Refund Policy

[LEGAL COPY PENDING — do not launch. Replace this page with the client's real refund policy. Must confirm the 7-day guarantee window (Docs/01-sections-copy.md SEÇÃO 14) with the checkout platform and align it with UK consumer rights for digital content (Consumer Rights Act 2015 / Digital Markets, Competition and Consumers Act) before this page or the guarantee copy on the main page goes live — this is a launch-blocking item per Docs/04-qa-launch-checklist.md §B.]