Payment, Credits & Refund Policy

1. Scope and acceptance

This Payment, Credits and Refund Policy applies to purchases made through phogotarot.com, including Credits, Premium access and other digital services displayed at checkout. By placing an order, you agree to this Policy and our Terms of Service. Mandatory consumer rights in your country remain unaffected.

2. Digital products and service access

• Credits are limited, revocable digital units used only for eligible features on Pho Go Tarot. They are not money, stored value, cryptocurrency or property; have no cash value outside the service; and may not be transferred, resold or redeemed for cash.
• Premium grants the features and access period shown at checkout. Unless checkout expressly states that a product renews automatically, the purchase is a one-time transaction and does not create recurring billing.
• Feature availability, Credit cost and package composition may change prospectively. Changes will not retroactively remove paid access already promised for an active fixed term, except where reasonably necessary for security, law, fraud prevention or service discontinuation.

3. Prices, currencies and taxes

The price, currency, package contents and any applicable taxes or fees are shown before payment. Your bank or payment provider may apply conversion, international transaction or other fees that we do not control. You authorize us and our payment providers to charge the total displayed at checkout.

4. Payment processing and authorization

Payments may be processed by third-party banks or payment providers under their own terms and privacy practices. An order is complete only after payment is confirmed and the purchased benefit is credited or activated. We may decline, hold or reverse a transaction reasonably suspected of fraud, unauthorized use, sanctions violations, pricing error or technical abuse.

5. Delivery and your responsibility

Digital benefits are normally delivered to the account used at checkout shortly after payment confirmation. You are responsible for using the correct account and reviewing the order before paying. Contact us promptly if payment succeeds but the benefit is not delivered.

6. Refunds and withdrawal rights

Because Credits and Premium features are digital services supplied or made available promptly after purchase, all sales are final once the digital benefit has been credited, activated or consumed, except where a refund is required by applicable law or expressly allowed below. Dissatisfaction with a Tarot, numerology or AI-generated result, a change of mind, accidental selection, unused Credits, or suspension caused by your material breach ordinarily does not qualify for a refund.

For consumers who have a statutory cooling-off or withdrawal right, we honor that right where it applies. Where permitted by law, if you expressly request immediate supply of digital content or services and acknowledge that performance causes loss of the withdrawal right, that right may end once supply begins. Nothing in this Policy waives rights that cannot legally be waived.

7. Eligible billing corrections

At our option and where lawful, we may first correct the account, restore Credits, extend access, re-perform the service or refund the affected amount. Refunds are normally returned to the original payment method. Processing and foreign-exchange timing are controlled by the payment provider.

• A verified duplicate charge for the same order.
• Payment was captured but the purchased benefit was not delivered and we cannot deliver it within a reasonable period after notice.
• An unauthorized transaction established through reasonable verification, subject to payment-provider procedures and applicable law.
• Another circumstance in which applicable law requires a refund, cancellation, price reduction or other remedy.

8. How to request a billing review

Email contact@phogotarot.com as soon as reasonably possible and include your account email, transaction reference, date, amount, package and evidence of the issue. For operational efficiency, please report ordinary billing errors within 14 days; this request period does not shorten any non-waivable statutory right. We may request identity and payment verification before acting.

9. Chargebacks and payment disputes

Please contact us first so we can investigate. Filing a knowingly false or abusive chargeback may result in suspension, reversal of fraudulently obtained benefits, collection of amounts lawfully owed and submission of relevant evidence to the payment provider. We will not penalize a consumer for making a good-faith claim or exercising a legal right.

10. Suspension, expiry and service changes

We may suspend or terminate access for fraud, payment reversal, security risk or material violation of our Terms. Unless required by law, this does not create a refund right for benefits already delivered or consumed. Any expiry period is the period clearly disclosed for the package or account benefit. If we permanently discontinue a paid service before delivering a material prepaid benefit, we will provide a reasonable remedy as required by applicable law.

11. Governing law and mandatory rights

This Policy is governed by the laws of Vietnam, without regard to conflict-of-law rules. This choice does not deprive a consumer of mandatory protections that apply in the consumer’s country of residence. Before formal proceedings, the parties should attempt in good faith to resolve a payment dispute by contacting each other.

12. Changes and contact

We may update this Policy prospectively. The version in effect when you place an order generally governs that transaction unless a later change is required by law or is more favorable to you. Billing questions: contact@phogotarot.com.