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Refund Policy

Effective date: August 21, 2026 — draft, pending legal review

This document is a pre-launch draft and has not yet been reviewed by a licensed attorney. It will be finalized before NorthStar-Lumen begins collecting subscription payments.

NorthStar-Lumen offers a generous free trial so you can evaluate Lumen fully before spending a dollar. This policy explains what happens after you choose to subscribe.

All payments for the Service are processed by Paddle.com, NorthStar-Lumen's Merchant of Record. Paddle is the seller of record for all transactions; your payment, invoice, and any refund request are handled by Paddle, not directly by NorthStar-Lumen.

1. Free Trial — No Payment Required

NorthStar-Lumen offers a free trial (standard 14 days, or 30 days for accounts created during September 2026, up to 100 ASINs) so you can test Lumen fully before making any payment. Because no payment is taken during the trial, refunds do not apply to the trial period.

2. Subscription Payments

When you subscribe, you authorize Paddle to charge your payment method at the start of each billing period (monthly) at the price displayed at checkout. Subscriptions renew automatically until cancelled.

Because Lumen is a digital service delivered immediately upon subscription activation, each billing period is generally non-refundable once that period has begun, except as described in Section 3.

3. When Refunds May Apply

Refunds are not guaranteed but may be issued in the following circumstances, at NorthStar-Lumen's and/or Paddle's discretion:

  • Duplicate or erroneous charges — if you are charged more than once for the same period, or if a technical error results in an incorrect charge, contact us at support@northstar-lumen.com and the erroneous charge will be corrected promptly.
  • Service unavailability — if the Service experiences a significant and sustained outage (generally more than 72 consecutive hours) that is attributable to NorthStar-Lumen, you may request a pro-rata credit for the affected period. Credits are applied to future billing periods and are not paid out as cash refunds.
  • Applicable law — nothing in this policy limits any rights you may have under applicable consumer protection or digital services laws. Where local law mandates a refund right that this policy does not otherwise provide, that right is honored.

4. What Refunds Do Not Cover

The following are generally not eligible for refund:

  • Dissatisfaction with pricing recommendations or business outcomes — Lumen is a decision-support tool, and results depend on many factors outside our control.
  • Failure to use the Service during a paid period.
  • Forgetting to cancel before a renewal date — we recommend enabling Paddle's renewal reminder notifications.
  • Choosing to downgrade or cancel mid-period — access continues until the end of the paid period; no refund is issued for the remaining days.
  • Violations of our Terms of Service that result in account suspension or termination.

5. How to Request a Refund or Report a Billing Issue

Billing and refund requests are handled through NorthStar-Lumen support at support@northstar-lumen.com — a direct Paddle buyer support link will be added here once our Paddle account is live and subscription billing begins. For questions about your account or the Service itself, the same address reaches us.

Please have your order confirmation or subscription ID available when contacting us. Refund requests are typically reviewed within five (5) business days.

6. Cancellation Is Not the Same as a Refund

You may cancel your subscription at any time via your account settings or through Paddle buyer support. Cancellation stops future charges immediately. It does not trigger a refund for the current billing period already paid.

After cancellation, your access to the Service continues until the end of the current paid period. Your data is retained on our live systems for sixty (60) days; encrypted backup copies are purged within thirty (30) additional days. The total deletion timeline from cancellation is therefore ninety (90) days. See our Privacy Policy for full details.

7. Currency and Taxes

All prices are shown in US Dollars (USD) and exclude applicable taxes. Paddle calculates and adds any required taxes (including VAT and sales tax) at checkout based on your billing location.

NorthStar-Lumen is not responsible for any currency conversion fees charged by your bank or card issuer.

8. Changes to This Policy

We may update this Refund Policy from time to time. If we make a material change, we will update the effective date and notify active subscribers by email at least fourteen (14) days before the change takes effect.

9. Contact

Questions about this policy: support@northstar-lumen.com