Refunds & Cancellations Policy

• Before dispatch: you can cancel any order that hasn't been dispatched yet, at any time, for a full and immediate refund — no reason required, no seller cooperation needed.
• Once dispatched: you can no longer cancel through HoloLedger. If the card hasn’t arrived 7 days after dispatch, or arrives but isn’t as described, open a dispute (see our Dispute Policy).
• Dispute outcomes: a dispute results in either a full refund (100% of the item price, shipping, and the Buyer Protection fee), no refund, or withdrawal by you. There are no partial refunds.
• No structured return-of-card workflow: a successful dispute does not require you to physically return the card.
• Failed or interrupted checkout: if payment fails or is abandoned, no order or charge exists; the reserved stock releases automatically and the listing becomes purchasable again.

Under the Consumer Contracts Regulations 2013, a 14-day statutory cancellation (“cooling-off”) right applies to distance contracts between a trader and a consumer. It does not apply to a genuine consumer-to-consumer (private seller) sale. HoloLedger currently operates as a marketplace for private-individual sellers only — see our Marketplace Terms §2 — which is the basis for the process described above. If you believe a seller is acting as a trader rather than a private individual, please report it — see our Moderation Policy.

Buying from a private seller still gives you legal rights: the card must match the seller’s description, and the seller must not mislead you. Our dispute process is how we help you, but it doesn’t take those rights away.

• a right to cancel before dispatch
• after dispatch, a full refund through HoloLedger comes from a successful dispute (not a “change of mind” return); your other legal rights against the seller are unaffected
• no partial refunds
• no return of the physical card is required for a successful dispute outcome