Payment and Refund Policy
This Policy explains payment, cancellation, and refund terms for urgent consultation and applicable withdrawal rights.
If a translation conflicts with the Korean version, the Korean version is the reference, subject to mandatory law applicable to the user.
1. Service sold
Paid Orthodox Saju reports are not currently sold. Urgent consultation consists of a 20-minute advance review and a 70-minute private phone consultation for KRW 100,000. A request is not final until the operator confirms both bank transfer and schedule.
2. Information before purchase
Before sales begin, the product name, total price, contents, generation and delivery time, access period, device limits, business details, and cancellation and refund terms must be clearly shown near the payment button and confirmed by the customer.
3. Withdrawal
As a rule, a customer may request withdrawal within seven days from the later of receiving the written or electronic contract information and the start of supply. Any statutory exception must be clearly explained before payment.
4. Digital content
Restricting withdrawal after digital-content supply begins requires statutory conditions such as clear prior notice, separate consent, and an opportunity to trial the content. The current free results and unimplemented payment screen are not treated as satisfying those conditions.
5. Nonconformity or breach
If content differs from its description or advertising, or the contract is not performed, withdrawal may be requested within three months of supply or within 30 days after the customer knew or could have known of the issue.
6. Urgent-consultation cancellation
Cancellation before service begins receives a full refund. If the requested 20-minute advance review has begun, only the objectively delivered portion may be deducted and the balance refunded, without unlawfully restricting withdrawal rights. No undisclosed no-show fee is charged. If the operator cannot provide the service, the user receives a full refund or an agreed reschedule.
7. How to request
Contact answer@luvd.co.kr or +82-2-752-0719 with the applicant name, phone number, scheduled time, depositor name, and request. Identity and payment may be verified only as necessary.
8. Refund timing and method
Refunds are generally returned to the transferring account within three business days after the basis and payment are verified. Statutory late compensation applies to delayed withdrawal refunds. No arbitrary fee is deducted for operator fault or a lawful full refund.
9. Transaction records
Contract or withdrawal records and payment or supply records are retained for five years, complaint or dispute records for three years, and advertising records for six months, segregated from other data and used only for statutory purposes.
10. Policy changes
This Policy will be updated when sales and product terms are finalized, with the effective date and changes announced. Changes adverse to users will follow applicable law.