退款政策 Refund Policy
生效日期 Effective date： 25 May 2025
一、适用范围与基本原则 Scope & General Principles
数易赋能（NumForLife）致力于提供清晰、公平的退款及售后处理机制。本政策适用于通过我们的 App、网站及相关官方渠道购买的数字产品、会员订阅、电子服务及实体商品。
NumForLife is committed to providing a clear and fair process for refunds and after-sales support. This Policy applies to digital products, memberships, subscriptions, electronic services, and physical goods purchased through our app, website, and other official channels.
退款资格将根据商品或服务类型、交付及使用情况、购买渠道和适用法律确定。本政策所列限制不影响您依法享有的消费者权利，包括针对未交付、存在缺陷或与描述不符的商品及服务提出补救要求的权利。
Refund eligibility depends on the type of product or service, delivery and usage status, purchase channel, and applicable law. Restrictions in this Policy do not affect your statutory consumer rights, including rights to remedies for goods or services that are not delivered, defective, or not as described.
商品页面列明的特别退款条件，应在购买前清晰展示，并与本政策及适用法律一并适用。
Any product-specific refund conditions must be clearly disclosed before purchase and apply alongside this Policy and applicable law.
二、不同购买渠道的退款 Purchase Channels & Refund Requests
网站及直接付款 Website & Direct Payments
通过我们的网站或直接付款渠道完成的订单，请联系客户服务团队申请退款。我们将根据本政策核实并处理。
For orders placed through our website or direct payment channels, please contact our customer support team. We will review and process your request under this Policy.
Apple App Store 购买 Apple App Store Purchases
通过 Apple App Store 内购付款的订单，请前往 reportaproblem.apple.com 提交退款申请。退款资格、审核结果及到账时间由 Apple 根据其适用规则处理。我们可以协助核实服务或账户问题，但无法代替 Apple 批准退款。
For purchases billed through Apple’s in-app purchase system, please request a refund at reportaproblem.apple.com. Apple handles eligibility, approval, and payment timing under its applicable rules. We can help investigate service or account issues but cannot approve a refund on Apple’s behalf.
Google Play 购买 Google Play Purchases
通过 Google Play 付款的订单，您可以按照 Google Play 退款指引 提交申请，也可以联系我们协助处理。具体处理方式取决于购买时间、订单类型、平台规则及适用法律。
For purchases billed through Google Play, you may follow the Google Play refund guidance or contact us for assistance. The process depends on the purchase date, order type, platform rules, and applicable law.
三、数字产品与电子服务 Digital Products & Electronic Services
数字产品包括个性化解读、分析报告、下载资源及其他电子内容。对于已经交付或开始使用、且不存在缺陷或交付问题的数字产品，单纯因改变主意而提出的退款申请通常不予受理，但适用法律或购买平台另有规定的除外。
Digital products include personalised readings, reports, downloadable resources, and other electronic content. Once delivered or accessed, digital products without defects or delivery issues are generally not refundable solely because you change your mind, unless applicable law or the purchase platform provides otherwise.
以下情况可联系我们申请核实及处理：
Please contact us for review in the following circumstances:
同一订单被重复扣款，或发生系统错误扣款。
Duplicate charges for the same order or billing errors.付款成功后，未在承诺时间内收到内容或服务权限。
Content or service access was not provided within the promised timeframe after successful payment.因我们的系统或产品技术问题，无法正常使用已购买的主要功能。
Technical issues with our systems or products prevent normal use of the main purchased features.所交付内容存在实质性缺漏，或与购买时的描述明显不符。
Delivered content has material omissions or differs substantially from its description at purchase.
我们会根据情况提供恢复访问、修正内容、重新交付或退款等处理方案。如问题无法在合理时间内解决，将根据受影响范围及适用要求处理退款。
Depending on the circumstances, we may restore access, correct content, redeliver the product, or provide a refund. If the issue cannot be resolved within a reasonable time, we will address refund eligibility based on the extent of the issue and applicable requirements.
仅因测算、解读或占卜结果不符合个人期望，通常不构成退款理由；但本条不排除因误导性描述、内容缺失或服务未履行而提出的合理申请。
A calculation, reading, or divination result not matching personal expectations is generally not, by itself, grounds for a refund. This does not exclude valid claims involving misleading descriptions, missing content, or failure to provide the service.
四、会员与订阅服务 Memberships & Subscriptions
首次购买 First-Time Purchases
首次购买会员或订阅后，如您在付款之日起 7 个自然日内提出申请，且未使用任何付费专属功能或权益，我们可根据订单情况酌情批准退款。通过应用商店付款的订单，仍须遵循相应平台的退款流程。
For a first-time membership or subscription purchase, we may approve a refund at our discretion if you apply within 7 calendar days of payment and have not used any paid features or benefits. App-store purchases remain subject to the relevant platform’s refund process.
自动续订与取消 Auto-Renewal & Cancellation
如您购买的是自动续订订阅，请按照购买页面及付款平台列明的取消期限和方式，在下次扣款前取消。卸载 App 或停止使用服务不会自动取消订阅。
If you purchase an automatically renewing subscription, please cancel before the next charge using the method and deadline stated at purchase and by the billing platform. Uninstalling the app or stopping use of the Services does not automatically cancel a subscription.
取消自动续订通常会停止后续扣款，现有权益可继续使用至已付费周期结束。取消订阅与申请退款属于不同操作，取消不会自动触发退款。
Cancelling auto-renewal generally stops future charges while allowing access until the end of the paid period. Cancellation and refund requests are separate actions; cancellation does not automatically generate a refund.
续费与降级 Renewals & Downgrades
已成功处理的续费订单，通常不因未使用或忘记取消而自动退款。但重复扣款、有效取消后仍扣款、服务无法提供，或适用法律及平台规则允许退款的情况，仍可申请核实。
Processed renewals are generally not automatically refundable because of non-use or a forgotten cancellation. Requests may still be reviewed for duplicate charges, charges after an effective cancellation, unavailable services, or eligibility under applicable law or platform rules.
会员降级的生效时间以操作页面显示为准。除另有明确说明或适用法律要求外，降级通常不会产生当前已付费周期的差价退款。
The effective date of a downgrade is shown during the downgrade process. Unless expressly stated otherwise or required by law, downgrading generally does not result in a refund of the price difference for the current paid period.
五、实体商品退货与退款 Physical Goods Returns & Refunds
改变主意的退货 Change-of-Mind Returns
如因个人原因希望退货，请在收到商品后 14 个自然日内提出申请。商品应保持未使用、无损坏，并附带原包装、配件及随附赠品。定制商品及购买前已明确说明不适用此类退货的商品除外。
If you wish to return an item for personal reasons, please submit your request within 14 calendar days of receipt. Items should be unused, undamaged, and include their original packaging, accessories, and accompanying gifts. Customised items and items clearly excluded from change-of-mind returns before purchase are excepted.
请先联系客服获取退货地址及指引，并在退货获批后 14 个自然日内寄回，双方另有约定的除外。请保留寄件凭证。
Please contact customer support for the return address and instructions before sending an item back. Unless otherwise agreed, return approved items within 14 calendar days of approval and retain proof of postage.
缺陷、损坏、缺件或错发 Defective, Damaged, Missing, or Incorrect Items
如商品存在质量问题、运输损坏、缺件或错发，请尽快联系我们，并尽可能提供订单编号及相关照片。原包装或照片无法提供，不会自动取消您依法享有的补救权利。
If an item is defective, damaged in transit, incomplete, or incorrect, please contact us promptly with your order number and photographs where possible. The absence of original packaging or photographs does not automatically remove your statutory rights to a remedy.
因用户不当使用或人为损坏造成的问题，通常不属于免费退换范围。
Issues caused by misuse or damage caused by the customer are generally not eligible for a free return or replacement.
退货运费与退款金额 Return Shipping & Refund Amounts
经核实属于商品缺陷、错发或其他由我们承担责任的问题，合理的退货费用由我们承担。因个人原因退货的运费通常由用户承担。
For verified defects, incorrect items, or other issues for which we are responsible, we will cover reasonable return shipping costs. Return shipping for personal reasons is generally payable by the customer.
原始配送费是否退还，将根据退货原因及适用法律确定。退款按实际支付金额计算；如订单涉及优惠或组合购买，我们会在确认退款时说明计算方式。
Refunds of original delivery charges depend on the reason for return and applicable law. Refunds are based on the amount actually paid. If discounts or bundles apply, we will explain the calculation when confirming the refund.
六、预售、定制与促销商品 Pre-orders, Customised Items & Promotional Products
预售订单的取消条件，以购买前展示的条款为准。若我们无法交付，或预计交付时间出现重大延误，我们将通知您，并根据适用要求提供继续等待、替代安排或退款等选择。
Cancellation conditions for pre-orders are disclosed before purchase. If we cannot deliver or expect a significant delay, we will notify you and provide options such as waiting, alternative arrangements, or a refund, as applicable.
定制商品或个性化服务开始制作后，通常不接受单纯因改变主意而提出的取消或退款申请。如尚未开始制作，请及时联系我们核实是否可以取消。
Once production of customised goods or personalised services has begun, change-of-mind cancellations or refunds are generally unavailable. If work has not started, contact us promptly to check whether cancellation is possible.
促销或清仓商品如不适用改变主意的退货，将在购买前说明。促销、清仓或定制属性，不影响商品存在缺陷、与描述不符或未交付时依法适用的补救权利。
Any exclusion of promotional or clearance items from change-of-mind returns will be disclosed before purchase. Promotional, clearance, or customised status does not remove applicable rights to remedies for defects, misdescription, or non-delivery.
七、配送延误与无法履约 Delivery Delays & Failure to Fulfil
如订单受自然灾害、运输中断、海关检查或其他超出合理控制范围的事件影响，我们将尽合理努力提供更新及解决方案。此类事件不会自动排除您的退款权利。
If an order is affected by natural disasters, transport disruptions, customs inspections, or other events beyond reasonable control, we will make reasonable efforts to provide updates and a resolution. Such events do not automatically exclude your refund rights.
如订单已确认无法交付，或延误达到适用法律允许取消的程度，我们将根据具体情况安排退款或其他适当补救。配送事项亦请参阅《配送与交付政策》。
If delivery is confirmed to be impossible, or a delay gives rise to a cancellation right under applicable law, we will arrange a refund or another appropriate remedy. Please also refer to our Shipping & Delivery Policy.
八、退款申请流程 How to Request a Refund
请发送邮件至 shuyi.fn@gmail.com，并提供以下信息：
Please email shuyi.fn@gmail.com with the following information:
注册邮箱或可识别订单的账户信息。
Your registered email address or account details sufficient to identify the order.订单编号、购买日期及付款渠道。
Order number, purchase date, and payment channel.需要退款的商品或服务，以及申请原因。
The product or service concerned and the reason for your request.相关凭证，如付款记录、错误截图或商品照片（如适用）。
Relevant evidence, such as payment records, error screenshots, or product photographs, where applicable.
请勿发送账户密码、验证码或完整银行卡资料。
Do not send account passwords, verification codes, or complete payment card details.
我们通常会在收到申请后 3–5 个工作日内回复。如需补充资料、技术核实或验收退货，我们会说明后续步骤及预计处理时间。适用法律要求更快处理的，从其规定。
We normally respond within 3–5 business days of receiving a request. If additional information, technical investigation, or inspection of returned goods is needed, we will explain the next steps and expected timing. Any shorter legally required timeframe will apply.
九、退款方式与到账时间 Refund Method & Timing
对于由我们直接处理的退款，在退款最终获批并完成必要退货核验后，我们通常会在 7 个工作日内向支付服务商提交原路退款指令；适用法律要求更早退款的除外。
For refunds handled directly by us, we normally submit the refund to the original payment method within 7 business days after final approval and any necessary return verification, unless an earlier refund is required by law.
此期限指我们发起退款的时间，并非保证到账时间。实际到账时间取决于银行、支付服务商或应用商店。如原付款方式无法接收退款，我们将与您协商适当安排。
This timeframe refers to when we initiate the refund, not guaranteed receipt of funds. Actual posting time depends on the bank, payment provider, or app store. If the original payment method cannot receive the refund, we will discuss an appropriate alternative with you.
退款完成后，与退款部分对应的会员权益、内容访问权限或未使用服务可能被撤销。对于部分退款，我们会说明保留及取消的权益。
Once a refund is completed, membership benefits, content access, or unused services associated with the refunded portion may be withdrawn. For partial refunds, we will explain which benefits remain and which are cancelled.
十、审核与合理使用 Review & Fair Use
我们会根据订单记录、交付情况、使用记录及相关凭证公平审核申请。如不符合退款条件，我们将说明原因；您可以补充资料并请求复核。
We review requests fairly using order records, delivery status, usage records, and relevant evidence. If a request does not qualify, we will explain why. You may provide further information and request a review.
如有合理证据显示存在欺诈、伪造凭证或重复获取同一笔退款等行为，我们可能拒绝相关不当申请，并采取适当的账户保护措施。正常提出退款申请或依法行使消费者权利，不会仅因此受到处罚。
Where there is reasonable evidence of fraud, falsified evidence, or attempts to obtain multiple refunds for the same payment, we may reject improper claims and take appropriate account-protection measures. Making a legitimate refund request or exercising consumer rights will not, by itself, result in a penalty.
十一、政策更新 Policy Updates
我们可能因服务调整、运营需要或法律要求更新本政策，并在 App 或网站公布最新版本及生效日期。对于重大变更，我们将根据适用要求提供适当通知。
We may update this Policy to reflect service changes, operational needs, or legal requirements. The latest version and effective date will be published on our app or website. We will provide appropriate notice of material changes as required.
除适用法律另有要求或双方另有约定外，已完成的购买通常适用购买时的退款政策。后续更新不会追溯削减您已享有的退款或消费者权利。
Unless otherwise required by law or separately agreed, completed purchases generally remain subject to the policy in effect at purchase. Later updates will not retroactively reduce your existing refund or consumer rights.
十二、联系我们 Contact Us
电子邮箱 Email： support@kccdigital.com
服务时间： 工作日 10:00–18:00（GMT+8），公共假期除外。
Support hours: Weekdays, 10:00 AM–6:00 PM (GMT+8), excluding public holidays.