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ZC NFC Refund & Digital Product Policy

Last Updated: October 4, 2026

This Refund & Digital Product Policy applies to purchases of digital products, educational materials, business blueprints, guides, templates, downloadable resources, supplier information, scripts, member resources, community access, and other digital content offered by ZC NFC (“ZC NFC,” “we,” “us,” or “our”).

By completing a purchase, the customer (“you” or “purchaser”) acknowledges that they have reviewed and agreed to this Refund & Digital Product Policy together with the applicable Terms of Use.

1. DIGITAL PRODUCTS ARE GENERALLY FINAL SALE

Because our digital products provide access to proprietary information, business methods, educational materials, supplier information, templates, resources, and other content that can be viewed, copied, learned from, or used immediately after access is granted, purchases are generally final once the purchased digital access has been successfully delivered.

This policy does not limit or waive any right or remedy that cannot legally be waived under applicable Philippine law.

2. WHEN A REFUND MAY BE PROVIDED

A refund may be approved where one of the following circumstances is verified:

Duplicate Payment. You were unintentionally charged more than once for the same purchase.

Failure to Deliver Access. Payment was successfully received, but ZC NFC failed to provide the digital product or purchased access and is unable to restore or provide such access after a reasonable opportunity to correct the issue.

Material Product Non-Conformity. The digital product received is materially different from the product or access that was expressly represented at the time of purchase, and ZC NFC is unable to reasonably correct the issue.

Technical Defect Attributable to ZC NFC. A material technical problem attributable to ZC NFC prevents you from accessing the purchased product and the problem cannot reasonably be resolved by restoring, repairing, replacing, or otherwise correcting your access.

Refund Required by Law. A refund or other remedy is required under applicable consumer-protection or other mandatory law.

Nothing in this Policy removes any remedy that you are legally entitled to receive.

3. CIRCUMSTANCES THAT GENERALLY DO NOT QUALIFY FOR A REFUND

To the fullest extent permitted by law, refunds will generally not be provided merely because:

  • You changed your mind after purchasing.
  • You decided that you no longer want the blueprint or digital product.
  • You purchased the product accidentally but successfully received access.
  • You did not use, read, download, implement, or complete the materials.
  • You do not have enough time to use the product.
  • You expected different personal, financial, sales, business, social-media, or other results.
  • You did not make sales or earn money after using the information.
  • You were unable or unwilling to follow or implement the strategies taught.
  • You already knew some of the information contained in the product.
  • You later found similar information, products, suppliers, methods, or strategies elsewhere.
  • You found a cheaper product elsewhere after purchasing.
  • You disagree with a strategy, supplier, recommendation, method, or business model after purchasing.
  • A third-party supplier changes its prices, policies, products, shipping terms, availability, or business operations.
  • A third-party service or platform changes its features, policies, algorithms, rules, pricing, or availability.
  • Your personal device, software, internet connection, browser, or other equipment prevents access where ZC NFC's service itself is functioning properly.
  • You failed to review information that was clearly disclosed on the sales page, checkout page, FAQ, or product description before purchasing.
  • You later decide that the product is not suitable for your personal circumstances.
  • A promotional price, discount, bundle, or lower price becomes available after your purchase.
  • You purchased the product but later decided to pursue a different business opportunity.

Lack of financial results alone does not establish that the product is defective or materially different from what was advertised.

4. NO INCOME OR RESULTS GUARANTEE

ZC NFC provides educational information, resources, systems, examples, and business-related materials.

Purchasing the blueprint does not guarantee any particular:

  • income;
  • profit;
  • number of customers;
  • number of sales;
  • business growth;
  • social-media views;
  • followers;
  • leads;
  • conversion rate; or
  • financial result.

Individual results vary based on factors including effort, location, market conditions, execution, pricing, competition, skill, demand, business decisions, and circumstances outside ZC NFC's control.

Testimonials, examples, sales demonstrations, revenue examples, or case studies are illustrative and are not promises that every purchaser will achieve the same outcome.

A customer's failure to achieve an expected financial result is not, by itself, grounds for a refund.

5. ACCESS DOES NOT HAVE A SCHEDULED EXPIRATION

Unless a specific offer expressly states otherwise, purchases of the ZC NFC Blueprint include access with no scheduled expiration date.

“No scheduled expiration” does not mean that ZC NFC guarantees that every website, platform, community, feature, third-party integration, file format, supplier, or service will exist permanently.

Access remains subject to:

  • continued operation of the applicable ZC NFC service;
  • applicable laws and regulations;
  • reasonable technical and security requirements;
  • these Terms and related policies; and
  • the purchaser remaining in compliance with the license and access rules.

This should not be interpreted as a promise of the purchaser's lifetime, ZC NFC's lifetime, or perpetual operation of any third-party service.

6. PERSONAL, NON-TRANSFERABLE LICENSE

Purchasing the blueprint gives the purchaser a limited, personal, non-exclusive, non-transferable, and revocable license to access and use the purchased materials for the purchaser's own permitted business or educational use.

Purchase does not transfer ownership of ZC NFC's intellectual property.

Unless ZC NFC expressly provides written permission, the purchaser may not:

  • resell the blueprint;
  • redistribute the blueprint;
  • upload the blueprint publicly or privately for others;
  • share purchased files with non-purchasers;
  • sell copies or substantially reproduced versions;
  • give another person access to their account;
  • share login credentials;
  • share protected download links;
  • distribute screenshots or substantial reproductions of the materials;
  • copy the materials for resale;
  • repackage the blueprint as the purchaser's own information product;
  • create substantially copied or derivative paid products using ZC NFC's proprietary materials;
  • bypass access controls;
  • scrape or systematically extract protected content;
  • allow multiple unrelated persons to use a single-user purchase; or
  • otherwise exploit the materials outside the license granted at purchase.

7. ACCESS REVOCATION FOR POLICY VIOLATIONS

ZC NFC reserves the right, to the extent permitted by law, to suspend or terminate access where there is reasonable evidence of:

  • account sharing;
  • credential sharing;
  • unauthorized redistribution;
  • unauthorized resale;
  • intellectual-property infringement;
  • attempts to bypass access controls;
  • fraudulent activity;
  • payment fraud;
  • abusive use of the service;
  • unauthorized copying or distribution;
  • attempts to compromise the website or its security; or
  • another material violation of the Terms of Use or license.

Where access is terminated because of a purchaser's material violation, such termination does not ordinarily create an entitlement to a refund.

This provision does not affect statutory rights that cannot legally be excluded.

8. WHAT HAPPENS IF A REFUND IS ISSUED

If a purchase is fully refunded:

  1. the purchaser's license to use the refunded product ends;
  2. access to the associated digital product may be terminated;
  3. related download permissions may be disabled;
  4. applicable member/community access associated solely with that purchase may be removed; and
  5. the purchaser must stop using or distributing materials for which the purchase has been refunded, except where applicable law provides otherwise.

A refund does not transfer ownership of ZC NFC intellectual property to the purchaser.

9. REFUND REQUEST PROCEDURE

To request assistance or a refund, the purchaser must contact ZC NFC through the official support contact listed on the website or order confirmation.

The request should include:

  • purchaser's full name;
  • email address used for purchase;
  • order or transaction number;
  • date of purchase;
  • proof of payment where reasonably necessary;
  • clear description of the issue; and
  • supporting screenshots or evidence when relevant.

Providing incomplete or inaccurate information may delay our ability to investigate the request.

For ordinary discretionary refund requests, customers should contact us as soon as reasonably possible and preferably within seven (7) calendar days of purchase or discovery of the relevant issue.

The seven-day request period does not eliminate a consumer right or remedy that applicable law provides for a longer period.

10. ACCESS PROBLEMS MUST FIRST BE REPORTED

If you cannot access your purchase, please contact ZC NFC before assuming that the product was not delivered.

Where appropriate and legally permitted, ZC NFC may attempt to resolve the problem through measures such as:

  • restoring account access;
  • resending an access email;
  • correcting account information;
  • replacing a defective file;
  • repairing a technical issue; or
  • providing the purchased content through another authorized method.

If the underlying problem cannot reasonably be remedied and applicable law or this Policy entitles the purchaser to a refund, the appropriate remedy will be provided.

11. THIRD-PARTY SERVICES

Parts of the blueprint may discuss or rely upon third-party businesses, websites, applications, payment providers, manufacturers, suppliers, social-media platforms, software, or other services.

ZC NFC does not control those third parties.

Their:

  • pricing;
  • inventory;
  • policies;
  • availability;
  • software;
  • algorithms;
  • terms;
  • shipping times;
  • services; and
  • business operations

may change after the blueprint is purchased.

Unless otherwise required by law, a later change by an independent third party does not automatically make the original ZC NFC purchase refundable.

12. SUPPLIER INFORMATION

Where the blueprint provides supplier or sourcing information, such information reflects information reasonably available to ZC NFC when the material was prepared or updated.

ZC NFC does not guarantee that any independent supplier will permanently maintain the same:

  • prices;
  • minimum order quantities;
  • products;
  • shipping fees;
  • delivery times;
  • payment methods;
  • manufacturing specifications;
  • account availability; or
  • business relationship.

Customers are responsible for conducting their own due diligence before entering into transactions with third-party suppliers.

13. PAYMENT DISPUTES AND CHARGEBACKS

Customers are encouraged to contact ZC NFC through its internal support process when a genuine issue arises so that the matter can be reviewed and resolved.

Nothing in this Policy removes a customer's lawful rights through their bank, payment provider, regulator, or applicable dispute-resolution mechanism.

However, deliberately filing a false, misleading, or fraudulent payment dispute after valid delivery of a purchased product may result in suspension of access and ZC NFC may provide relevant transaction, delivery, access, and acceptance records to the applicable payment provider when responding to the dispute.

14. ABUSE OF THE REFUND PROCESS

ZC NFC may investigate refund requests for suspected misuse, including repeated purchasing and refunding for the apparent purpose of obtaining proprietary content without paying for it.

A discretionary refund may be denied where there is reasonable evidence of refund abuse, fraud, redistribution, or other bad-faith conduct.

Mandatory rights available under applicable law remain unaffected.

15. POLICY VERSION APPLICABLE TO YOUR PURCHASE

The Refund & Digital Product Policy presented or incorporated into the transaction at the time of purchase will generally apply to that purchase.

ZC NFC may update this Policy prospectively to reflect:

  • changes in its products;
  • changes in business operations;
  • security requirements;
  • payment-provider requirements; or
  • changes in applicable law.

Material changes will not be used retroactively to improperly remove rights already granted to a customer.

16. SEVERABILITY

If any part of this Policy is found to be invalid, unlawful, or unenforceable, that provision shall be interpreted or limited to the minimum extent necessary to make it enforceable where legally permissible.

The remaining provisions will continue to apply to the extent allowed by law.

17. APPLICABLE LAW AND CONSUMER RIGHTS

This Policy is intended to operate in accordance with applicable laws of the Republic of the Philippines.

Nothing in this Policy is intended to exclude, restrict, or waive a consumer right or remedy that cannot lawfully be excluded, restricted, or waived.

Where this Policy conflicts with a mandatory requirement of applicable law, the mandatory legal requirement will control.

18. CONTACT AND INTERNAL REDRESS

Questions, access problems, complaints, or refund requests should first be submitted through ZC NFC's official customer-support channel shown on the website or purchase confirmation.

ZC NFC will maintain an internal process for reviewing and responding to customer complaints and refund requests in accordance with applicable requirements.

By completing a purchase, the purchaser acknowledges that they have had an opportunity to review this Refund & Digital Product Policy before payment and understand the nature of the digital product being purchased.