Draft for attorney review. Last updated: [PUBLICATION DATE]

Refund Policy

Seller and party responsible for refunds: KILOS AI LLC, operating the Lumora Life brand of Cristina Ouilhet · 1621 Central Ave, Cheyenne, WY 82001, USA · support@lumoralife.co

"Do your first 7 letters or we refund everything" guarantee

We want you to buy with peace of mind. If within the first 7 days you feel "21 Letters to Money" isn't for you, we refund 100% of what you paid. No awkward questions and no fine print.

How it works

Window: you have 7 calendar days from the moment of your purchase. If you buy before a cohort starts, the 7 days count from the first day of the cohort (January 12, 2027, through January 19), so you have time to really try it. [CONFIRM with Nacho/Cris]
How to ask: write to support@lumoralife.co or on WhatsApp at [SUPPORT NUMBER] from the email you used to buy, with the words "I'd like my refund." You don't need to give a reason (if you'd like to tell us what we could improve, it helps us a lot).
Response: we confirm your request within 2 business days.
Refund: we refund the full amount paid (including taxes, add-ons and bonuses bought in the same purchase) to the same payment method you used. Your bank may take 5 to 10 business days to show it (in some cases up to 30 days, depending on the bank).
- Card, Apple Pay or Google Pay: refunded to the same card.
- PayPal: refunded to your PayPal account.
Your access: once the refund is approved, your access to the Academy, the recordings and the WhatsApp community is deactivated, and we remove you from the group. Keep what you wrote by hand: it's yours.
One-on-one sessions (VIP): if you already had a one-on-one session before asking for a refund, the refund is still full within the 7 days. [BUSINESS DECISION: or proportional, if preferred]
After 7 days: we don't issue refunds, except if we cancel the cohort, for a duplicate or mistaken charge, or where the law of your country gives you that right.

Special cases

Duplicate charge or error: always refunded, whatever the timing.
We cancel your cohort: you choose between moving to the next one or a full refund.
Misuse (sharing your account, downloading and redistributing the content): we may refuse the refund and suspend access.
Buyers in the EU / UK: your 14-day statutory right of withdrawal may apply; this guarantee is in addition to it and whichever is better for you applies.
Currency: refunds are made in USD, the currency you paid in. Your bank's exchange rate on the refund date may differ from the purchase date; we don't control those differences.

Chargebacks: before opening a dispute with your bank, please write to us first; we resolve things faster and with less hassle.