Refund & Cancellation Policy

Last updated: 2 October 2026

In short: each Plan is digital content created for you and delivered within minutes, so we do not offer refunds for change of mind, for disagreeing with the verdict or recommendations, or once you have received your Plan. If something genuinely goes wrong on our side, we will fix it, and if we cannot, we will refund you. This policy does not affect your statutory rights.

Why we do not offer change-of-mind refunds
Your right to cancel (including UK and EU consumers)
What we will always put right
How to contact us
Chargebacks
Your statutory rights

1. Why we do not offer change-of-mind refunds

Your Plan is researched and written specifically for you as soon as you pay, and you receive the full content immediately. It cannot be "returned". For that reason, we do not refund in situations like these:

You disagree with the verdict, or the Plan recommends changing, delaying or stopping your idea. An honest verdict is the service you paid for.
You prefer different advice, or someone else gives you a different opinion.
You changed your mind, no longer want to start the business, or bought by mistake after confirming your order.
Your results, or how things turn out, differ from the forecasts or targets. These are hypotheses to test, not promises.
You gave inaccurate or incomplete answers.
You have viewed, downloaded, copied or shared the Plan.

2. Your right to cancel (including UK and EU consumers)

Some customers, including consumers in the UK and EU, normally have a 14-day right to cancel online purchases. For digital content, that right ends once supply begins, provided you agreed to this first.

Before you pay, we ask you to tick a box confirming that you want us to start creating your Plan immediately and that you understand you will lose your right to cancel once we begin. We also confirm this in your order email. Your Plan starts being created as soon as your payment is confirmed, so from that point the right to cancel no longer applies.

3. What we will always put right

We stand behind what we deliver. Email us within 14 days of your purchase if:

If this happens	We will
You did not receive your Plan within 24 hours of paying	Deliver it, or regenerate it free of charge
Your Plan is incomplete, for example whole sections are missing or blank	Regenerate or complete it free of charge
A technical fault stops your Plan from opening or being read, on our side	Fix it, or send you the Plan directly
Your Plan contains a clear factual error you can show us (for example, a wrong figure from a source it cites)	Correct that section
You were charged twice or charged in error	Refund the extra charge in full

If we cannot put a genuine fault right within 7 days of you reporting it, we will give you a full refund.

4. How to contact us

Email fahim.latif@cloudhubibi.com with your Plan link (or the email address you used) and a short description of the problem. We aim to reply within 5 working days. Approved refunds go back to your original payment method; banks usually take 5–10 working days to show them.

5. Chargebacks

Please contact us before disputing a payment with your bank, so we can put things right quickly. If a payment is disputed, we will provide your bank with the evidence of your order, including your confirmation before purchase and the delivery of your Plan. We may suspend access to Plans linked to disputed or fraudulent payments.

6. Your statutory rights

Nothing in this policy affects rights you have under the laws that apply to you, including UAE consumer protection law and, for UK consumers, the Consumer Rights Act 2015. Where the law gives you a right to a repair, replacement, re-performance or refund, we will honour it.