Returns & Refunds Policy

Effective date: 1 November 2025 · Last updated: 22 September 2026

This policy covers everything you buy as a consumer through our checkout: the Financial Literacy Course, the Digital Estate Organiser, Axion Clarity, and any other download or one-off service we add later. Everything it covers is a one-off purchase, with nothing that renews; if we ever sell a subscription through this checkout, this page changes first.

Some things we sell are not bought through this checkout, so this page does not cover them. Website builds, website care plans and AI Business Agents are agreed with you directly before any work starts, including how each is paid for and how it ends. Website care plans are a rolling monthly payment that you can cancel with 30 days’ notice. Axion Wild Pro, the optional subscription in the Axion Wild app, is bought in that app rather than here. For a question about any of them, email us. None of this affects your legal rights.

What changed on 22 September 2026. Until then, our checkout did not ask you to give up your 14-day right to cancel a download, so you kept it even after downloading. From 22 September 2026, the checkout asks you to confirm that you want your download straight away and that your right to cancel ends once it is available to you. That gives new buyers less than before, so we are saying so here rather than letting it slide past. If you bought before 22 September 2026, nothing changes for you: see If you bought before 22 September 2026 below.

Downloads: your right to cancel

Your download is ready the moment you pay, and a download cannot be handed back. So before you pay, the checkout asks you to tick a box that reads: “I want immediate access to my download or licence key. I understand that my 14-day right to cancel ends once it is available to me.” Ticking it gives your express consent to immediate supply and your acknowledgement that you lose the right to cancel once supply begins, which the law allows for digital content that is not on a physical medium (EU Consumer Rights Directive, Article 16(m); UK Consumer Contracts Regulations 2013, regulation 37).

Your download email settles whether that applies to your purchase. By “your download email” we mean the email we send you with your download link, not a card or payment receipt. If it confirms that you asked for immediate access, your right to cancel ended once your download was available. If it does not confirm that, or we did not send you one, your 14 days stand: you can cancel within 14 days of buying, for any reason, and get all your money back, even after downloading.

What the tick-box does not touch: if anything is faulty, will not open, or is not what we described, we put it right or refund you. That comes from law, it cannot be waived, and it is set out in full below.

If you bought before 22 September 2026

You keep the 14 days we promised when you bought: 14 days from the day you bought, for any reason, with all your money back, even if you have already downloaded and read the files.

If you bought before 25 August 2026, your window is longer. The version of this policy you bought under told you there was no right to cancel. Because of that, your 14 days never properly started, and your window to change your mind runs for up to a year and 14 days from the day you bought. If that is you, ask, and we will honour it on the same terms as any other purchase made before 22 September 2026.

The right to cancel is a consumer right, so this is about people buying for themselves. If you are buying for a business, a school or any other organisation (including our group and classroom licences), it does not apply automatically. Talk to us first and we will agree terms in writing.

If something is wrong with what you bought

This is separate from the right to cancel above. It covers every download, whenever you bought it and whatever you ticked at checkout, and it lasts much longer.

If a product is faulty, will not open, does not do what we said it does, or is not what we described, tell us. You choose whether you want it fixed or replaced, and we will only say no to the one you pick if it is impossible or costs us wildly more than the other. If a fix or a replacement does not sort it out, or we cannot do it in a reasonable time without a lot of inconvenience to you, you can have some or all of your money back. That right comes from law, it cannot be signed away, and nothing on this page or anywhere else on this site reduces it.

How long does that last? Longer than most people expect. If you bought as a consumer in the UK, you have six years from your purchase to bring a claim (five in Scotland). Anywhere else, count on at least two years from the day we delivered your files. In practice: if something we sold you is broken, tell us when you find out and we will deal with it.

If you never received your files, or you were charged twice, or charged in error, tell us and we will refund you in full.

Some products need a particular device or operating system. We publish the requirements on the product page. Please check them before you buy. If a product will not run on a set-up that matches those published requirements, that is a fault and everything above applies in full. If your set-up does not match them, we would still rather help than argue: email us and we will do what we reasonably can. If you still have your 14 days (see above), you can also cancel and get your money back either way.

Paid consultations

Paid consultations are booked through our scheduling page, and the rules are short.

Reschedule free of charge, using the link in your booking confirmation, up to 24 hours before the call.
Cancel before the call takes place and your payment is refunded automatically, to the card you paid with. There is nothing to fill in.
Once the call has taken place, or if you do not attend it, it cannot be refunded. When you book, you ask for the call to take place within the 14-day cancellation period and confirm that you understand your right to cancel ends once it has happened.

The free 15-minute call costs nothing, so there is nothing to refund.

How to ask

Email hello@oneaxion.com, or just reply to your order email: it reaches the same inbox. There is no refund form and no set of words you have to use. If something is wrong, tell us what. If you still have a right to cancel, “I want to cancel my order” is enough. Tell us the email address you bought with and roughly when. A real person reads every message. Someone from One Axion will usually reply within one or two working days. If you would rather use the contact form, it works too, though it asks for more than we need.

Model cancellation form

This is for anyone who still has a right to cancel. You do not have to use it (an email saying you want to cancel is enough), but the law says we have to make it available, so here it is. Copy it, fill it in, send it to hello@oneaxion.com.

To One Axion (Philip Neil), hello@oneaxion.com:
I hereby give notice that I withdraw from my contract for the supply of the following digital content: ______
Ordered on: ______ · Name: ______ · Address: ______ · Date: ______

Refunds go back to the way you paid: if you paid by card or a wallet, that is where it goes. We send refunds within 14 days of you asking, usually much sooner; your bank may take a few days more to show it.

Licensing Terms

When you buy a digital product you get a personal licence to use it. It is yours to keep and use, for yourself. It ends only in two cases: if we refund you, or if you break the restrictions below.

You may:

Use it yourself and with your household, on as many of your own devices as you like.
Fill it in, edit it, restructure it and adapt it for your own use: that is what the editable Word version of the Digital Estate Organiser is for. Print it. Hand your completed copy to your solicitor, executor or family.

You may not:

Share, sell, publish or redistribute the files, or your adapted version of them.
Use them to run a business or a class, for example handing them to clients or teaching from them. That needs a separate licence, so talk to us; we are straightforward about it.

One Axion keeps ownership and copyright in the materials themselves. What you write into them is yours.

What happens to your files

When we refund you, your licence to use the files ends and you should delete them. To be straight about it: we do not switch your download link off, and we have no way to reach the copy on your device. We are not going to chase you. You should just know that is the deal.

Who you are buying from

One Axion is a trading name of Philip Neil, a sole trader in the Republic of Cyprus. Email hello@oneaxion.com. Telephone +357 97 481 750. Prices are in euro. Nothing in this policy affects your legal rights as a consumer.

Anything else

Broken link, file that will not open, question about any of this: email hello@oneaxion.com or use the contact form. There is no ticket system and no account area: just email, read by a person.