Refunds without confusion.

1. Scope of this Policy

This Policy applies to purchases of InfoApps, SaaS subscriptions, digital content, software access and other digital services sold by ANA CLARA ROCHA CLAUDINO, doing business as ACR DIGITAL BUSINESS, CNPJ 57.381.954/0001-09 (“ACR,” “we,” “us” or “our”).

Product-specific refund terms clearly presented before checkout may supplement this Policy. If a product-specific term conflicts with a mandatory consumer right, the mandatory right prevails.

2. Seven-day statutory withdrawal right

Where Brazil’s Consumer Protection Code applies to a purchase made online or otherwise outside a physical establishment, the consumer may exercise the statutory right of withdrawal within seven calendar days, counted from execution of the contract or receipt of the product or service, as applicable under law.

You do not need to provide a reason to exercise this statutory right. A valid request made within the applicable period will receive a refund of eligible amounts paid, using the original payment method whenever technically possible. Nothing in this Policy restricts non-waivable rights provided by applicable law.

3. When a refund may be available

Subject to verification and applicable law, a full or partial refund may be approved when:

• A valid statutory withdrawal request is submitted within the applicable period.
• You were charged more than once for the same purchase.
• Payment was completed but the purchased digital access was not delivered within the stated timeframe, and we could not resolve the issue after you contacted support.
• The service has a verified material technical defect that prevents its essential use and we cannot provide a reasonable correction or alternative.
• The delivered product materially differs from the description shown at the time of purchase.
• A refund is otherwise required by applicable consumer law or expressly promised in the offer.

We may request reasonable information to locate and verify the transaction, diagnose an access problem or prevent fraud.

4. Cases that may not qualify

Except where applicable law requires otherwise, refunds may be declined for:

• Requests submitted after the disclosed or legally applicable refund period solely because the customer changed their mind.
• Failure to use the service, forgetting to cancel a subscription or incompatibility that was clearly disclosed before purchase.
• Account suspension caused by fraud, unlawful activity or a material violation of our Terms of Use.
• Problems caused solely by the user’s device, connection or third-party software when the published requirements were met and the service remains available.
• Promotional, trial or discounted access expressly described as non-refundable, only where such restriction is lawful.

We review each request fairly and do not apply these exclusions to remove mandatory consumer protections.

5. Subscription cancellation and renewals

You may cancel a subscription using the cancellation method provided in the product or account area, or by contacting us at contact@acrdigitalbusiness.com. Submit cancellation before the next scheduled billing date to prevent the next renewal charge.

Cancellation stops future renewals but does not automatically refund an already completed billing period. Unless a refund is required by law or approved under this Policy, access continues until the end of the paid period. If an offer has a free or discounted trial that converts to a paid plan, the conversion date, recurring price and billing frequency should be displayed before enrollment.

If you believe a renewal occurred after a timely cancellation request, contact us with evidence of the request so we can investigate.

6. Digital delivery and returns

Our products and services are delivered electronically through email, account activation, download, access link, web interface or another method described before checkout. Unless a product page expressly states otherwise, no physical goods are shipped and no physical return process applies.

If you do not receive access within the delivery timeframe shown in the offer or purchase confirmation, check filtered email folders and then contact support. We will attempt to resend, restore or otherwise provide the purchased access before treating the order as undelivered.

7. How to request a refund

Send your request to contact@acrdigitalbusiness.com. Requests are not completed automatically by sending the email; we will review eligibility and respond through the contact information associated with the purchase.

8. Refund processing and timing

When approved, we will submit the refund to the original payment method within 10 business days. After submission, the payment processor, card network, bank or wallet provider controls when the credit appears. That additional posting time varies by provider and country.

If the original payment method cannot receive the refund, we may contact you to arrange a lawful alternative. Refund completion may be delayed when transaction verification, suspected fraud, payment disputes or legally required information is outstanding.

9. Currency, exchange rates and fees

Refunds are issued in the currency of the original transaction and ordinarily cannot be redirected to a different payment method. The amount credited in another currency may differ because of exchange rates or fees applied by your bank, card issuer or payment provider. ACR does not control those external conversion rates or fees.

We do not charge a separate fee merely to submit an approved refund, unless a fee was clearly disclosed before purchase and is permitted by law.

10. Unauthorized charges and payment disputes

If you do not recognize a charge, contact us promptly at contact@acrdigitalbusiness.com and contact your bank or card issuer when appropriate. We may request limited transaction details to investigate while protecting your payment information.

For access, delivery, billing or cancellation issues, contacting us before starting a chargeback can allow a faster resolution. This request does not restrict your right to contact your payment provider or exercise rights available under law.

11. Changes to this Policy

We may update this Policy to reflect changes in services, payment practices or legal obligations. The current version will be published on this page with a revised effective date. A change will not retroactively remove refund rights that applied when a purchase was completed.

12. Refund support and company details

For refund, cancellation, billing or delivery questions, contact us directly: