Refund Policy.

If you buy research from Blockchain IQ and it isn’t what you needed, write to help@blockchainiq.co within 7 days of the purchase and we will refund it in full.

We don’t require a reason. We’d genuinely like to hear one — it’s how the work gets better — but it isn’t a condition of getting your money back.

Because research is delivered digitally, we can’t ask you to return it, and we won’t pretend otherwise. If you read the whole thing, decided it wasn’t worth what you paid, and asked for a refund inside the window, that is exactly the situation this policy is meant to cover.

Email help@blockchainiq.co from the address on your account, and tell us what you bought and roughly when. That’s all we need.

We aim to reply within two business days and to approve or decline within five. If we decline, we will tell you why in plain language, and you can come back to us about it.

We will decline a refund in a small number of situations:

• After 7 days. Past the window, purchases are final. If you’re just outside it and have a good reason, ask anyway — see section 6.
• Where the research was redistributed. If a report was shared, republished, or resold in breach of our terms, we will decline the refund and may close the account.
• Repeated buy-and-refund. The guarantee exists so you can try the work without risk, not so it can be read for free indefinitely. If an account shows a pattern of it, we may decline and stop selling to that account.
• Because the market moved against you. We refund research you were unhappy with. We can’t refund an investment that lost money — that risk was always yours, and section 2 of the terms explains why.

Approved refunds are issued through Stripe to whatever you originally paid with. If you paid by card, it goes back to that card. If you paid in stablecoins, it goes back as stablecoins to the wallet the payment came from.

We can’t redirect a refund somewhere else — a different card, a bank transfer, or a different wallet. That isn’t a policy choice; the payment rails only run in reverse.

We process approved refunds within two business days. Card refunds then wait on your bank, typically five to ten business days, before they show on your statement. Stablecoin refunds usually land faster, but confirmation time depends on the network. Either way, that last leg is out of our hands.

Refunds are issued in the currency you paid in, for the amount you paid.

If you were charged twice, charged the wrong amount, or see a charge from us you don’t recognize, email help@blockchainiq.co and we will investigate. A genuine billing error gets refunded in full regardless of the 7-day window — that’s our mistake, not a change of mind.

Please come to us before you file a chargeback with your bank. A chargeback typically freezes the amount for weeks and gives us no way to simply hand your money back. We can usually resolve the same problem in a day or two. We reserve the right to suspend an account with an open chargeback until it is resolved.

Stablecoin payments can’t be charged back at all — there’s no bank in the middle to reverse them. If you paid that way and something went wrong, emailing us isn’t the polite option, it’s the only one. We’d rather you knew that before you paid than after.

This policy describes what we commit to. It isn’t a ceiling. If your situation is unusual — you bought the wrong thing, something went wrong on our end, you missed the window for a reason that makes sense — write to us and say so. We would rather do the fair thing than the technically correct one.

Nothing here limits any refund or cancellation right you have under the consumer law where you live. Where that law gives you more than this policy does, it wins.

Refunds, billing questions, or anything that looks off: help@blockchainiq.co.

GJL Digital Investments, LLC · a Wyoming limited liability company