Refund & Cancellation Policy

Last Updated: September 2026

This Refund & Cancellation Policy applies to digital products, downloadable content, software, source code, repositories, licenses, guides, templates, assets, and other digital products sold through the APEX website.

By completing a purchase, you acknowledge that you are purchasing a digital product and agree to this Refund & Cancellation Policy together with the applicable Terms of Service and License Agreement.

This version applies only to purchases that accept it. Earlier purchases retain the terms and refund promises accepted at purchase. Physical products and booked services have their own cancellation terms. The digital guide included with an APEX Build Review does not remove the session's full-refund promise up to 48 hours before the session.

APEX is a product of Ruben Mouradian / Reznikov Engineering, Israeli business number 317554178, Nelkin 8, Kfar Saba, Israel. Current delivery is browser access for The Closed Loop and a source-code ZIP for the Humanoid Interface; a repository invitation is not included in these offers.

1. Digital Products

APEX products are digital products and may include, among other things:

* Digital guides, eBooks, PDFs and educational materials * Downloadable files and digital assets * Source code * Private repository access * Software components * UI components * 3D or visual assets * Documentation * Creator, Commercial or Studio licenses * Updates or other digital resources included with the purchased product

No physical product is shipped unless expressly stated otherwise.

2. Immediate Digital Delivery

Digital products may be supplied immediately after payment.

Delivery may occur through:

* A direct download * A download link * An account or customer dashboard * An email containing access instructions * Access to a private repository * A repository invitation * A license key or license credential * Any other electronic method that provides access to the purchased product

Where required by applicable consumer law, you will be asked to expressly consent to immediate delivery of the digital content before delivery begins.

3. Change-of-Mind Refunds

Because digital products can be downloaded, copied, stored or otherwise retained after access has been provided, purchases are generally final once delivery or access to the digital product has begun.

Except where applicable law requires otherwise, APEX does not provide refunds because:

* You changed your mind * You no longer need the product * You decided not to use the product * You purchased the product but did not complete the project for which you intended to use it * You found another product you prefer * You expected functionality that was not included in the product description * You do not have the required technical knowledge, software, hardware or third-party services to use the product * You failed to review the product description, requirements or license terms before purchasing

This policy does not affect any rights that cannot legally be waived under applicable consumer protection laws.

4. Purchases Before Digital Access Has Been Provided

If you contact us before digital delivery or access has begun, we may cancel the purchase and issue a refund.

Once the digital product has been supplied or access has begun, the rules in this Policy regarding digital products apply.

5. Digital Guides and Educational Content

Purchases of APEX Guides, PDFs, eBooks, educational materials, templates or similar downloadable information products are generally non-refundable after access or download has begun, except where a refund is required by applicable law.

Purchasing a guide does not guarantee any particular business, financial, technical or professional result.

The customer is responsible for reviewing the product description and determining whether the content is suitable for their needs before purchasing.

6. Software, Source Code and Repository Products

Products containing software, source code or repository access are licensed, not sold as intellectual property.

Purchasing such a product grants you only the rights provided under the specific license purchased.

Ownership of the underlying source code, software, designs, trademarks, documentation and other intellectual property remains with APEX and/or its respective rights holders unless expressly stated otherwise in writing.

Except where required by applicable law, refunds will not be provided after source code or repository access has been delivered.

For purposes of this Policy, delivery may include providing a download, repository invitation, repository access, account access, source-code archive, license credential or another means of accessing the purchased source code.

7. Creator, Commercial and Studio Licenses

You are responsible for selecting the appropriate license before completing your purchase.

Purchasing one license does not automatically grant the rights included in another license.

If you accidentally purchase the wrong license, contact us as soon as possible.

Where available, APEX may allow you to upgrade to a higher-tier license by paying the applicable upgrade amount.

License downgrades do not normally qualify for a refund after access to the digital product has been provided.

Any license upgrade, downgrade or exception offered by APEX is subject to the applicable License Agreement and applicable law.

8. Defective, Inaccessible or Incorrect Products

The no-refund provisions above do not remove your rights if:

* The purchased product was not delivered * You were charged but did not receive access * The files are corrupted and cannot reasonably be used * The product supplied is materially different from the product that was advertised * A material technical defect prevents the product from functioning substantially as described * Applicable law otherwise requires a remedy

If you experience a problem, please contact APEX support with:

* Your name * Email address used for the purchase * Order number * Product purchased * Description of the problem * Screenshots, error messages or other relevant information where applicable

APEX may first attempt to correct the problem, restore access, replace the affected files or provide reasonable technical assistance.

If the problem cannot reasonably be corrected, an appropriate remedy, including a refund where required, may be provided.

Nothing in this section limits mandatory consumer rights.

9. Compatibility and Third-Party Requirements

Some APEX products may require particular:

* Operating systems * Browsers * Development environments * Frameworks * Software packages * AI services * API accounts * Cloud services * Third-party subscriptions * Hardware * Programming knowledge

Requirements known to APEX will be described on the relevant product page where reasonably applicable.

It is the customer's responsibility to review these requirements before purchasing.

Changes made by third-party platforms, APIs, frameworks, operating systems or services after purchase do not automatically entitle the customer to a refund.

This does not affect rights relating to a product that was materially defective or misrepresented at the time of sale.

10. EU and UK Consumers - Immediate Digital Content

Where you are legally entitled to a statutory withdrawal or cancellation period for digital content, you may be asked during checkout to expressly:

1. Request and consent to the immediate supply of the digital content before the statutory withdrawal period expires; and 2. Acknowledge that once supply of the digital content begins, you may lose your statutory right of withdrawal.

Where these requirements apply and the required consent and acknowledgement have been provided, the statutory withdrawal right may end once supply of the digital content begins, in accordance with applicable law.

If applicable law gives you rights that cannot be waived, those rights remain unaffected.

11. Israeli Consumers

Transactions with Israeli consumers are subject to applicable Israeli consumer protection law.

Certain digital information products may be excluded from ordinary cancellation rights under Israeli law.

Software and source-code products may be subject to different legal treatment.

Nothing in this Policy is intended to waive any mandatory right granted to an Israeli consumer by law.

12. Duplicate Purchases

If you accidentally purchase the exact same product more than once, contact us promptly.

After verification, APEX may refund the duplicate transaction where appropriate.

13. Unauthorized Transactions

If you believe your payment method was used without authorization, contact us immediately.

We may request reasonable information required to investigate the transaction and prevent fraud.

Nothing in this Policy limits rights available through your payment provider or applicable law.

14. Chargebacks and Payment Disputes

If there is a problem with your purchase, we encourage you to contact APEX support before initiating a payment dispute so that we have an opportunity to resolve the issue.

Submitting a chargeback does not automatically terminate or override the applicable License Agreement.

Where permitted by applicable law and the applicable License Agreement, access to a product or license may be suspended or terminated if the corresponding payment is reversed, refunded, charged back or otherwise cancelled.

Fraudulent or abusive chargebacks may also result in suspension of future purchases or services.

Nothing in this section limits any legitimate legal right to dispute an unauthorized, undelivered, defective or otherwise legally disputable transaction.

15. Refund Processing

Where a refund is approved, it will normally be issued to the original payment method.

Processing times may vary depending on the payment provider, bank, card issuer or payment platform.

APEX is not responsible for delays caused solely by a payment provider after a refund has been properly initiated.

16. Mandatory Consumer Rights

Nothing in this Policy excludes, restricts or overrides any consumer right or remedy that cannot legally be excluded or waived.

If the consumer protection laws applicable to you provide greater rights than this Policy, the mandatory provisions of those laws will apply.

17. Governing Law

Except where mandatory consumer protection law provides otherwise, this Policy and transactions with APEX are governed by the laws of the State of Israel.

Nothing in this section deprives a consumer of mandatory protections provided by the laws applicable to that consumer.

18. Contact

For cancellation, refund or purchase-related requests, contact:

APEX Support Email: ruben@reznikov-eng.com Website: https://reznikov-engineering.com

Please include your order number and the email address used for the purchase.