本服务为数字产品，一次性交付、即时生效。未使用的订单可在 7 日内退款；已经生成并查看报告、或已消耗释义摘要次数的订单不予退款。
本政策适用于通过本服务完成的全部一次性购买（单次报告、年度通行证）。
本服务不含订阅与自动续费，因此不存在「忘记取消」类争议。
符合下列任一情形，请在购买后 7 日内提出，我们核实后退款：
本服务内容为即时交付的数字内容。下列情形不予退款：
欧盟与英国消费者通常享有 14 天无理由撤回权。但依《消费者权利指令》关于数字内容的例外，若你在下单时明确同意立即履行，并确认因此丧失撤回权，则该权利不再适用。
我们在结账页以单独一行明确提示上述内容。若你未作出该同意，14 天撤回权仍然有效，可在 14 日内提出退款，无需说明理由。
本政策不排除、不限制你依当地消费者保护法享有的法定权利。若当地法律规定的退款权利优于本政策，以当地法律为准。
商品存在瑕疵（如内容无法打开、重复扣款）时，无论是否超过 7 日，我们都会处理。
请致信 kris.188h@gmail.com，主题注明「退款申请」，并提供：下单邮箱或支付服务商订单号、购买日期、所选套餐、退款原因简述。
我们会在 2 个工作日内确认收悉，核实后 5–10 个工作日内发起退款。退款退回原支付方式，到账时间由发卡行决定（通常 3–10 个工作日）。
本服务的收款由支付服务商作为记录商户（Merchant of Record）处理，订单记录与退款通道由该服务商持有。因此退款可能需要通过其客服渠道共同完成，我们会协助跟进。
退款完成后，对应解锁权益将同步收回。
对本政策有任何疑问，或需行使数据权利，请致信 kris.188h@gmail.com，我们会在 30 日内答复。
运营主体：黄钰钏（CalenRef） · 准据法属地：Singapore
本产品仅提供中国传统历法与文化参考信息，供学习娱乐之用；不构成命理、占星或灵性指导服务，不作任何结果预测，也不构成医疗、法律、财务或投资建议。内容源于传统历法与民俗文献。
This is a digital product, delivered instantly and irrevocably. Unused orders can be refunded within 7 days; orders where a report has been generated and viewed, or summary credits consumed, are not refundable.
This policy covers every one-off purchase made through the Service (single report, annual pass).
The Service has no subscriptions or auto-renewals, so there are no "forgot to cancel" disputes.
Contact us within 7 days of purchase if any of the following applies, and we will refund after verification:
The Service delivers digital content instantly. Refunds are not available in these cases:
Consumers in the EU and UK normally have 14 days to withdraw from a distance contract. However, under the digital-content exception in the Consumer Rights Directive, that right is lost where you expressly consented to immediate performance and acknowledged that you would therefore lose the right of withdrawal.
We state this in a separate line on the checkout page. If you did not give that consent, your 14-day right of withdrawal remains available and you may request a refund within 14 days without giving a reason.
This policy does not exclude or restrict any statutory right you have under your local consumer protection law. Where local law is more favourable to you, local law prevails.
Where goods are faulty (for example content will not open, or you were charged twice), we will act regardless of the 7-day window.
Email kris.188h@gmail.com with the subject "Refund request" and include: the email used at checkout or the payment provider order reference, purchase date, package purchased, and a short reason.
We acknowledge within 2 business days and, once verified, initiate the refund within 5–10 business days. Refunds return to the original payment method; the time to appear depends on your issuer (usually 3–10 business days).
Payments for the Service are collected by a payment provider acting as Merchant of Record, which holds the order record and the refund channel. A refund may therefore need to be completed together with their support team; we will help follow up.
When a refund is completed, the corresponding unlock entitlement is withdrawn.
Questions about this policy, or to exercise your data rights, email kris.188h@gmail.com. We reply within 30 days.
Operated by 黄钰钏 (CalenRef) · Governing jurisdiction: Singapore
This product provides traditional Chinese calendar and cultural reference information for educational purposes only. It is not a fortune-telling, astrology, or spiritual guidance service. No predictions are made. Nothing here is medical, legal, financial, or investment advice. Content is drawn from classical calendrical and folk sources.