Refund Policy

1. Scope

This Refund Policy applies to purchases of the Personalized Four Pillars Reading from I Ching Tree. The Personalized Four Pillars Reading is a one-time, customized digital service prepared from the customer’s birth information and selected focus area. It is not a subscription and does not renew automatically.

No payment is collected for the free I Ching reading, so no refund applies to the free service.

2. When Personalized Work Begins

I Ching Tree may begin personalized analysis promptly after successful payment and receipt of complete, usable birth information. If you want to cancel before work begins, contact us immediately at hello@ichingtree.com from the email address used for the purchase.

Where required by law, a request or consent to begin personalized performance before the end of a statutory withdrawal period will be handled through the applicable checkout process. Nothing in this policy limits a consumer right that cannot lawfully be waived.

3. Refunds That May Be Approved

A full or appropriate refund may be approved when:

• You request cancellation before personalized analysis has begun.
• A duplicate payment was made.
• A technical error caused an incorrect charge.
• I Ching Tree determines that it cannot complete the purchased reading.
• The reading is not delivered by the latest delivery date stated in the confirmation email, unless the delay was caused by missing, inaccurate, or incomplete information from the customer, failure to respond to a reasonable clarification request, an email-delivery issue outside our reasonable control, or other circumstances outside reasonable control.
• The delivered service materially fails to match the product-specific description and the issue cannot reasonably be corrected.
• Applicable consumer law or Subotiz’s buyer obligations require a refund or other remedy.

4. Refunds Not Normally Available

Except where required by law, a refund is not normally available when:

• Personalized analysis has already begun and the service is being performed as described.
• You change your mind after personalized analysis has begun.
• You provided an inaccurate, incomplete, unknown, or uncertain birth date, birth time, or place of birth.
• Delivery was delayed because required information was missing or because you did not respond to a reasonable clarification request.
• You expected a guaranteed prediction, a particular outcome, professional advice, or a result outside the published service description.
• You disagree with the interpretation, but the customized reading was delivered as described.
• You request a new topic, a replacement reading, additional follow-up, or work outside the service purchased.
• You did not receive an email because the order email was incorrect, your mailbox rejected the message, or the message was filtered, provided we make a reasonable attempt to resend it after you contact us.

5. How to Request a Refund

Email hello@ichingtree.com from the email address used for the purchase. Include:

• The name and email used for the order.
• The purchase date.
• The Subotiz order, transaction, or invoice identifier if available.
• A brief explanation of the request.

Do not include complete card details or other unnecessary financial information.

We aim to acknowledge and respond to refund requests within three business days. We may request reasonable information needed to locate the order or assess eligibility.

6. How Refunds Are Processed

Subotiz acts as merchant of record for paid transactions. All approved refunds and payment disputes are processed through Subotiz, not through an independent transfer from I Ching Tree.

After approval and processing, refunds typically take 5 to 10 business days to appear, but timing may vary by payment method, financial institution, region, and applicable law. Subotiz may also issue or require a refund under its buyer terms, payment-network rules, fraud controls, or merchant-of-record obligations.

7. Chargebacks and Unrecognized Payments

If you do not recognize a charge, believe a payment was duplicated, or have a delivery problem, contact hello@ichingtree.com first so we can investigate promptly. You may also use the Subotiz Customer Portal or the support details in your Subotiz receipt. Chargebacks and payment disputes are managed by Subotiz under its buyer terms and applicable payment-network rules.

8. Mandatory Consumer Rights

This policy does not exclude, restrict, or replace any refund, withdrawal, conformity, or other remedy that cannot lawfully be excluded under applicable consumer law. If a mandatory right conflicts with this policy, the mandatory right prevails.

9. Contact

Refund and delivery questions may be sent to hello@ichingtree.com.