Refund Policy

Effective Date: October 16, 2025
Last Updated: October 16, 2025

Our Commitment to Satisfaction

At Low Latency Trading Insights, we stand behind the quality of our content and want you to be completely satisfied with your subscription. We offer a straightforward refund policy that protects your purchase while ensuring fairness for all parties.

14-Day Money-Back Guarantee

New Subscriptions

We offer a 14-day money-back guarantee for all new subscription purchases. If you’re not satisfied with your subscription for any reason, you can request a full refund within 14 days of your initial purchase date.

This guarantee applies to:

First-time subscribers (new customers)
Your initial subscription purchase (monthly or annual)
Both Monthly ($35/month) and Annual ($300/year) plans

The 14-day period begins:

From the date of your successful payment confirmation
Not from when you first access content
The exact timestamp is shown on your receipt

What’s Covered

✅ Eligible for Refund

You CAN receive a refund if:

You request it within 14 days of your initial purchase
You are a first-time subscriber
You haven’t previously received a refund from us
Technical issues prevented access to paid content
We failed to deliver promised features or content
You were incorrectly charged or double-billed

❌ Not Eligible for Refund

You CANNOT receive a refund for:

Renewal payments (second month onwards for monthly, second year for annual)
Requests made after the 14-day period
Partial period refunds after cancellation
If you’ve downloaded or accessed substantial premium content (generally 20+ articles)
Previous subscribers attempting to claim multiple “first-time” refunds
Subscriptions purchased through third-party resellers (unless authorized)
Violations of our Terms of Service resulting in account termination

How to Request a Refund

Step 1: Contact Support

Email us at support@vitorian.com with:

Subject line: “Refund Request – [Your Email]”
Your subscription email address
Your order/invoice number (found in your receipt)
Date of purchase
Reason for refund request (optional but helpful)

Step 2: Processing Time

We review refund requests within 24-48 hours (business days)
Approved refunds are initiated immediately
Funds typically appear in your account within 5-10 business days depending on your bank

Step 3: Confirmation

You’ll receive email confirmation when your refund is approved
A second confirmation when the refund is processed
Your subscription access continues until the original billing period ends

Subscription Cancellations vs. Refunds

Cancellation

What it is: Stopping future charges while keeping access until period ends
When to use: You don’t want to renew but want continued access
How: Cancel anytime via account dashboard
Access: Continues until the end of current billing period
Refund: No refund for unused time

Refund

What it is: Full return of payment for eligible purchases
When to use: Within 14 days if unsatisfied with initial purchase
How: Email support@vitorian.com
Access: May end immediately upon refund processing
Money back: Full refund to original payment method

Special Circumstances

Upgrading or Downgrading

Monthly to Annual: Prorated credit applied to annual payment
Annual to Monthly: No refund, but monthly billing starts after annual period ends
Refund eligibility: 14-day guarantee applies to the upgrade transaction date

Payment Errors

If you experience any of the following, contact us immediately for resolution:

Duplicate charges
Incorrect amounts charged
Unauthorized charges
Failed cancellation resulting in unwanted renewal

We’ll resolve payment errors regardless of the 14-day period.

Technical Issues

If technical problems prevent access to paid content:

Report issues to support@vitorian.com immediately
We’ll attempt to resolve within 24 hours
If unresolved, full refund regardless of access period
Extended guarantee period for documented technical issues

Regional Considerations

European Union & United Kingdom

In compliance with EU and UK consumer protection laws:

14-day cooling-off period for distance sales
Right to withdraw without giving reason
Full refund if withdrawn within 14 days
Digital content provisions apply once download/streaming begins

Australia & New Zealand

Consumer guarantees under Australian Consumer Law
Refunds for major failures or misrepresentation
14-day voluntary guarantee exceeds minimum requirements

Other Regions

Minimum 14-day guarantee applies globally
Local consumer protection laws respected where applicable
Contact us if you have region-specific concerns

Merchant of Record

All refunds are processed by Paddle.com Market Limited, our Merchant of Record. Paddle handles:

Payment processing and refunds
Transaction security
Tax compliance
Customer billing support

For billing-specific issues, you may also contact Paddle directly at:

Website: https://paddle.com/support
Email: Through their support portal
Reference: Your Paddle invoice number

Frequently Asked Questions

Q: How long does the refund take?

A: Once approved, refunds typically appear within 5-10 business days, depending on your bank or card issuer.

Q: Can I get a refund after 14 days?

A: Generally no, unless there are exceptional circumstances like technical failures or billing errors.

Q: What if I forgot to cancel and was charged for renewal?

A: Renewal charges are generally non-refundable. Set a reminder to cancel before renewal if unsure about continuing.

Q: Can I get a partial refund?

A: We don’t offer partial refunds. It’s either a full refund within 14 days or continued access until the period ends.

Q: Will I lose access immediately after a refund?

A: In most cases, access continues until the end of the original billing period, though we reserve the right to terminate access upon refund.

Q: Can I re-subscribe after receiving a refund?

A: Yes, but you won’t be eligible for another new-subscriber refund guarantee.

Q: What if my refund is denied?

A: We’ll explain the reason. If you disagree, you can appeal by providing additional information or context.

Q: Do refunds include taxes?

A: Yes, refunds include all taxes and fees paid on the original transaction.

Fair Use Policy

To prevent abuse while protecting genuine customers:

One refund per customer lifetime for “satisfaction” reasons
Multiple refunds only for documented technical/billing issues
Excessive refund requests may result in account restrictions
Pattern abuse may be reported to payment processors

Changes to This Policy

We may update this refund policy occasionally. Changes will be posted on this page with an updated revision date. Material changes will be notified via email to active subscribers.

Contact Information

For Refund Requests:

Email: support@vitorian.com
Subject: “Refund Request – [Your Email]”
Response Time: 24-48 hours (business days)

For General Support:

Email: support@vitorian.com
Website: https://hftuniversity.com/contact

Mailing Address:

Vitorian LLC
Attn: Customer Service
2525 Techny Rd
Northbrook, IL 60062
United States

Your Rights

This refund policy does not limit any rights you may have under:

Local consumer protection laws
Credit card chargeback rights
Payment processor dispute resolution
Statutory warranties or guarantees

We encourage you to contact us first to resolve any issues quickly and amicably.

Summary

✅ 14-day money-back guarantee for new subscribers
✅ Full refund if requested within guarantee period
✅ Simple process via email to support@vitorian.com
✅ Quick processing within 5-10 business days
❌ No refunds for renewals or after 14 days
❌ No partial refunds for unused time

This policy is part of our Terms of Service and should be read in conjunction with our Privacy Policy.

Low Latency Trading Insights is committed to customer satisfaction while maintaining sustainable business practices.

For the most current version of this policy, please visit: https://hftuniversity.com/refund-policy/