Refund Policy.

1. What you are buying, and when it is delivered

The Model, The Vault, Command Center and every other Payout Vault product are digital products. Access is granted automatically the moment your payment clears, and the files are available to download immediately after that. There is nothing to ship and nothing to return.

Because delivery is immediate, checkout asks you to agree to the Terms of Sale before payment is taken. By agreeing you expressly request that delivery of the digital content begins straight away, and you acknowledge that once it has begun you lose the 14-day right of withdrawal that EU law otherwise gives a consumer on a distance contract (Article 16(m) of Directive 2011/83/EU; in Poland, art. 38 pkt 13 of the ustawa o prawach konsumenta). If you would rather keep that right, do not complete the purchase.

2. The only refund available

Outside the guarantee below, all sales are final. The guarantee is something I offer on top of the law, not something the law requires of me, and it is conditional on all seven points in section 3. Every one of them, without exception.

It exists for one situation: you did the work in full, honestly, and the material still did not give you a process you can follow. It is not a trial period, and it is not a way to read everything and ask for the money back afterwards.

3. The conditions, in full

A refund is issued only if all seven are true. Missing any single one means the request is declined, and there is no partial refund for partial effort.

• 01 · You ask within 14 days. The request has to reach me within 14 days of the purchase date on your Stripe receipt. Day 15 is too late, whatever the reason, and starting the work on day 13 does not extend it.
• 02 · You finished the material you bought. Every module of your tier, start to end. Not most of them, and not the ones that looked relevant.
• 03 · You applied the model to a live evaluation. A real, funded-account evaluation at a prop firm, traded under that firm’s rules. Backtests, replay sessions and demo accounts do not count, because the whole product is about executing under pressure.
• 04 · You logged at least 10 trades in the Obsidian template. The template ships with the vault. Each entry needs the date, the instrument, which step of the framework triggered it, the outcome, and a chart screenshot from the moment you entered. Ten trades is the floor, not the target.
• 05 · You send the log with your request. Export the notes as a folder or a PDF and attach them. A request with nothing attached is not a request, and I will ask once before closing it.
• 06 · You give the email you bought with. That address is the only thing tying a purchase to a person on this site. A request that names any other address cannot be matched to a payment.
• 07 · It is your first refund here. One approved refund per person, across every product on this site. Buying again after a refund is welcome; a second refund is not available.

4. What does not qualify

• You changed your mind, or bought on impulse.
• You never opened the files, or opened them once and stopped.
• You did the reading but never traded the model on an evaluation.
• You bought one tier and then wanted a higher one. That is an upgrade, not a refund. Every tier you own is credited toward the next one from inside your library.
• You expected signals, calls, coaching or 1:1 mentorship. The sales page and the terms both state that none of that is included.
• You failed an evaluation, lost money, or did not reach a payout. The guarantee is about the work you put in, never about the result you got.
• Your prop firm changed its rules, raised its fees, or closed your account.
• You are past 14 days and have only now got round to it.

5. How to request one

Message t.me/payoutvault on Telegram or email payoutvault@protonmail.com. Start with Refund request, give the email address you bought with, and attach your trade log. Requests are reviewed one at a time, by me, within 5 working days. I may come back with questions about the log before deciding, and the decision is sent to you in writing either way.

Refund requests go through Telegram or email, not by Instagram DM. An Instagram DM is not a record either of us can rely on later, and it is not where I can read a trade log.

6. If it is approved

The full amount you paid is returned through Stripe to the card or account you paid with, usually within 5 to 10 working days depending on your bank. Your access to the files ends at the same time, the licence in section 5 of the Terms ends with it, and you are asked to delete your copy of the material. Refunds are not issued as store credit or as a partial amount.

7. Chargebacks

If something has gone wrong, message me before your bank. A chargeback opened without contacting me first is answered with the purchase record, the delivery timestamp and the access logs, and access is suspended while the bank decides. That is a slower and worse route to the same place for both of us.

8. Your statutory rights

Nothing on this page limits the rights you have by law if the digital content is faulty, missing, or materially different from what was described at the time you bought it. If that happens, the conditions above do not apply and you should simply write to me and say so. This policy forms part of the Terms of Sale.

9. Contact

Refund requests, or anything else: t.me/payoutvault

Effata Core Filip Gajko