1. What this Policy covers

This Policy covers refunds for coin packages bought in the Dragon Raja One coin shop. Coins are digital goods. Prices are in US dollars (USD) and payment is by card (through Stripe) or PayPal, processed by [OPERATOR NAME - AUSTRALIA] (ABN [ABN]). For card purchases, Stripe may act as the reseller (merchant of record) and may appear on your receipt.

Nothing in this Policy limits your rights under the Australian Consumer Law, the Korean Act on Consumer Protection in Electronic Commerce, or any other consumer law that applies to you.

2. Cancelling within 7 days (coins not yet collected)

• You may cancel a purchase and receive a full refund within 7 days of payment if the coins are still in your Account Box and have not been collected in the game.
• Once coins have been collected into the game, their supply has started and they are treated as used. Collected coins cannot be cancelled under this section. We show this before you pay and in the Account Box.
• If coins were not delivered, or are different from what was described or advertised, you may cancel within 3 months of delivery, or within 30 days of when you found out or could have found out, whichever is earlier, even if you have collected them.

3. Australian Consumer Law

Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. For a major failure with the service, you are entitled to cancel and receive a refund for the unused portion, or compensation for its reduced value. You are also entitled to choose a refund or replacement for major failures with goods. If a failure does not amount to a major failure, we will fix it within a reasonable time, and if we do not, you may be entitled to a refund. These rights apply whether or not your coins have been collected.

4. Other refunds

Apart from sections 2 and 3, coins that have been collected or used are generally not refundable, except where the law requires a refund. Coins lost because of a suspension or ban for breaking the Terms of Service are not refunded, except where the law requires it. If the Service ends, we will refund or otherwise compensate unused paid coins as the law requires.

5. How to request a refund

1. Use the contact form on this website or email [CONTACT EMAIL].
2. Include your account ID, the order date, the coin package and the reason for the request.
3. We may ask for more information to confirm that the request comes from the account owner.

6. What happens to your coins

• If the coins have not been collected, we withdraw them from your Account Box when we approve the refund.
• If the coins have already been collected, and a refund is made because the law requires it, we may review the account and remove the refunded coins, or items bought with them, from the account.
• If you dispute a payment or ask your bank or PayPal to reverse it (a chargeback) after the coins have been collected, the account is put on hold while the dispute is open: it cannot log in to the game or the website and cannot buy coins. We give the payment provider the order and delivery records. If the dispute is withdrawn or decided in our favour, we lift the hold.

7. Processing time and fees

• We aim to answer refund requests within 3 business days. Approved refunds are made to the original payment method (card or PayPal account) in USD.
• It may take several business days, depending on your bank or PayPal, for the refund to appear.
• We do not charge a fee for refunds and we do not deduct payment-provider fees from refunds that the law gives you a right to. Any exchange-rate difference or foreign transaction fee charged by your own bank or card issuer is outside our control.

8. Chargebacks and payment disputes

Please contact us before opening a chargeback or a PayPal dispute, so that we can resolve the problem quickly. If a chargeback or dispute is opened, we will withdraw the coins concerned, and we may temporarily restrict the account while the dispute is open. If a chargeback is found to be fraudulent or abusive, we may take measures under the Terms of Service. This does not affect your rights under the law or under your card issuer's or PayPal's rules.

9. Help with disputes

If we cannot resolve a refund problem, you may contact a consumer body where you live, for example the Australian Competition and Consumer Commission or your state or territory fair trading office in Australia, or the Korea Consumer Agency in Korea.

10. Contact

• [OPERATOR NAME - AUSTRALIA] (ABN [ABN]) / [OPERATOR NAME - KOREA] (Business registration number [KOREAN BUSINESS REGISTRATION NUMBER])
• Address: [BUSINESS ADDRESS]
• Email: [CONTACT EMAIL]

Draft notice: This is a draft prepared for review by a lawyer. It is not final and should not be relied on until it has been reviewed.