Terms and Conditions – Rubus Pay

By purchasing any of our products, you confirm that you have read, understood, and agreed to these Terms.

1. Company Information

• Company Name: NGV Digital
• Support Email: [email protected]

NGV Digital sells digital products directly to end customers, including, without limitation, online programs, digital training, educational content, and other downloadable or access-based digital materials.

2. Scope of These Terms

These Terms apply to all purchases made by end customers (B2C) through our websites, checkout pages, and sales pages.

They do not apply to payment processing services, marketplace services, or third-party seller platforms.

3. Products and Delivery

All products sold by NGV Digital are digital products.

3.1 Delivery Method

After payment is confirmed, the product is delivered by email to the email address provided at checkout. Depending on the product, delivery may include:

• an access link;
• login credentials;
• download instructions;
• product files or materials.

3.2 Customer Responsibility

You are responsible for:

• providing a valid and correct email address at checkout;
• checking your inbox, spam, and promotions folders;
• ensuring your email can receive messages from us.

If you do not receive your product, you must contact support at [email protected].

4. Payments

By purchasing a product, you agree to pay the price shown at checkout, including any applicable taxes or fees.

Payments may be processed through third-party payment providers. We do not store full payment card details.

5. Refund Policy

We offer a refund policy for eligible purchases, subject to the conditions below.

5.1 Standard Refund Period (7 Days)

Customers may request a refund within 7 (seven) calendar days from the date of purchase.

To request a refund within this period, the customer must contact: [email protected]

5.2 Refund Requests After 7 Days

Refund requests made after the 7-day period are not automatically granted.

Any refund request made after 7 days will only be considered if the customer provides clear and objective proof that they:

• completed the entire program (or all product modules/materials); and
• followed the instructions exactly as provided in the product.

Important: It is not enough to simply state that the program was completed. The customer must provide evidence (for example, screenshots, completed exercises, implementation proof, or other objective records reasonably requested by our support team).

Refund requests after 7 days are reviewed on a case-by-case basis and may be approved or denied at our sole discretion, except where local law provides otherwise.

5.3 EU / EEA Consumer Rights (Important)

If you are a consumer located in the European Union / EEA, mandatory consumer protection laws may grant you additional rights, including a withdrawal period for distance contracts, unless an exception applies (for example, where digital content is supplied immediately with your prior consent and acknowledgment, where legally valid). Where required by applicable law, we will honor those rights.

5.4 Refund Processing

If a refund is approved, it will be issued to the original payment method. Processing times may vary depending on your payment provider or bank.

6. Support

Customer support is provided exclusively by email.

• Support Email: [email protected]

We aim to respond within a reasonable timeframe, but response times may vary depending on volume and business days.

7. No Guaranteed Results

Our products contain educational and informational content designed to help customers achieve specific goals or improve specific areas of life or business.

However:

• We do not guarantee any specific result or outcome.
• Results vary from person to person.
• Success depends on multiple factors, including individual effort, consistency, experience, and circumstances outside our control.

We provide content that we believe is relevant and useful, but each customer is responsible for applying the material and for their own decisions and results.

8. Marketing and Results Disclaimer

NGV Digital provides educational and informational digital products intended to help customers improve knowledge, skills, and decision-making in specific areas.

We make every effort to present our products and services accurately and in good faith. However, we do not guarantee any specific result, outcome, or level of success from the use of our products.

Any examples, case studies, testimonials, reviews, or customer stories presented in our marketing materials, websites, emails, videos, or sales pages are provided for illustrative purposes only. These examples reflect individual experiences and do not represent or guarantee typical results.

Individual results may vary significantly based on many factors, including but not limited to:

• personal effort and consistency;
• prior experience and skill level;
• individual circumstances;
• market conditions (when applicable);
• implementation quality and timing.

Nothing in our content should be interpreted as a promise, warranty, or guarantee of future results.

NGV Digital does not represent that any customer will achieve the same or similar outcomes as those described in any testimonial or promotional material.

To the extent applicable, customers are responsible for evaluating whether a product is appropriate for their needs and for how they apply any information provided.

We reserve the right to update or remove marketing claims, examples, and promotional statements to ensure clarity, accuracy, and compliance with applicable consumer protection and advertising laws. General truth-in-advertising rules in the U.S. require claims to be truthful, non-deceptive, and supported, and EU consumer law also regulates misleading practices and pre-contract information duties.

8.1 Additional Compliance Notice

No statement made by NGV Digital should be interpreted as professional, legal, financial, medical, psychological, or therapeutic advice, unless expressly stated otherwise in writing by a duly licensed professional.

Our products are educational in nature and are intended for general informational use only.

9. Permitted Use and Intellectual Property

All content provided in our products (including videos, texts, scripts, lessons, PDFs, frameworks, and other materials) is protected by intellectual property laws.

You may use the product for your personal use only, unless explicitly stated otherwise.

You may not:

• copy, reproduce, resell, redistribute, or share the product;
• upload the product to public or private groups/platforms;
• modify or create derivative products for resale;
• use our materials in a way that infringes our rights.

Unauthorized sharing or reproduction may result in legal action.

10. Prohibited Conduct

You agree not to:

• use false information during checkout;
• attempt fraudulent purchases or chargebacks;
• abuse our refund policy;
• misuse support channels;
• violate any applicable law while using our products.

We reserve the right to deny service, suspend access, or take appropriate action in cases of fraud, abuse, or misuse.

11. Chargebacks and Payment Disputes

If you have a billing issue or access problem, you agree to contact us first at [email protected] so we can try to resolve it.

Fraudulent or abusive chargebacks may result in:

• suspension of access to products;
• refusal of future purchases;
• submission of evidence to the payment processor to dispute the chargeback.

12. Limitation of Liability

To the maximum extent permitted by law, NGV Digital shall not be liable for:

• indirect, incidental, special, or consequential damages;
• loss of profits, revenue, data, or opportunities;
• results not achieved from the use of our products;
• delays or failures caused by third-party services (email providers, payment processors, platforms, etc.).

Our total liability for any claim related to a purchase shall not exceed the amount paid by the customer for the specific product in dispute.

13. Account Access and Security (If Applicable)

For products that require login credentials, you are responsible for keeping your access credentials confidential.

You agree not to share your login access with third parties.

We reserve the right to suspend or restrict access in cases of suspected unauthorized sharing, fraud, or misuse.

14. Changes to Products and Services

We may update, improve, modify, or discontinue parts of our products, support structure, or delivery systems at any time, provided that such changes do not unlawfully deprive customers of purchased core access.

15. Changes to These Terms

We may update these Terms from time to time.

The version published on our website or checkout flow at the time of purchase will apply to that purchase, unless a change is required by law.

16. Governing Law and Consumer Rights

These Terms are governed by the laws applicable to NGV Digital's operations, without limiting any mandatory consumer protection rights that apply in your country or region.

If you are a consumer in the EU/EEA or another jurisdiction with mandatory consumer protections, those protections remain applicable where required by law. EU consumer law includes rules on pre-contract information and withdrawal rights in distance contracts.

17. Contact

For support, refund requests, or questions about these Terms:

• NGV Digital
• Email: [email protected]