com]- Business name for receipts: [Mark Stuart Senzig / legal entity name]- Address (for correspondence): [Mailing address]Last updated: [Insert date]Note: Customize bracketed items (platform names, contact info, hours, and entity details) before publishing. This policy is provided for general informational purposes and is not legal advice. For compliance questions, consult counsel.