Refund Policy
Last updated 19 April 2026
Digital goods — consumer rights
Under Singapore consumer-protection law and most overseas equivalents, digital content you've already downloaded is usually non-refundable. We treat the refund question on substance, not on technicality.
When we refund
- Material mis-scoping. If the report you receive does not match the scope advertised on the product page — e.g. wrong jurisdiction, wrong industry, substantively different topic — we refund in full inside 24 hours of purchase.
- Technical failure. If the PDF fails to generate, the download link never arrives, or the document is corrupt, we refund or replace at your choice.
- Duplicate purchase. Accidental double purchases of the same report are refunded on request.
When we don't
- You read the report and decided it wasn't for you.
- You downloaded and redistributed it.
- The claim is made more than 24 hours after purchase without a clear technical fault.
How to request
Email support@theriskagent.com with your order number and a short note on what's wrong. We respond inside 1 business day. Refunds land back on the original card inside 5 business days of approval.