1. General Provisions
Latorka OÜ, an Estonian company registered under number 16938688, headquartered in Tallinn (hereinafter "the Company"), operates an online store selling digital books related to trading. By making a purchase through our website, you agree to the terms outlined in this Refund and Withdrawal Policy.
2. Products
Our website offers forex trading e-books available for purchase and download in various formats (PDF, ePub, MOBI, etc.).
3. Purchase Process
To purchase books on our website, you must select a product, add it to your cart, and place an order. Once payment is confirmed, you will be given access to the product for download.
4. Payment
Payment for products on our website is made through the Stripe payment system. We accept payments using credit cards, debit cards, and other methods supported by Stripe.
5. No Refunds on Digital Products
All sales of digital books are final. Due to the nature of digital goods, once a book has been delivered to your email, it is considered used and cannot be returned, refunded, or exchanged under any circumstances.
By completing a purchase, you acknowledge and agree that:

• You waive any right to request a refund or chargeback after receiving the digital book.
• Digital books are not eligible for return, even if they were not downloaded or accessed.
• You are responsible for providing a valid email address, and the Company is not liable for non-receipt due to incorrect email submission.

6. Chargeback and Dispute Prevention

• By purchasing from our website, you explicitly waive your right to file chargebacks, disputes, or claims through your payment provider, including Stripe, PayPal, or any credit card issuer.
• Any attempt to dispute a charge after receiving the digital product is considered fraudulent and may result in legal action and reporting to financial institutions.

7. Technical Issues and Re-Delivery
If you do not receive your purchased book due to technical issues (e.g., email delivery failure), you must contact info@latorka.com within 7 days of purchase. We will verify your order and resend the book if necessary.
8. Disclaimer
We are not responsible for any losses incurred by the user as a result of using the materials from the site, including financial losses or errors in forex trading.
9. Legal Compliance and Consumer Rights Waiver

• As a digital content provider, the Company complies with the EU Directive on Consumer Rights, which allows sellers to exclude the right of withdrawal for digital products once the delivery has begun.
• By making a purchase, you expressly waive your right to file complaints with any consumer protection agencies, regulatory bodies, or legal institutions concerning refund claims.

10. Changes to the Policy
Latorka OÜ reserves the right to modify this policy at any time. Any updates will be posted on our website, and continued use of our services constitutes acceptance of the revised terms.
For further inquiries, contact us at: info@latorka.com.
Effective Date: 01.01.2025