E-Commerce & Payment Policy

Effective Date: October 24, 2025

Last Updated: October 24, 2025

This E-Commerce & Payment Policy outlines the terms and conditions for purchasing products, services, and memberships from Radiant Creative Living (operated by Radiant Creative Solutions, LLC).

By completing a purchase, you agree to the terms outlined in this policy.

Payment Methods

We accept the following payment methods through secure third-party processors:

Credit/Debit Cards (Visa, Mastercard, American Express, Discover)

PayPal

Stripe

Amazon Pay

Google Pay

Venmo

Cash App Pay

Klarna (Buy Now, Pay Later)

All payment information is processed securely by our payment providers. We do not store full credit card or banking details on our servers.

Pricing & Currency

All prices are listed in U.S. Dollars (USD) unless otherwise stated.

Prices are subject to change without prior notice. The price displayed at checkout is the final price you will be charged.

Taxes, if applicable, will be calculated and displayed at checkout.

Order Confirmation

After completing your purchase, you will receive:

Order confirmation email with purchase details and receipt.

Access instructions (for digital products or memberships) sent to the email address provided during checkout.

If you do not receive confirmation within 24 hours, please contact us at [email protected].

Digital Products & Services

Instant Access

Digital products (e.g., downloads, courses, memberships) are delivered immediately or within 24 hours of purchase confirmation.

License & Usage

Digital products are licensed for personal use only unless otherwise stated. You may not:

Resell, redistribute, or share purchased content in its entirety. Select screenshots may be shared to social media with correct tagging and attribution.

Reverse-engineer or modify proprietary materials.

Subscriptions & Recurring Billing

Auto-Renewal

Memberships and subscription services renew automatically at the end of each billing cycle (monthly, quarterly, or annually) unless canceled.

Cancellation

To cancel a subscription:

Email [email protected] with your account details and cancellation request.

Allow up to 10 business days for processing.

Cancellations take effect at the end of the current billing period. No refunds will be issued for partial billing periods.

Refund Policy

General Policy

All sales are final. Due to the digital nature of our products and services, we do not offer refunds except in the following circumstances:

Technical issues preventing access to purchased content (we will work to resolve the issue first).

Duplicate charges or billing errors.

Unauthorized charges reported within 30 days of the transaction.

Case-by-Case Review

Refund requests will be reviewed on a case-by-case basis. To request a refund:

Email [email protected] within 30 days of purchase.

Include your order number, reason for the request, and any supporting documentation.

Approved refunds will be processed within 10 business days to the original payment method.

Physical Products (Future)

When physical products become available:

Shipping costs will be calculated at checkout based on delivery location.

Delivery times vary by carrier and destination.

Returns for physical products will be subject to a separate return policy (to be published when physical goods are offered).

Failed Payments

If a subscription payment fails:

You will receive an email notification with instructions to update your payment method.

Access to subscription services may be suspended until payment is successfully processed.

After 3 failed payment attempts, your subscription may be canceled.

Disputes & Chargebacks

If you dispute a charge with your bank or payment provider without first contacting us:

Your account access may be suspended pending resolution.

Chargebacks may result in permanent account termination and loss of access to all purchased content.

We encourage you to contact us directly to resolve billing concerns before initiating a chargeback.

Security

All transactions are encrypted using SSL (Secure Socket Layer) technology. Payment processors comply with PCI-DSS (Payment Card Industry Data Security Standards) to protect your financial information.

Contact Us

For questions about orders, billing, or refunds, please contact:

Radiant Creative Living

Operated by Radiant Creative Solutions, LLC

100 2nd Avenue South, Suite 706S

St. Petersburg, FL 33701 USA

Email: [email protected]

Phone: +1 (727) 353-1304