Refund Policy

1. Scope

This Refund Policy applies to purchases of the Personal BaZi Reading from I Ching Tree. The Personal BaZi 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. 24-Hour Cancellation Window

You may cancel your order and receive a full refund within 24 hours after both of the following conditions have been satisfied:

1. Your payment has been successfully confirmed.
2. All required, complete, and usable information for your personalized reading has been received.

The 24-hour cancellation period begins when both conditions have been satisfied. To cancel, submit the full-refund request shown with the paid order in your account, or email hello@ichingtree.com from the email address used for the purchase. Your request must be received within the 24-hour period.

After this cancellation window expires, preparation of your personalized reading may begin and the purchase becomes generally non-refundable.

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. Full Refunds That May Be Approved

Approved refunds are normally issued in full. I Ching Tree does not offer discretionary partial refunds. This does not limit any price reduction or other remedy that must be provided under applicable law or by Creem.

A full refund may be approved when:

• Your cancellation request is received within the 24-hour cancellation window.
• 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 Creem’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:

• Your cancellation request is received after the 24-hour cancellation window has expired.
• Preparation has begun and the service is being performed as described.
• 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

Use the full-refund request shown with the paid order in your account. You may optionally add a brief reason. If the account control is unavailable, email hello@ichingtree.com from the email address used for the purchase and include:

• The name and email used for the order.
• The purchase date.
• The Creem 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

Creem acts as merchant of record for paid transactions. All approved refunds and payment disputes are processed through Creem, 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. Creem 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 Creem Customer Portal or the support details in your Creem receipt. Chargebacks and payment disputes are managed by Creem 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.