Scope and current status
Paid products are not yet available for purchase on trader-umr.com. The voluntary offer below is a proposal, not an active offer. I will confirm its terms before paid sales begin. Product or checkout terms cannot remove rights that consumer law gives you.
The planned product model is digital delivery rather than physical shipment. That may include Sierra Chart study files, account authorization, license or access provisioning, setup guidance, documentation, and related support attached to a purchase.
Planned 60-day change-of-mind policy
I am considering a voluntary change-of-mind refund window for 60 calendar days from the original purchase date on eligible first-time one-time product purchases.
For those approved change-of-mind requests, the planned refund is 70% of the purchase price, with 30% retained. That retained portion is intended to cover non-recoverable payment costs, immediate digital fulfilment, access provisioning, support/admin time, and the practical reality that digital products can be accessed, copied, or implemented quickly after delivery.
Consumer remedies and the 30% deduction
The proposed 30% deduction applies only to voluntary change-of-mind refunds. I will not apply it to a refund required by law. The proposed 60-day window and voluntary-refund exclusions do not limit your consumer-law rights.
If applicable consumer law entitles you to a refund, replacement, repair or another remedy, I will provide that remedy. This includes rights arising from non-delivery, defects or a product that does not match its description. Where the law lets you choose a refund for a major failure, you do not have to accept a repair first. I will return any duplicate payment in full.
When a voluntary refund may be declined
- The request is made more than 60 days after the original purchase date.
- The order was a renewal, repeat purchase, upgrade, custom service, or another item specifically marked non-refundable.
- The issue is based only on trading losses, trading performance, or unmet profit expectations.
- The issue is caused by unsupported software versions, unsupported feeds, brokers, hardware, or setup choices outside the published requirements.
- Access was terminated because of abuse, redistribution, license sharing, or other terms violations.
What happens when a refund is approved
If a refund is approved, Trader UMR may revoke any product benefits tied to the order. That can include file downloads, license keys, Sierra Chart account authorization, private links, Discord access, GitHub access, updates, or other digital benefits that were granted because of the purchase.
Refunds are intended to go back to the original payment method. Processing times can vary depending on the payment provider and bank. If checkout is handled through Polar or a similar merchant-of-record provider, refund amounts may be issued as full or partial refunds through that system.
Requesting help before a refund
If something is not working, contact me and explain the issue. Asking for support does not waive your consumer-law rights. Include the purchase email, date of payment, what was ordered, and what problem you are seeing. If the issue is technical, screenshots or short screen recordings help speed things up.
Support-first handling matters here because many delivery or setup problems can be fixed faster than a refund or payment dispute, especially for Sierra Chart products tied to install steps, supported versions, account authorization, or missing setup context.
Chargebacks and payment disputes
If you believe there has been a billing mistake, duplicate charge, or failed delivery, make contact first where possible before filing a chargeback. Many issues can be resolved directly and much faster that way. This does not restrict your right to use a lawful payment-dispute process.
Consumer-law rights
Nothing in this policy limits rights that cannot be excluded under applicable consumer law, including mandatory guarantees or refund rights that apply under the Australian Consumer Law or other relevant laws where they cannot lawfully be excluded. Any voluntary change-of-mind offer is additional to those rights.
Changes to this policy
This policy may be revised as the checkout provider, fulfilment flow, product scope, and support process evolve. When changes are made, the date at the bottom of this page will be updated.