Refund Policy.

Last updated: 18 September 2026

1. About This Policy

This Refund Policy explains the withdrawal and refund arrangements that apply when you purchase digital products or services from Luname OÜ through annelischoen.com.

Nothing in this Refund Policy limits any mandatory consumer rights that apply to you under applicable law.

If you have a question about a purchase, withdrawal or refund, please contact us at anneli@annelischoen.com.

2. Your Right to Withdraw

If you purchase a digital product or service as a consumer, you generally have the right to withdraw from a distance contract within 14 days without giving a reason, subject to applicable law and any lawful exceptions.

The withdrawal period generally begins on the day the contract is concluded.

To exercise your right of withdrawal, you must inform us of your decision to withdraw before the withdrawal period expires. You can do this by contacting anneli@annelischoen.com with a clear statement that you wish to withdraw from your purchase.

Different rules may apply where the supply of digital content or performance of a service begins during the withdrawal period. These are explained below.

3. Digital Content and Services

For digital content or services, your statutory right of withdrawal may be affected once delivery or performance begins.

Where applicable law allows the right of withdrawal to be lost after digital content begins to be supplied, this will apply only where the legal requirements for doing so have been met, including any required prior express consent and acknowledgement from you.

We will not treat your right of withdrawal as having been lost merely because you completed the purchase or received access to digital content where the legal requirements for loss of that right have not been met.

Where a service begins during the withdrawal period at your express request and you later exercise a valid right of withdrawal, different rules may apply to any part of the service already performed, as provided by applicable law.

4. Requesting a Withdrawal or Refund

To request a withdrawal, refund or assistance with a purchase, please contact anneli@annelischoen.com.

Please include enough information for us to identify your purchase, such as the name and email address used for the order and, where available, your order number.

We will review your request in accordance with these terms and applicable consumer law. If a refund is due, it will be processed using the appropriate method in accordance with applicable law and the payment arrangements used for the purchase.

This policy does not affect your right to contact the relevant consumer protection authority or use an applicable consumer dispute resolution procedure.

5. Refunds Where There Is a Problem With the Product or Service

If a digital product or service you purchase from us is not provided as agreed, is inaccessible due to a problem on our side, or otherwise does not conform to applicable legal requirements, please contact us at anneli@annelischoen.com.

We will take reasonable steps to investigate and, where appropriate, resolve the issue. Depending on the circumstances and your rights under applicable law, this may include restoring access, correcting the problem, providing the product or service as agreed, reducing the price, or issuing a refund.

Nothing in this Refund Policy limits any mandatory rights or remedies available to you under applicable consumer law.

6. How Refunds Are Made

Where a refund is due, we will refund the relevant amount using the same means of payment used for the original transaction, unless you have expressly agreed otherwise or another method is required or permitted by applicable law.

Where a refund is due following a valid exercise of the right of withdrawal, we will make the refund without undue delay and no later than 14 days after being informed of your decision to withdraw. Where a refund is due because of a price reduction or termination relating to non-conforming digital content or a digital service, we will make the refund without undue delay and no later than 14 days as required by applicable law.

You will not be charged a fee by Luname OÜ for receiving a refund that is due to you.

7. Changes to This Refund Policy

We may update this Refund Policy from time to time to reflect changes in our products, services, business practices or applicable legal requirements.

The version of this Refund Policy that applies to your purchase is the version made available to you at the time of that purchase. Later changes will not retrospectively reduce any mandatory consumer rights that applied to your purchase.

When we update this policy, we will update the “Last updated” date at the top of this page.