Refund Policy

1. Scope

This Policy also applies when payment is made through Lava.top. Send refund requests to contact@mornatural.com with the purchase email and payment reference. We coordinate the request with the seller and Lava.top. Approved refunds are processed through the payment provider to the original payment method; for RUB purchases, the approved refund amount is based on the amount actually paid in rubles. Bank conversion differences and provider processing times may affect when and how the credit appears. Mandatory consumer rights remain unaffected.

This Policy applies exclusively to purchases of digital educational products offered through MorNatural EDU, including Course access and related digital learning capabilities.

Nothing in this Policy limits a refund, cancellation, or other remedy that cannot be waived under applicable consumer law.

2. Fourteen-day Course refund window

You may request a refund within 14 calendar days after the confirmed Purchase date. Unless an Offer clearly states a more favorable rule, an approved request within this period returns the amount paid for that Purchase through the original payment method.

To request a refund, email contact@mornatural.com from the email associated with the Purchase. Include your name, Course, approximate purchase date, and payment receipt or transaction reference if available. You do not need to provide medical information or a detailed reason.

3. Requests after 14 days

After 14 days, voluntary refunds are generally unavailable for change of mind. Customers who purchased from Individual Entrepreneur Filipp Vladimirovich Kashirin through Robokassa retain the cancellation rights required by Russian law, including any applicable obligation to reimburse documented expenses actually incurred. We will also review duplicate or unauthorized charges, failure to provide access, a material Offer mismatch, and every other remedy required by law.

Please contact us promptly if technical problems prevent access. We may first offer troubleshooting, replacement access, or a reasonable extension when that fully resolves the problem.

4. What happens after approval

Once a full or partial refund is confirmed, all Course access supplied by that refunded Purchase is revoked immediately. Access supplied by a different active Purchase or a separate manual grant remains available.

Do not continue using or distributing downloaded Course materials after a refund. The personal license granted by the refunded Purchase ends when the refund is confirmed.

5. Refund method and timing

Approved refunds are submitted to the original payment method whenever possible. We do not provide cash refunds for card or electronic payments. Payment providers and banks commonly require 5–10 business days after submission to display a credit, and international processing may take longer.

For a Stripe Purchase, we return the approved U.S.-dollar amount. For a Robokassa Purchase, we return the approved Russian-ruble amount actually paid. A bank or payment provider controls any external conversion difference or fee. We will provide confirmation when the refund is submitted.

6. Abuse, fraud, and payment disputes

We may deny a voluntary refund request involving fraud, repeated policy abuse, unauthorized sharing, or a material violation of the Terms, except where law requires a refund. This does not affect a legitimate report of an unauthorized charge.

Contact us before opening a payment dispute so we can try to resolve the issue promptly. You keep all rights provided by your bank, card network, payment provider, and applicable law.

7. Changes and contact

The Policy version accepted at checkout applies to that Purchase unless a later policy is more favorable or applicable law requires otherwise. We may update this Policy for future Purchases by posting a new effective date.

Refund requests may be sent to contact@mornatural.com. For a Robokassa Purchase, they may also be sent to fkashirin@mornatural.com. MorNatural LLC’s mailing address is 121 SE Shurfine Dr, Suite 2, Ankeny, Iowa 50021-5425, USA.