Refund Policy

Effective date: July 3, 2026 · Applies to the JOA Digital applications — HogarCare, Reto21, Lumin and EveryLife — in all regions.

Digital products — no refunds after access

Our plans are digital products delivered instantly upon purchase. All sales are considered final once access has been granted or materials have been downloaded. By completing your purchase, you acknowledge that immediate access is provided and that the statutory right of withdrawal does not apply to digital content delivered with your prior express consent.

Exceptions

We may consider a refund at our sole discretion in the following circumstances:

• You were charged more than once for the same product due to a technical error
• You did not receive access within 24 hours of payment confirmation and our support team was unable to resolve the issue
• The product delivered was materially different from the description on the purchase page

How to request a review

If you believe any exception applies, contact us at Contact@joa.business or call +1 (667) 283-7570 within 7 calendar days of your purchase date. Include your full name, the email used at checkout, the app and plan purchased, and a brief description of the issue. We respond within 3 business days.

Chargebacks

Please reach out to us directly before initiating a dispute with your bank or card issuer. Unauthorized chargebacks on completed digital deliveries may result in suspension of access and additional administrative review.