ELECTRONIC DELIVERY • Pertaining to products delivered to you exclusively by electronic means (e-mail). • Refund is subject to a 15% processing fee. • You have not requested installation password(s) Under the above conditions, you may request a refund. If the above conditions are not met, you agree to abide by terms in our license agreement. PHYSICAL DELIVERY • Pertaining to products that were entirely or partially delivered to you by post or courier. • Shipping charges are non-refundable. • Refund is subject to a 15% processing fee. • All the following conditions must be met... 1. License agreement envelope has not been opened 2. You have not requested installation password(s) 3. You have returned software to the address we provide you, and with a RMA number we provide you Under the above conditions, you may request a refund. If the above conditions are not met, you agree to abide by terms in our license agreement.