Refunds & withdrawal rights
Plain-language summary, not legal advice — last updated 2026-08-16.
XRaydium’s storefronts say “refunds handled honestly.” This is the policy that phrase points at. It is operated by NorthPoint Marketing Solutions Oy.
Lapinlahdenkatu 16, 00180 Helsinki, Finland
How to request a refund
- 01 · Contact the creator. The contract for the item is between you and the creator, so start there. Your receipt email names them and the item you bought.
- 02 · If that does not work, contact us. Write to hello@xraydium.com with the creator’s handle, the item, and roughly when you bought it. We will look at it.
- 03 · The money comes back the way it went out. Refunds are processed through Stripe to your original payment method. How quickly it lands is up to your bank or card issuer.
What a refund does to the creator’s numbers
A full refund marks the sale as refunded and removes it from the creator’s earnings, so nobody is looking at a number that includes money already returned. A partial refund is recorded against the sale without removing it. This is deliberate: honest earnings beat flattering ones.
Memberships and cancellation
A membership renews monthly until it is cancelled. You can cancel it yourself from your account page — sign in with the email you used at checkout and cancel there. You can also contact the creator or write to us. Cancelling stops future renewals: you keep access for the period you have already paid for, and you are not charged again. Cancellation does not by itself refund the period already running; ask if you think it should.
Your statutory right of withdrawal (EU / UK)
As a consumer buying at a distance you normally have 14 days to withdraw from a purchase without giving a reason. Digital content works differently: by starting a purchase on XRaydium you ask for the content to be supplied immediately and acknowledge that you therefore lose the 14-day right of withdrawal once supply begins. Because products and membership access are made available right after payment, that is what usually happens.
Where content has not yet been supplied — for example a membership period that has not started — the 14-day right still applies, and you can exercise it by writing to hello@xraydium.com. None of this affects your rights when something is faulty, is not as described, or is never delivered — those rights cannot be waived, and the refund route above is the way to use them.
Frequently asked questions
- How do I request a refund?
- Contact the creator you bought from first — the purchase is a contract between you and them, and they can usually resolve it fastest. Your receipt email names the creator and the item. If you cannot reach them or you are not getting anywhere, write to us and we will step in.
- How is the money returned?
- Every refund is processed through Stripe and returned to the original payment method used at checkout. We cannot send it anywhere else. Once Stripe issues the refund, the time it takes to appear depends on your bank or card issuer.
- What happens to the creator's earnings?
- A full refund flips the sale to 'refunded' and it drops out of the creator's earnings — the numbers a creator sees stay honest rather than counting money that came back to you. A partial refund is recorded against the sale without removing it.
- How do I cancel a membership?
- Cancel it yourself from your account page: sign in with the email you used at checkout and cancel the membership there. Cancelling stops future renewals; you keep access for the period you have already paid for, and you are not charged again. You can also contact the creator or write to us. Cancelling is not the same as a refund — see the refund route above for that.
- Do I have a right to change my mind?
- If you are a consumer in the EU or UK, you normally have 14 days to withdraw from a distance purchase. Digital content is the exception: when you ask for it to be delivered immediately and acknowledge that this ends your withdrawal right, that right is lost once delivery starts. When a creator delivers instantly — for example an automatic download link shown right after payment — that right ends once supply begins; when a creator fulfils by hand after payment, supply has not yet started, so the 14-day right still applies until they deliver — and either way the refund route above is how you raise a problem.
Everything sold on XRaydium is a straightforward fiat purchase of digital content — never an investment, token, or yield product. Plain-language summary, not legal advice — last updated 2026-08-16.