RETURNS AND WITHDRAWAL POLICY (DIGITAL GOODS POLICY)
Digital Goods Refund and Withdrawal Policy | © Topatsis Consulting | Document ID: TCD-GOV-07-ENG
Internal Document Code: D25-GOV | Issue Date: 1 July 2026 | Version: 2.0 (Second Edition)

Digital Products and Right of Withdrawal
According to the European Consumer Rights Directive (CRD), digital products, toolkits, downloadable files, and software are explicitly excluded from the 14-day right of withdrawal.

Upon completion of your payment through the payment gateway (external environment) and the immediate provision / delivery of the download link for the digital file, you expressly consent to the immediate execution of the contract and accept the definitive loss of your right of withdrawal and refund.

Therefore, all sales are final, and no refund or exchange is offered for any digital products available on the Website and any potential subdomains of Myadvisors.online.

Exceptions and Technical Issues
A refund or file replacement may be considered within 30 days from the purchase date, exclusively and only if it is proven that the digital file you received is corrupted or technically defective, making it impossible to download or open using standard technical means.

To evaluate your request, you must send your proof of purchase and evidence of the technical issue (e.g., a screenshot) to the email address: eshop@myadvisors.online (avoiding the transmission of further or non-required data).

Approved Refunds Process
In specific cases of a technical defect, once your request has been reviewed, an update email will be sent regarding the approval or rejection of the refund. If approved (upon proof and acceptance of the existing technical issue, and provided that no new file was sent for replacement), the refund will be processed automatically, and the amount will be credited to the original payment method you used, within the timeframe specified by banking institutions.

Delayed or Missing Refunds
If the refund is approved and you have not received the money yet, please check your bank account first. Next, contact your card issuer and your bank, as some processing and posting time is often required by international banking systems. If you have completed all the above steps and still have not received the amount, please contact us at: eshop@myadvisors.online.

Items on Offer
For products purchased using a discount coupon or during a promotional period, the exact same terms of exclusion from the right of withdrawal apply, as they constitute digital content.

B2B Intra-Community Transactions (B2B VAT Exemption)
If you are a business based in an European Union country (outside of Greece) and qualify for a VAT exemption under the reverse charge mechanism (VIES / Reverse Charge), you are required to contact us at eshop@myadvisors.online BEFORE making your purchase.
You must send us your full corporate details and your VAT number so that the necessary electronic verification can be performed in the VIES system and the corresponding invoice can be issued without VAT. After a purchase is completed with VAT, subsequent modification or refund of the tax is not possible.