CEMarque Refund and Cancellation Policy

Effective date: 19 September 2026
Draft revision: 16 September 2026 — implementation reconciliation
Operator: Ronald D. Coburn, a sole proprietor trading as CEMarque, operating the CEMarque service
Contact: support@cemarque.com
Postal address: 2608 Erwin Rd, Unit 402, Durham, NC 27705, United States

This policy applies to purchases directly from cemarque.com and forms part of our Terms of Service. It explains our voluntary refund promises, subscription cancellation, and how these interact with mandatory rights. A service being described here does not mean it is currently available: the order page must expressly offer it for purchase.

1. At a glance

A full refund includes the amount you paid us for the refunded purchase, including taxes collected on it. We do not deduct our payment-processing costs, an administration fee, or work already performed from a full refund promised here.

2. How to request a refund or cancellation

Email support@cemarque.com with your order number or enough information to identify the purchase. Using your checkout email helps us locate it, but is not a condition of a valid request. If you cannot access that address, we will use proportionate alternative verification. Do not send full card numbers, passwords, or unnecessary identity documents.

You may also use the controls supplied with your order. A Watch subscription can be cancelled at any time through the subscription management link in your welcome email and on the Watch page, which stops future renewal at the end of the paid period. Refund, correction, and withdrawal requests are made by email to support@cemarque.com, by post to the address above, or by any other legally valid method; no particular form or wording is required. Paid purchases are offered to business purchasers only, so no statutory consumer withdrawal period ordinarily applies; where it nevertheless does, the mandatory rights in Section 5 remain available and are not conditioned on using a particular route. We acknowledge a request and its receipt time in a form you can save; an acknowledgment of receipt is distinct from confirmation of billing cancellation or reimbursement.

Tell us whether you want to cancel future renewal only or also request a refund. If your request clearly communicates a wish to cancel or withdraw, you do not need to use a particular phrase or this policy's terminology. We will not require you to accept a retention offer or complete a telephone call.

We aim to acknowledge manual requests within two business days. An acknowledgment or internal approval is not required to preserve a request made within the applicable deadline. For our voluntary refund guarantees, a request submitted through our designated online control or sent to our designated email or postal address before the deadline is timely; keep the submission or dispatch record. For stopping an impending subscription renewal, the receipt rule in Section 4.2 applies. Applicable statutory withdrawal rules take priority over either rule. Online withdrawal submissions receive a confirmation recording the request and its submission date and time.

We calculate our voluntary 7-day and 14-day request periods starting on the day after the relevant payment or delivery. They expire at the end of the final day in the purchaser's local time zone. If we cannot establish that zone, we use a reasonable interpretation favourable to the purchaser. Different statutory calculation rules, including any required extension, remain effective.

3. Attestation Pack

3.1 Full refund before delivery

You may cancel at any time before initial delivery and receive a full refund. This applies whether or not we have started preparing your Pack. You do not have to wait for a delivery deadline or give us an additional opportunity to complete the work.

3.2 Fourteen days after delivery

You may request a full refund for any reason, or without giving a reason, within 14 calendar days after initial delivery. This voluntary guarantee applies to business purchasers as well as consumers. Opening, downloading, or reviewing the documents does not remove it.

After that voluntary period, we do not ordinarily refund a Pack solely because you change your mind. The correction, non-performance, regeneration, billing-error, and mandatory legal remedies in this policy remain available.

The period begins on the day after initial delivery. If delivery is incomplete, inaccessible, or sent to the wrong address because of our error, the period does not begin until we have corrected that delivery problem. Delivery of an incomplete placeholder file does not start the period.

3.3 Delivery and delays

Initial delivery means we have sent the complete document set included in your accepted order to the email address you supplied, as accessible attachments or working download links. We will reasonably assist with a reported delivery failure. A bounced delivery is not completed delivery.

The standard concierge delivery commitment is five business days after we have received payment and the completed inputs reasonably required for your order, unless a different period was expressly agreed before purchase. Any consumer-law restriction on early performance is handled under Section 5, with the adjusted start and delivery dates disclosed before purchase. We identify missing inputs and confirm the delivery date. We do not treat our own processing delays as missing customer inputs.

If we cannot meet the deadline, we will tell you and offer a revised date or a full refund. Your right to a full refund before delivery continues. Agreeing to a new date does not waive mandatory rights or the post-delivery guarantee.

If we cannot proceed because required inputs remain unavailable, we will contact you rather than treating silence as acceptance of an incomplete Pack. If either party ends the order before initial delivery, we refund it in full. An expired download link does not extinguish a timely refund request or an agreed right to retrieve the files; contact us for replacement delivery.

3.4 Defects, missing items, and corrections

If the delivered Pack contains an error attributable to us or omits an item included in your order, tell us what is wrong. We will correct and redeliver it without charge. The correction period is 10 business days beginning on the business day after we receive a report identifying the affected order and issue.

If we have not corrected and redelivered the affected materials within that period, you may request a full refund. You may instead agree to a further correction period; doing so does not waive mandatory remedies. If a defect is serious or applicable law gives you an immediate remedy, you do not have to wait through our correction period. This correction promise is not limited to the 14-day change-of-mind guarantee.

A later change in the law, a change to your product, or an error solely caused by inaccurate information you supplied is not, by itself, a defect attributable to us. The included regeneration service may nevertheless cover an update. We remain responsible for errors in our own work and for failing to use information you accurately supplied.

3.5 Regeneration and refunds

The Pack includes regeneration for the same product for 12 months after initial delivery, as described in the Terms. Regeneration does not restart the voluntary 14-day refund period for the original purchase. Defect remedies and mandatory rights still apply to regenerated documents.

A regeneration request submitted within the included period remains eligible even if our work is completed after the period ends. A partial refund or price reduction does not automatically end your licence to retained deliverables or unrelated purchased services. The refund confirmation identifies what, if anything, ends.

If we permanently discontinue the included regeneration service before that period expires, we will offer a reasonable equivalent service at no additional cost with your agreement, or an appropriate refund for the unprovided part. Where that failure substantially defeats the purchase's purpose, you may request a full refund. Any greater mandatory remedy prevails.

3.6 Effect of a full Pack refund

Future preparation, regeneration, and support included in the refunded purchase end. Except to the extent mandatory law provides otherwise, the licence to use the refunded CEMarque-authored deliverables for new commercial purposes ends when the full refund is issued. You may retain copies needed for legal records, audit trails, or evidence of past transactions, and need not remove materials already lawfully lodged with authorities. Your own inputs, underlying facts, and rights in public legal texts remain yours or their respective owners'.

4. CEMarque Watch — Bulletin

Watch is billed monthly; these rules apply to monthly subscriptions, and to an annual subscription only if one is expressly offered and selected. “Paid period” means the month or year covered by the relevant charge. A full refund means the amount actually paid for that charge, including relevant collected tax; an annual payment is not treated as a single month for this purpose. Ordinary cancellation does not create an automatic refund for unused months of an annual plan, but the guarantees, service-failure remedies, and mandatory rights below still apply.

4.1 First payment guarantee

Within 14 calendar days after your first subscription payment, you may request a full refund of that payment without giving a reason. Receiving or opening a bulletin does not disqualify you. A refund under this guarantee also cancels the subscription and stops further paid delivery and renewals. You may retain editions already lawfully received for your internal records.

4.2 Cancellation of future renewal

You may cancel future renewal at any time through the cancellation link supplied with your subscription or by emailing support@cemarque.com. We will confirm the effective date and stop future renewal charges. If your cancellation reaches us before a renewal but a charge nevertheless processes, we will refund that charge.

Unless you request an immediate stop or receive a refund ending the current period, you remain entitled to the editions due during the paid period. We do not ordinarily prorate unused time merely because you cancel. This rule does not limit statutory withdrawal, remedies for our failure to provide the service, billing corrections, or the guarantees in this policy.

Unsubscribing from promotional emails does not cancel a paid subscription. Using a control expressly labelled to stop the paid Watch bulletin also cancels its future renewal. We will clearly distinguish these controls and will not knowingly continue billing you after you have requested cancellation of the paid bulletin.

4.3 Accidental renewal

If you report an accidental renewal within seven calendar days after payment and we have not delivered an edition for the renewed period, we will refund that renewal in full and end the subscription. Outside this voluntary exception, statutory rights, billing-error remedies, and service-failure remedies still apply.

For this exception, “delivered” means the complete edition was sent successfully to your nominated address or made available through an agreed delivery method. A failed or bounced send does not count. Opening an email is not required to establish delivery, and we do not require tracking pixels to determine eligibility.

4.4 Failure to provide the paid service

If a scheduled edition is missing, contact us so we can investigate and redeliver it. A delay caused by us does not erase your entitlement. If we cannot supply the promised service within a reasonable time, we will provide an appropriate refund for the unprovided part. If we discontinue Watch, we will stop billing and refund prepaid, unprovided service. A credit or replacement period is optional and requires your agreement.

For closure or termination by us during a paid period, the refund is at least the share of the subscription price, including relevant collected tax, corresponding to the remaining unused calendar days. For an unprovided edition, we take account of its share of the editions promised in that period. We explain the calculation and do not count the same loss twice. If our failure substantially defeats the purpose of the period's purchase, you may request a full refund for that period. A greater statutory remedy always prevails.

The publication schedule in your order determines what is due. Watch is regulatory information, not a continuous incident-monitoring or regulatory-reporting service.

5. Consumer withdrawal and mandatory remedies

Our services are intended for business use. However, your legal status depends on the circumstances of the purchase, not simply a statement in our Terms.

If EU, EEA, UK, or other consumer law applies, you retain its mandatory rights. For covered EU/EEA/UK online service or digital-content purchases, the ordinary withdrawal period is 14 calendar days from contract conclusion, subject to applicable rules, including extensions where required information was not provided.

We do not use a waiver of withdrawal rights for the consumer purchases covered by this policy. The rules for starting a service and for supplying digital content are different:

• For a service, where an express request is legally required before we begin during the withdrawal period, we obtain that request separately. We do not ask you to acknowledge losing withdrawal rights when the service is completed. Without the required early-start request, work begins after the withdrawal period ends, and the disclosed service-delivery timetable runs from that permitted start, once payment and required inputs have been received.
• For digital content, where the law permits early supply only with express consent and acknowledgment of losing statutory withdrawal rights, we delay supply until the applicable withdrawal period ends. A general request to start a service is not used as a substitute. The first delivery and paid-service start dates are disclosed before purchase; we do not consume paid subscription entitlement during a mandatory delay.

The applicable treatment depends on what is actually supplied, not merely whether a document is emailed or a product is labelled a service. These rules do not delay business purchases to which no consumer withdrawal period applies.

Ordering or receiving an output is not, by itself, treated by us as a waiver. If you validly withdraw, we do not deduct a proportionate charge for work or delivery during that period. If our error causes early digital delivery, we do not use that error to deny your applicable refund or withdrawal rights.

Our voluntary guarantees may provide longer protection, including the Pack guarantee measured from delivery. They supplement rather than replace rights concerning satisfactory performance, conformity with the contract, correction, price reduction, termination, and reimbursement. The listed exceptions to our ordinary no-proration rule are not an exhaustive statement of statutory remedies.

To exercise withdrawal, send an unambiguous statement before the applicable deadline. You can use the online function described in Section 2, email, post, or the optional form below. You do not need our agreement before exercising a valid withdrawal right.

Optional withdrawal form

Use this form only if you wish to withdraw. Equivalent wording is acceptable.

• To: Ronald D. Coburn, a sole proprietor trading as CEMarque, 2608 Erwin Rd, Unit 402, Durham, NC 27705, United States, support@cemarque.com
• Statement: I/We give notice that I/we withdraw from my/our contract for the following service or digital content:
• Service or order number:
• Ordered on:
• Name of consumer(s):
• Address of consumer(s):
• Email for confirmation:
• Signature of consumer(s), only if submitted on paper:
• Date:

Delete whichever of “I/We” and “my/our” does not apply.

6. Refund method and timing

We issue refunds without undue delay and, for refunds due under this policy, no later than 14 calendar days after receiving the qualifying cancellation or refund request. A shorter mandatory deadline takes priority. Internal approval does not restart the clock.

If we cancel an undelivered order, discontinue prepaid service, or identify a duplicate or otherwise incorrect charge that we must return, we initiate the corresponding refund without requiring a separate request. We do so without undue delay and within 14 calendar days after the cancellation or discontinuation takes effect, or after we identify the billing error, respectively. An earlier deadline arising from your request or applicable law still takes priority.

Refunds use the original payment method unless you expressly agree to a lawful alternative. We do not charge you a refund fee. If the original method cannot receive the refund, we will arrange a secure alternative with your express agreement and without additional fees to you. We do not substitute store credit without your agreement.

If a purchase included a discount or credit, a refund returns the actual amount paid for the refunded purchase, including applicable tax adjustments. A partial refund does not revoke a discount on a separate item unless that condition was clearly disclosed and lawfully agreed before purchase. We provide a refund confirmation identifying the order, amount, currency, and initiation date, plus any resulting subscription cancellation.

After initiation, a card refund usually appears within five to ten business days, depending on the payment provider and bank. This is an estimate of bank processing, not an extension of our deadline to issue the refund. A pending or failed refund, including one held because our payment-processing balance is insufficient, is not described as completed repayment. We monitor its status, address funding or processing problems promptly, and help trace a delayed or failed refund. A payment-provider status does not remove our obligation to reimburse you within the period required by applicable law.

We refund the transaction currency and amount owed. An independent bank's currency conversion or separately imposed charges may affect the amount shown in your account; this does not reduce our obligation to return the amount due from us.

7. General provisions

“Calendar days” includes weekends and holidays. “Business days” means Monday through Friday, excluding US federal holidays. We do not use these definitions to shorten any mandatory statutory period or extension.

You do not have to surrender payment-provider dispute rights to request a refund. Where a chargeback or another refund is already pending, we will coordinate its resolution to avoid duplicate reimbursement without delaying any mandatory remedy.

The policy supplied with your accepted order governs that purchase. Later policy changes do not retrospectively reduce your rights. If an offer supplied with your order expressly gave you a more generous refund promise, we will honour it.

Questions or requests: support@cemarque.com.

Questions about this page: support@cemarque.com. See also: Terms of Service · Refund and Cancellation Policy · Privacy Notice.