Effective date: 3 October 2026
Last updated: 3 October 2026

Thank you for purchasing from Cruise Plan Wise.

Cruise Plan Wise sells digital products that are normally delivered electronically and made available shortly after purchase. Because digital products cannot be physically returned once access has been provided, purchases are generally considered final, except in the circumstances described below or where applicable law gives you a non-waivable refund, cancellation or consumer right.

1. Digital Products

Cruise Plan Wise products may include ebooks, guides, workbooks, printable pages, spreadsheets, calculators, templates, prompt packs, activity products, puzzle books, calendars and digital bundles.

Unless expressly stated otherwise, these products are delivered digitally. No physical product is shipped.

Once a digital product, download link or access method has been supplied, we do not normally provide a refund solely because you changed your mind.

2. When a Refund May Be Available

A refund, replacement file or other appropriate remedy may be considered where:

• You were charged more than once for the same purchase
• You were charged for a transaction you did not authorise
• You received the wrong Cruise Plan Wise product
• The purchased file is corrupted or materially unusable and we cannot provide a working replacement
• You did not receive product access and the delivery problem cannot reasonably be resolved
• The product is materially different from the description shown at the time of purchase
• A refund, cancellation or other remedy is required by applicable consumer law

Where a technical problem can reasonably be corrected by resending access, replacing a file or providing another working copy, we may attempt that solution before issuing a refund.

3. Situations That Normally Do Not Qualify for a Refund

Refunds are not normally provided solely because:

• You changed your mind after receiving access to the digital product
• You decided not to take a cruise
• Your cruise, flight, itinerary or travel plans were changed or cancelled
• You no longer need the product
• You did not read the product description before purchasing
• You purchased the wrong product by mistake where the correct product was clearly identified before payment
• You expected personalised travel-planning, booking or consulting services that were not advertised
• You disagree with advice, policies or decisions made by an independent cruise line, airline, travel provider or other third party
• You do not have software, equipment or a device required by compatibility information clearly shown before purchase
• You failed to download or back up files while access was available
• You simply did not use the product

4. Gumroad Purchases

Cruise Plan Wise currently uses Gumroad for checkout, payment processing and digital-product delivery.

Refunds for Gumroad purchases are processed through the Gumroad platform. Cruise Plan Wise does not issue Gumroad refunds directly through a separate bank, card processor or PayPal account.

Gumroad allows creators to establish their own refund policies, but Gumroad may also issue or manage refunds, chargebacks or payment disputes according to its own terms and policies.

Gumroad may, in some circumstances, issue a refund independently of Cruise Plan Wise, including where required by law, in cases of duplicate or fraudulent charges, or where Gumroad determines that a refund is appropriate under its platform rules.

You can review Gumroad's current refund information at: https://gumroad.com/help/article/51-what-is-gumroads-refund-policy

5. How to Request Help or a Refund

If you believe your purchase qualifies for a refund or another remedy, contact:

support@cruiseplanwise.com

Please contact us as soon as reasonably possible after discovering the issue and include:

• The email address used for the purchase
• The name of the product purchased
• Your Gumroad receipt or transaction reference, where available
• A clear explanation of the problem
• Relevant screenshots or error messages where useful

We may ask for reasonable additional information to verify the transaction and investigate the issue.

6. Refund Processing

If a refund is approved, it will normally be processed through Gumroad using the original transaction.

The time required for refunded funds to appear may depend on Gumroad, the original payment method, your card issuer, bank or other financial institution.

Gumroad states that card refunds commonly take several business days to appear, while timing may differ for other payment methods.

Currency-conversion differences may mean that the amount received in your local currency differs slightly from the original converted amount where exchange rates changed between purchase and refund.

7. Access After a Refund

Where a purchase is fully refunded, access to the refunded digital product may be removed.

You must stop using, sharing or distributing any refunded product where continued access or use would no longer be authorised under the applicable licence.

8. Partial Refunds

In appropriate circumstances, Gumroad may allow a partial refund instead of a full refund.

Whether a partial refund is suitable will depend on the nature of the issue, the product involved and the circumstances of the transaction.

Nothing in this section creates an automatic entitlement to a partial refund.

9. Duplicate and Unauthorised Charges

If you believe you were charged twice for the same product or see a transaction you do not recognise, contact us promptly so that the transaction can be reviewed.

For suspected payment fraud or an unauthorised transaction, you may also need to contact Gumroad or your payment provider.

10. Chargebacks and Payment Disputes

If you experience a problem with a purchase, please contact Cruise Plan Wise before initiating a chargeback where reasonably possible.

Most genuine delivery or product issues can be investigated more quickly through customer support.

Gumroad manages chargebacks and payment disputes for transactions processed through its platform.

Fraudulent, abusive or knowingly false payment disputes may result in restriction of future access to Cruise Plan Wise products where permitted by law.

11. Statutory Consumer Rights

Nothing in this Refund & Cancellation Policy limits or removes consumer rights that cannot legally be excluded.

Depending on your country or region, you may have mandatory rights relating to defective, misdescribed, inaccessible or improperly supplied digital content.

Some jurisdictions may also provide statutory withdrawal or cooling-off rights for online purchases. Digital-content rules vary and may depend on whether immediate delivery was requested, whether access or downloading has begun and whether any required consent or acknowledgement was given.

Where applicable law gives you stronger rights than this policy, those legal rights will apply.

12. Cancellations

Cruise Plan Wise currently sells primarily one-time digital products rather than recurring subscriptions.

A completed one-time digital purchase cannot normally be "cancelled" after delivery simply to reverse the transaction. Any request for a refund will be handled under the sections above.

If Cruise Plan Wise introduces subscriptions or recurring products in the future, the applicable cancellation terms will be disclosed before purchase.

13. Product or Order Cancellation by Cruise Plan Wise or Gumroad

A transaction may be cancelled, reversed or refunded where reasonably necessary because of:

• A failed or reversed payment
• Suspected fraud or unauthorised activity
• A duplicate transaction
• An obvious pricing or technical error
• A legal, regulatory or payment-processing requirement
• Misuse of the product, platform or payment system

Where a transaction is cancelled by us and payment has already been received, any amount due back to you will be handled through the original payment platform where appropriate.

14. Changes to This Policy

Cruise Plan Wise may update this Refund & Cancellation Policy if our products, payment providers, business practices or legal obligations change.

The latest version will be published on this page with an updated revision date.

Changes will normally apply prospectively and will not remove consumer rights already acquired under applicable law.

15. Contact Us

For product, delivery or refund enquiries:

Amit K.
Cruise Plan Wise
India
support@cruiseplanwise.com

For privacy-related enquiries: privacy@cruiseplanwise.com