退款政策
Refund Policy · 版本 v1.0 · 生效日期 2026 年 11 月 3 日
1. 站内免费功能
排盘、起局、查阅、检索等站内功能完全免费，不存在付款，也就不涉及退款。 每日限额用尽后次日自动恢复。
2. 可以全额退款的情形
| 情形 | 条件 | 处理方式 |
|---|---|---|
| 下单后尚未下载 | 自付款起 7 天内，文件下载链接从未被打开 | 全额退款，原路退回 |
| 重复付款 | 同一订单被扣款两次，或误购了已拥有的同一商品 | 全额退还多付部分 |
| 文件无法使用 | 文件损坏、乱码、缺页，且我们无法在 3 个工作日内提供可用版本 | 全额退款，或经你同意后重发 |
| 未收到交付 | 付款成功但 24 小时内未收到下载链接，且经我们核查确认未能交付 | 全额退款，或重发 |
| 内容与商品页描述不符 | 实际交付的页数、字段、范围与商品页所列存在实质差异 | 全额退款 |
| 法定撤回权 | 见第 5 条（欧盟、英国等地区用户） | 按当地法律执行 |
3. 不予退款的情形
- 文件已下载且内容无误 —— 数字商品交付后即可完整复制，无法"退回"。
- 对解读结论不满意 —— 商品是古籍条目的整理与呈现，购买前已在商品与价格页说明范围与边界。我们不承诺任何特定结论、准确性或应验。
- 期望与商品页描述不符，但交付内容与描述一致 —— 例如期望得到预测、答疑或持续咨询，而这些明确不在交付范围内。
- 因个人设备或软件无法打开标准 PDF / CSV / JSON 文件 —— 我们会提供兼容性建议，但不因此退款。
- 超过申请期限 —— 第 2 条中标注 7 天的情形，逾期不再受理。
4. 怎么申请退款
- 发送邮件至 联系我们 页面所列邮箱，主题注明「退款申请 / Refund Request」。
- 邮件中请提供：订单号（商店发送的收据里有）、付款邮箱、付款日期、退款原因。
- 如需证明文件问题，可附上截图。
- 我们会在 2 个工作日内确认收到，并在 5 个工作日内给出处理结论。
- 批准后由合作商店（Merchant of Record）原路退回。到账时间取决于支付方式与发卡行，通常 5–10 个工作日。
你也可以直接在商店的订单页面发起退款申请，两条路径等效。退款一经批准，该订单的使用许可同时终止， 请删除已下载的文件。
5. 欧盟与英国用户的法定撤回权
根据欧盟《消费者权利指令》与英国《消费者合同条例》，远程购买的消费者通常享有 14 天撤回权。
对于以数字形式即时交付的内容，该权利在以下条件同时满足时消灭： 你已明确同意立即开始交付，并确认因此丧失撤回权。结账页面会就此单独取得你的同意。
若你在下载前改变主意，仍可在 14 天内提出撤回，我们将全额退款。 行使撤回权无需说明理由，通过第 4 条的方式告知即可。
6. 争议与申诉
如果你对退款结论有异议，可在收到结论后 30 天内回复同一邮件线程，我们会重新核查。 你也可以通过支付渠道（发卡行的拒付程序）主张权利； 我们建议先与我们沟通，因为拒付流程通常比直接退款耗时更长。
7. 政策变更
本政策可能更新，更新后会在本页变更版本号与生效日期。 已完成的订单适用下单时的政策版本，不因后续修改而减损你的权利。
Refund Policy
Version 1.0 · Effective 3 November 2026
1. Free features
Chart casting, hexagram lookup, search, and the knowledge base are free of charge. No payment is involved, so no refund applies. Daily limits reset automatically.
2. When a full refund is available
| Situation | Condition | Resolution |
|---|---|---|
| Not yet downloaded | Within 7 days of payment and the download link was never opened | Full refund to the original payment method |
| Duplicate payment | Charged twice for one order, or the same product purchased twice | Full refund of the excess |
| File unusable | Corrupted, garbled, or missing pages, and we cannot supply a working copy within 3 business days | Full refund or re-delivery, at your choice |
| Not delivered | Payment succeeded but no download link arrived within 24 hours, confirmed by our records | Full refund or re-delivery |
| Materially different from the listing | Page count, fields, or scope differ substantively from the product page | Full refund |
| Statutory withdrawal right | See section 5 (EU, UK, and similar jurisdictions) | As required by local law |
3. When a refund is not available
- The file has been downloaded and is as described — digital goods cannot be returned once delivered.
- You are dissatisfied with the conclusions — the product is a presentation of classical reference material. Its scope and limits are stated on the Pricing page. We make no promise of any particular conclusion, accuracy, or fulfilment.
- You expected predictions, Q&A, or ongoing consultation — these are expressly excluded from every product.
- Your device cannot open standard PDF, CSV, or JSON files — we will suggest compatible software but cannot refund on this basis.
- The claim is out of time — the 7-day window in section 2 is not extended.
4. How to request a refund
- Email the address on our Contact page with the subject "Refund Request".
- Include the order number (from your receipt), the payment email, the payment date, and the reason.
- Screenshots are welcome where a file problem is claimed.
- We acknowledge within 2 business days and decide within 5 business days.
- Approved refunds are issued by our merchant of record to the original payment method, typically arriving in 5–10 business days.
You may also open a refund request from the merchant's order page; either route works. Once refunded, the licence for that order terminates and the files should be deleted.
5. EU and UK withdrawal rights
Consumers in the EU and UK normally have a 14-day right of withdrawal. For digital content supplied immediately, that right is lost where you have expressly consented to immediate delivery and acknowledged that you therefore lose the right of withdrawal; checkout obtains that consent separately.
If you change your mind before downloading, you may withdraw within 14 days for a full refund. No reason is required — simply notify us as described in section 4.
6. Disputes
If you disagree with our decision, reply within 30 days on the same email thread and we will review it again. You may also pursue a chargeback with your card issuer, though we recommend contacting us first, as a chargeback generally takes longer than a direct refund.
7. Changes
This policy may be updated; the version number and effective date on this page will change. Completed orders remain governed by the version in force at the time of purchase, and later changes do not reduce your rights.