Refund Policy.

1. Digital products

• Files unlock as soon as payment is confirmed, so digital products are generally not refundable once delivered.
• You are entitled to a fix or a refund if the file is broken or won’t open, is not what the product page described, or was never delivered after a confirmed payment.
• Creators should fix the problem or refund within 7 days of a valid request.

2. Physical items

• If an item arrives damaged, is the wrong item or never arrives, contact the creator within 7 days of the expected delivery date, with photos where possible.
• The creator will offer a replacement, a return or a refund. Return shipping for a creator’s mistake is paid by the creator.
• Change-of-mind returns are up to each creator; check the product page.

3. How to ask for help

• First reply to your order email or message the creator.
• If the creator doesn’t respond within 3 days, open My purchases and use “Report a problem” on the order. CartKo will follow up with the creator.
• Creators who repeatedly ignore valid requests may have their page paused.

4. How refunds are paid

• Refunds go back through the method you used, or another method you and the creator agree on.
• CartKo does not hold buyer payments, so it cannot reverse GCash, Maya, InstaPay or bank transfers itself. For PayPal payments you may also be covered by PayPal’s own buyer protection.

5. Creators’ own policies

Creators may offer more generous terms on their product pages. They may not offer less than this policy.