1. Digital goods notice

CFSBR Data Bank sells digital data products (datasets, dashboards, methodology bundles, and API access). Because these are delivered electronically and can be downloaded immediately, sales are generally final. However, we offer the specific refund rights described below.

2. 14-day satisfaction window

If you purchased a one-time dataset or report and it does not match the description on its catalog page, is materially incomplete, or has a documented quality defect, you may request a full refund within 14 days of purchase. Contact databank@cfsbr.com with your order ID and a short description of the issue.

3. Subscriptions

• You may cancel a subscription at any time from your account. Cancellation stops future renewals; access continues through the end of the paid period.
• We do not refund partial subscription periods once the billing cycle has started, unless required by applicable law.
• If your first subscription charge occurred within the last 7 days and you have not downloaded a substantial portion of the catalog, contact us and we will consider a refund on a good-faith basis.

4. Institutional licenses

Institutional and enterprise licenses are governed by the terms of the signed order form. Refunds, proration, and termination rights for these agreements are handled per that contract; please contact your CFSBR account manager.

5. What is not refundable

• Custom research, bespoke panels, or commissioned datasets once work has commenced, except as specified in the signed statement of work.
• Purchases where the license has been shared, resold, or redistributed in breach of our Terms.
• Purchases requested more than 14 days after the transaction date (outside the window above).

6. How to request a refund

1. Email databank@cfsbr.com from the email address used at purchase.
2. Include your order ID (from the receipt) and the reason for the refund request.
3. Our team will respond within 5 business days.
4. Approved refunds are returned to the original payment method through our payments partner. Bank clearing times may add 5–10 business days.

7. Chargebacks

If you have a concern with a charge, please contact us first — most issues can be resolved quickly and amicably. Filing a chargeback without contacting us may result in account suspension while the dispute is investigated.

8. Your statutory rights

Nothing in this Refund Policy limits any non-waivable consumer rights you have under applicable law, including any statutory right of withdrawal for digital content sold to consumers in your jurisdiction.

9. Contact

Refund questions: databank@cfsbr.com. See also our Terms of Service and Privacy Policy.