IChingLink Refund & Payment Policy

1. Introduction

This Refund & Payment Policy ('Policy') applies to all paid services provided by IChingLink ('the Platform') and outlines payment methods, refund conditions, and related procedures.

2. Payment Methods

The Platform supports the following payment methods:
- Credit/Debit Cards (Visa, MasterCard, American Express)
- PayPal
- Apple Pay / Google Pay
- Cryptocurrency (if applicable)

3. Billing & Auto-Renewal

3.1 One-Time Payments: Fees are charged at checkout for specific services.
3.2 Subscription Plans:
- Subscription services automatically renew on a recurring basis (e.g., monthly, annually).
- Users may cancel auto-renewal at any time in their account settings. After cancellation, access to the service remains valid until the current subscription period ends.
- If auto-renewal fails, the Platform may suspend or terminate the subscription.

4. Refund Policy

The Platform's refund policy is as follows:
4.1 Refundable Services:
- Users may request a full refund within [7] days of purchase if the service has not been used.
- If the service has been partially used, the refund amount will be prorated.
4.2 Non-Refundable Services:
- Fully delivered services, such as instant consultations or one-time paid content.
- Services purchased during special promotions, unless required by law.
4.3 Refund Request Process:
- Users must submit a refund request to [ichinglink@gmail.com].
- Refunds will be processed within [10] business days and credited to the original payment method.

5. Payment Security

The Platform employs encryption technology and industry-standard payment gateways (such as Stripe, PayPal) to ensure secure transactions. We do not store full payment details, but payment partners may retain records for legal purposes.

6. Payment Disputes

If you have concerns regarding a transaction, please contact us within [30] days. For chargeback disputes via credit card or PayPal, we reserve the right to provide proof of the transaction and may terminate related accounts.

7. Policy Changes

The Platform reserves the right to modify this Policy at any time. Significant changes will be notified to users via email or announcements.

8. Contact Information

If you have any questions about this Policy, please contact us:
Email: [ichinglink@gmail.com]