Important: Service and Billing Summary

• Service Description: AI-powered spiritual guidance services, including tarot readings, Lenormand oracle readings, numerology, birth chart analysis, astrological compatibility, and daily horoscopes.
• Contracting Options: The Service is marketed under flexible purchasing options, including one-time single payments and auto-renewing recurring subscriptions.
• Subscription Renewal: For recurring subscription plans, your subscription will automatically renew at the end of each billing cycle (e.g., every 28 days or as specifically displayed during your checkout process) unless cancelled by you prior to the renewal date.
• Pricing & Taxes: Applicable fees are clearly presented on the order screen before purchase completion (€ 9.9, inclusive of all applicable sales or value-added taxes, such as VAT, based on your jurisdiction).
• Cancellation & Support: You may cancel recurring subscriptions at any time via your account settings or by emailing info@aurakosmos.lyzorn.com. To prevent the next scheduled auto-renewal, cancellation requests submitted via email must be received at least 48 hours prior to your scheduled renewal timestamp.

Acceptance, Binding Agreement, and Electronic Signature

By accessing, registering, browsing, or using this Service in any capacity, you agree to be legally bound by these Terms and Conditions in their entirety. If you do not agree with any part of these Terms, you must stop using the Service immediately and refrain from making any purchases.

Under applicable electronic commerce laws, including the European eIDAS regulation and equivalent international frameworks, you explicitly consent to enter into agreements electronically. Your use of the Service, your submission of payment details, or any click-to-accept action constitutes your valid, legally binding electronic signature, holding the same legal weight as a physical handwritten signature.

Dispute Resolution, Governing Law, and Jurisdiction

Governing Law: As the Provider is based in Spain, these Terms and Conditions and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of Spain, without giving effect to any principles of conflicts of law.

Mandatory Informal Resolution: Any controversy, dispute, or claim arising out of or relating to this Agreement, your use of the Service, or billing matters must first be submitted to our customer service team at info@aurakosmos.lyzorn.com to attempt a mandatory good-faith amicable resolution for a minimum of thirty (30) days prior to initiating any formal legal proceeding.

Jurisdiction for Consumers: If you are a consumer residing in the European Union or the United Kingdom, you may bring legal proceedings in the competent courts of your place of habitual residence. For non-consumer entities (B2B) or users located outside of jurisdictions with mandatory consumer protection venue laws, any legal actions must be brought exclusively in the competent courts of Spain corresponding to the Provider's registered address.

European Online Dispute Resolution (ODR): In compliance with Regulation (EU) No 524/2013, the European Commission provides a platform for alternative extra-judicial resolution of disputes, available at http://ec.europa.eu/consumers/odr/. Consumers may use this platform to resolve disputes arising from online purchases. Our contact email for this purpose is info@aurakosmos.lyzorn.com.

Service Description and Strict Entertainment Disclaimer

The Platform offers spiritual guidance services, tarot readings, Lenormand oracle readings, numerology, birth chart analysis, astrological compatibility, and daily horoscopes, all generated autonomously using advanced artificial intelligence technologies and algorithmic models ("AI Content"). The Service is an online platform provided strictly on an "as is" and "as available" basis.

FOR ENTERTAINMENT PURPOSES ONLY: ALL SPIRITUAL GUIDANCE, TAROT READINGS, ORACLE READINGS, ASTROLOGICAL CHARTS, NUMEROLOGY, AND RELATED AI-GENERATED CONTENT ARE PROVIDED EXCLUSIVELY FOR ENTERTAINMENT, EDUCATIONAL, AND PERSONAL ENRICHMENT PURPOSES. THE SERVICE DOES NOT PROVIDE, AND SHALL NEVER BE CONSTRUED AS PROVIDING, MEDICAL, PSYCHOLOGICAL, PSYCHIATRIC, LEGAL, FINANCIAL, INVESTMENT, TAX, OR OTHER PROFESSIONAL ADVICE.

You expressly acknowledge and agree that AI Content is non-deterministic, inherently subjective, and generated dynamically. AI models may produce inaccurate, inconsistent, or "hallucinated" outputs. You must never rely on readings or text generated by the Service to make life, legal, medical, or financial decisions. The Provider strictly disclaims all liability for any action taken, or omitted to be taken, by you in reliance upon the AI Content.

Eligibility and Account Registration

You must be at least 18 years of age (or the absolute legal age of majority in your specific jurisdiction) to access, register for, or use the Service. By creating an account or making a purchase, you represent and warrant under penalty of perjury that you possess the legal capacity to enter into this contract.

To use our Services, you must provide accurate, current, and complete personal information, including valid billing details. You are solely responsible for maintaining the strict confidentiality of your account credentials. The Provider reserves the unconditional right to refuse service, terminate accounts, block IP addresses, or cancel orders instantly in cases of suspected fraud, chargeback abuse, underage usage, or any violation of these Terms.

Usage License and Strict Restrictions

Subject to your compliance with these Terms and payment of applicable fees, you are granted a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service and AI Content solely for your personal, non-commercial entertainment purposes through our proprietary web portal.

Prohibited Conduct: You explicitly agree not to copy, download, redistribute, modify, reverse engineer, scrape, decompile, bypass security measures, or attempt to extract source code or underlying AI models. You shall not use automated scripts, bots, spiders, or data mining tools against the Platform. Commercial exploitation, reselling, reproducing, or public dissemination of the AI Content without our express prior written permission is strictly prohibited and will result in immediate legal action.

The Provider reserves the absolute right to modify, replace, update, or discontinue features, AI engines, interfaces, or content categories at any time without prior notice or liability.

Fees, Billing, Wallets, and Payment Methods

1. Contracting Modes and Price Determination: The Service is marketed under various purchasing models, including one-time payments and auto-renewing subscriptions. The applicable rates, modality, subscription period, and renewal frequency vary depending on the product, package, and user access conditions. Prior to completing any purchase, all economic conditions—including total price with taxes, payment model, initial duration, renewal frequency, and recurring amount—are clearly presented on the checkout screen. Your explicit acceptance during checkout constitutes a binding financial agreement that supersedes any general references. Upon successful payment, you will receive a digital confirmation receipt.

2. Dynamic Rates and Targeted Offers: The Provider may simultaneously offer different pricing plans, promotional rates, and targeted offers. The existence of a different rate does not entitle any user to retroactive price adjustments or refunds. Plans do not include a free trial period unless expressly and specifically stated in writing at checkout; otherwise, applicable fees are billed immediately.

3. Subscription Charges and Auto-Renewal: For subscription options, the applicable fee is charged at the start of each period and will automatically renew for successive periods of equal duration until cancelled. The Provider reserves the right to adjust future renewal fees upon providing prior individual notice to your registered email. Continued use of the Service after the effective date constitutes your binding acceptance of the modified fee.

4. One-Time Payments: Single-payment options grant access to the specific purchased product as described at checkout, carrying no automatic renewal unless specifically combined with a subscription offer that was disclosed and accepted.

5. Payment Methods, Apple Pay, and Google Pay: Supported methods include credit/debit cards, Apple Pay, Google Pay, and other enabled gateways. By using digital wallets (Apple Pay/Google Pay), you authorize the Provider to process payments using the tokenized card details linked to your device. Your payment issuer or platform may independently assess foreign transaction fees or technical charges. By initiating a purchase, you represent that you are the authorized holder of the payment method and consent to the processing of your data by PCI DSS-compliant gateway partners.

6. Recurring Charge Authorization (MIT) and Token Updates: By enrolling in a subscription via card, Apple Pay, or Google Pay, you grant the Provider and its processors an explicit, ongoing contractual authorization to initiate recurring debit transactions (Merchant Initiated Transactions - MIT). To prevent service interruption due to expired or replaced cards, you authorize the Provider to utilize Network Account Updater services provided by Visa, Mastercard, Apple, Google, or your issuing bank to automatically update your payment credentials and charge the updated token.

7. Verification & Partial Authorization Retries: To prevent fraud, a temporary authorization hold may be placed on your method. If a recurring charge fails due to insufficient funds, you explicitly authorize the Provider and its gateways to perform subsequent payment retries for the full amount, or for partial, lower, or incremental amounts over a 30-day period. Successful partial charges will keep your account active proportionally. Repeated failures or initiation of unjustified bank chargebacks without prior contact with support will result in immediate account termination and potential forfeiture of any right to future services.

Cancellation, Refund Policy, and Right of Withdrawal Waiver

EXPRESS WAIVER OF THE STATUTORY RIGHT OF WITHDRAWAL (EU/UK CONSUMERS): In strict accordance with European Union consumer protection regulations (specifically Article 16(m) of Directive 2011/83/EU and Article 103(m) of the Spanish TRLGDCU) and equivalent UK/international laws regarding the supply of digital content not supplied on a tangible medium, by purchasing any Service modality, you explicitly consent to the immediate performance and delivery of digital content before the expiration of the 14-day withdrawal period. You acknowledge and expressly agree that once digital execution has commenced (i.e., immediate access to the platform or AI Content is granted upon payment), YOU IRREVOCABLY LOSE YOUR 14-DAY RIGHT OF WITHDRAWAL, CANCELLATION, AND STATUTORY REFUND. This waiver is a mandatory condition of accessing the Service immediately.

Subscription Cancellation: You may cancel your subscription at any time via your account panel or by emailing info@aurakosmos.lyzorn.com. Email cancellations must be received at least forty-eight (48) hours prior to the next scheduled renewal transaction. Cancellations take effect solely at the end of the current prepaid billing cycle. No partial, prorated, or retroactive refunds will be issued for unused days, unread content, or forgotten subscriptions within an active billing period.

Voluntary Commercial Refund Policy: Any requests under our strict voluntary commercial refund policy must be submitted within twenty-five (25) days of the contested billing date. Claims are reviewed individually at the Provider's sole and absolute discretion. Approved refunds will only be credited back to the original payment method.

Termination and Account Suspension

The Provider reserves the right to suspend, restrict, or irreversibly terminate your access to the Service at any time, without prior notice or liability, in the event of a material breach of these Terms, suspected fraudulent transactions, automated scraping, prohibited commercial use, payment chargeback abuse, or as required by law.

Upon termination, all licenses granted to you immediately cease, and you must permanently cease all use of the Platform.

User Obligations and Responsibilities

1. Use the Service lawfully, in good faith, and exclusively for personal entertainment.
2. Refrain entirely from using automated bots, spiders, scrapers, or extraction scripts to capture AI Content.
3. Do not introduce malicious code, viruses, or payloads designed to alter platform operations.
4. Do not bypass, probe, or breach payment authentication systems, limits, or access controls.
5. Do not initiate fraudulent bank chargebacks or claim "unauthorized purchase" for services you or someone in your household actually consumed.

Indemnification

You agree to defend, indemnify, and hold harmless Summit Collective S.L., its affiliates, officers, directors, employees, payment processors, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including substantial legal and attorney fees) arising out of or related in any way to your misuse of the Service, your breach of these Terms, your violation of any third-party rights, or your reliance on the AI Content to make personal decisions.

Suspension and Force Majeure

The Provider may suspend, update, or alter the Service for technical maintenance, security, or regulatory compliance. SUMMIT COLLECTIVE S.L. shall not be held liable for service delays, access failures, data loss, or performance interruptions resulting from causes beyond its reasonable control (Force Majeure), including ISP failures, cyberattacks, AI API downtime, or third-party payment gateway outages.

Intellectual Property Rights

All software code, algorithmic flows, user interfaces, branding, visual assets, text, and AI Content generated across the Platform are the exclusive intellectual property of the Provider or its legally designated licensors. These assets are vigorously protected by international copyright, trademark, and intellectual property laws.

Third-Party Links and Integrations

The Service contains technical integrations with third-party providers (such as Apple Pay, Google Pay, and banking gateways). The Provider exerts no control over, and is not responsible for, the content, uptime, security protocols, or privacy practices of these independent third-party services.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AND EXCEPT IN CASES OF WILLFUL MISCONDUCT OR GROSS NEGLIGENCE, IN NO EVENT SHALL SUMMIT COLLECTIVE S.L. BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, EMOTIONAL DISTRESS, PSYCHOLOGICAL IMPACT, OR ANY PERSONAL DECISIONS MADE BASED ON TAROT, ASTROLOGICAL, OR AI READINGS.

UNDER NO CIRCUMSTANCES SHALL THE AGGREGATE CUMULATIVE LIABILITY OF SUMMIT COLLECTIVE S.L. FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE EXCEED THE TOTAL AMOUNT ACTUALLY PAID BY YOU TO SUMMIT COLLECTIVE S.L. DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO SUCH LIABILITY.

Disclaimer of Warranties

THE SERVICE AND ALL AI-GENERATED CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR UNINTERRUPTED AVAILABILITY.

WE STRICTLY DO NOT WARRANT THAT THE SPIRITUAL GUIDANCE, INTERPRETATIONS, OR AI READINGS ARE ACCURATE, COMPLETE, RELIABLE, OR FREE OF ERRONEOUS GENERATION. YOU EXPRESSLY AND VOLUNTARILY AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE AND EXCLUSIVE RISK.

Additional Provisions and Severability

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire, complete, and exclusive legal agreement between you and Summit Collective S.L.. If any provision of these Terms is deemed invalid or unenforceable by a court of competent jurisdiction, that specific provision shall be severed, and the remaining provisions shall remain in full, unmitigated force and effect.

Failure by the Provider to enforce any right or provision shall not operate as a waiver of future enforcement of that or any other right. Clauses regarding jurisdiction, liability limitations, indemnification, intellectual property, and payment obligations explicitly survive the termination of this Agreement.

Contact Information

For billing support, subscription management, refunds, or legal inquiries, please contact our official support channel: info@aurakosmos.lyzorn.com

1. Data Lifecycle and Disclosure Matrix

We maintain full legal transparency regarding the personal data we process. The following matrix details the categories of personal information collected, operational business purposes, and statutory retention criteria.

2. Selling, Sharing, and Global Privacy Controls

2.1. "Selling" vs "Sharing": We do not sell your personal data for monetary consideration. We may, however, share online identifiers and network analytics with third-party technical infrastructure partners for operational performance and cross-context analytics. You retain the absolute right to opt-out of such sharing.

2.2. International Data Transfers: As Summit Collective S.L. operates within the European Union, primary data processing remains within the European Economic Area (EEA). Where processing requires transferring data to US-based technical service providers or AI model infrastructures, we ensure legal compliance by relying on Standard Contractual Clauses (SCCs) approved by the European Commission or the EU-U.S. Data Privacy Framework.

2.3. Global Privacy Control (GPC): Our web platform is configured to detect and process Global Privacy Control (GPC) signals sent by modern web browsers. A detected GPC signal is automatically interpreted as a valid opt-out request regarding non-essential tracking and network activity sharing for that specific browser and device.

3. Your Privacy Rights (GDPR & U.S. State Laws)

Under the GDPR, LOPDGDD, and applicable U.S. state laws (including California, Virginia, and Texas), you hold the following enforceable rights regarding your personal data:

• Right to Access / Know: Request a detailed report of data categories processed, operational purposes, and a portable copy of your personal records (Data Portability).
• Right to Erasure / Right to be Forgotten: Request the deletion of your personal information, subject to mandatory legal exemptions (e.g., active subscription management, legal claims, or statutory financial retention laws).
• Right to Rectification / Correction: Request correction of inaccurate, incomplete, or outdated personal data.
• Right to Object / Opt-Out: Object to processing based on legitimate interests, or direct us to restrict the sharing of your network interaction data.
• Right to Limit Sensitive Data: Request that processing of Sensitive Personal Information be limited strictly to necessary operational delivery.

We will not discriminate against any user (such as by altering service pricing or denying access) for exercising any statutory privacy rights.

4. Identity Verification and Authorized Agents

To prevent unauthorized data exposure or fraudulent requests, we apply rigorous identity verification protocols prior to processing access, rectification, or deletion requests. Verification may require confirming control of your registered email address or authenticating through your active account panel.

Authorized Agents: You may designate an authorized legal agent to submit requests on your behalf. We require verified written authorization executed by you, alongside independent verification of your identity, before releasing or deleting any records.

5. Security, Retention, and AI Input Restrictions

Security & AI Prompt Disclaimer: We maintain administrative, technical, and physical safeguards designed to protect personal information. However, because user text prompts are processed by automated Artificial Intelligence algorithms, YOU ARE EXPRESSLY FORBIDDEN FROM INCLUDING HIGHLY SENSITIVE DATA (such as medical conditions, government ID numbers, financial account passwords, or live payment credentials) within free-text AI prompts or Tarot queries. The Company strictly disclaims all liability for unsolicited sensitive data voluntarily submitted through interactive AI input fields.

Retention Framework: Personal data is retained solely for the period necessary to fulfill original collection purposes. Retention criteria are governed by: (i) the lifespan of your active user account; (ii) mandatory statutory requirements under Spanish and EU tax, legal, and anti-fraud laws; and (iii) technical necessity for platform defense.

6. Privacy-Related Disputes

Any legal action, claim, or dispute arising out of or relating to this Privacy Policy or our data handling practices shall be governed by the Dispute Resolution, Governing Law, and Jurisdiction provisions set forth in our Terms and Conditions. This includes applicable pre-litigation informal dispute resolution requirements and consumer venue protections.

1. What is a Cookie and How We Use Them

A cookie is a small text file stored on your device when you visit a website. It allows the site to remember certain information to enhance your experience, ensure account security, authenticate transactions, and personalize content. This policy explains exactly what trackers are active on our platform and how you can manage them.

2. Global Privacy Control (GPC)

We honor Global Privacy Control (GPC) signals. If you have enabled GPC in your browser, our Service will automatically interpret this as a valid request to opt-out of "sharing" your information for cross-context behavioral advertising.

3. Inventory of Cookies and Functions

A. Essential, Technical, and Payment Security Cookies (Always Active)

Strictly necessary for core platform functionality, user authentication, 3D Secure payment validation, and automated fraud prevention. They cannot be disabled, as payment processing and secure account navigation cannot function without them.

• PHPSESSID: (First-party) Maintains secure user session state and account navigation across the platform. (Duration: Session).
• JSESSIONID: (PayXpert / CelerisPay - auth.celerispay.com) Essential payment gateway session cookie required for credit card processing, Strong Customer Authentication (SCA), and 3D Secure transaction validation. (Duration: Session).
• OTZ, S: (Google Pay - pay.google.com) Essential payment interface session trackers deployed during Google Pay checkout authentication. (Duration: Session / 30 days).
• cf_clearance: (Cloudflare / celerispay.com) Mitigates security threats, bot attacks, and automated card testing on the site and payment gateway. (Duration: 1 year).
• CookieConsent: Records and stores your privacy preferences and cookie management selections. (Duration: 6 months).

B. Preference and Functional Cookies (With Consent)

Allow us to remember your choices, maintain user interface preferences, and enable real-time customer support chat.

• LS_CSRF_TOKEN, zalb_...: (Zoho SalesIQ - salesiq.zohopublic.eu) Enables live customer support chat widgets, CSRF protection, and load balancing for support inquiries. (Duration: Session).
• NEXT_LOCALE: Remembers your preferred language selection across platform pages. (Duration: 1 year).
• admin-theme: Persists your light/dark theme visual preferences. (Duration: Permanent).
• font-size: Remembers reading and accessibility font size adjustments. (Duration: Permanent).

C. Tracking, Attribution, and Analytics Cookies (With Consent)

Analytics cookies measure campaign efficiency, traffic channels, and platform usage. They are never activated without your explicit consent.

• tsrc, tsid, tluri: (First-party) Captures internal traffic attribution, campaign sources, and landing page entry parameters. (Duration: 30 days).
• _clck, _clsk: (Microsoft Clarity) User behavior analysis and interaction heatmaps to optimize UI usability. (Duration: Session / 1 year).
• Google Tag Manager / Google Analytics (_ga): Tag deployment management and site performance analytics. (Duration: Variable).
• ph_phc_...: (PostHog) Real-time event tracking to monitor system functionality and performance errors.

D. Advertising and Marketing Cookies (With Consent)

Deployed by third-party advertising partners to measure campaign conversions and display relevant promotions.

• google_customer_id, _gcl_au: (Google Ads) Correlates marketing channels with user account registration and ad conversion effectiveness. (Duration: Variable).
• __Secure-1PSID, __Secure-3PSID, NID, IDE: (Google / DoubleClick) Delivers ad personalization and measures cross-platform marketing performance. (Duration: Variable).

4. Managing Your Preferences and Third-Party Services

You can manage your cookie preferences at any time through the following methods:

• Consent Banner: Via the cookie banner displayed on your first visit.
• Footer Link: Via the "Manage cookies" link located in the site footer.
• Browser Settings: Configure your browser to reject third-party cookies.
• GPC Signal: Use a browser that transmits Global Privacy Control.

Third-Party Services: As detailed above, independent processors like PayXpert / CelerisPay (for card and Apple Pay processing), Google Pay (for digital wallet processing), and Microsoft / Google (for analytics) deploy security and operational trackers. Third-party marketing cookies are only activated if you grant explicit consent.

5. Governing Law and Contact

This Cookie Policy is governed by the laws of the State of Wyoming, United States, subject to mandatory European Union consumer protection rules where applicable. Any disputes shall be resolved in accordance with our Terms and Conditions.

For any questions regarding cookies, data processing, or to revoke consent, please reach out via email to our Privacy Office at info@aurakosmos.lyzorn.com.

Important: Service and Billing Summary

• Service Description: AI-powered spiritual guidance services, including tarot readings, Lenormand oracle readings, numerology, birth chart analysis, astrological compatibility, and daily horoscopes.
• Contracting Options: The Service is marketed under flexible purchasing options, including one-time single payments and auto-renewing recurring subscriptions.
• Subscription Renewal: For recurring subscription plans, your subscription will automatically renew at the end of each billing cycle (e.g., every 28 days or as specifically displayed during your checkout process) unless cancelled by you prior to the renewal date.
• Pricing & Taxes: Applicable fees are clearly presented on the order screen before purchase completion (€ 9.9, inclusive of all applicable sales or value-added taxes, such as VAT, based on your jurisdiction).
• Cancellation & Support: You may cancel recurring subscriptions at any time via your account settings or by emailing info@aurakosmos.lyzorn.com. To prevent the next scheduled auto-renewal, cancellation requests submitted via email must be received at least 48 hours prior to your scheduled renewal timestamp.

Fees, Billing, Wallets, and Payment Methods

1. Contracting Modes and Price Determination: The Service is marketed under various purchasing models, including one-time payments and auto-renewing subscriptions. The applicable rates, modality, subscription period, and renewal frequency vary depending on the product, package, and user access conditions. Prior to completing any purchase, all economic conditions—including total price with taxes, payment model, initial duration, renewal frequency, and recurring amount—are clearly presented on the checkout screen. Your explicit acceptance during checkout constitutes a binding financial agreement that supersedes any general references. Upon successful payment, you will receive a digital confirmation receipt.

2. Dynamic Rates and Targeted Offers: The Provider may simultaneously offer different pricing plans, promotional rates, and targeted offers. The existence of a different rate does not entitle any user to retroactive price adjustments or refunds. Plans do not include a free trial period unless expressly and specifically stated in writing at checkout; otherwise, applicable fees are billed immediately.

3. Subscription Charges and Auto-Renewal: For subscription options, the applicable fee is charged at the start of each period and will automatically renew for successive periods of equal duration until cancelled. The Provider reserves the right to adjust future renewal fees upon providing prior individual notice to your registered email. Continued use of the Service after the effective date constitutes your binding acceptance of the modified fee.

4. One-Time Payments: Single-payment options grant access to the specific purchased product as described at checkout, carrying no automatic renewal unless specifically combined with a subscription offer that was disclosed and accepted.

5. Payment Methods, Apple Pay, and Google Pay: Supported methods include credit/debit cards, Apple Pay, Google Pay, and other enabled gateways. By using digital wallets (Apple Pay/Google Pay), you authorize the Provider to process payments using the tokenized card details linked to your device. Your payment issuer or platform may independently assess foreign transaction fees or technical charges. By initiating a purchase, you represent that you are the authorized holder of the payment method and consent to the processing of your data by PCI DSS-compliant gateway partners.

6. Recurring Charge Authorization (MIT) and Token Updates: By enrolling in a subscription via card, Apple Pay, or Google Pay, you grant the Provider and its processors an explicit, ongoing contractual authorization to initiate recurring debit transactions (Merchant Initiated Transactions - MIT). To prevent service interruption due to expired or replaced cards, you authorize the Provider to utilize Network Account Updater services provided by Visa, Mastercard, Apple, Google, or your issuing bank to automatically update your payment credentials and charge the updated token.

7. Verification & Partial Authorization Retries: To prevent fraud, a temporary authorization hold may be placed on your method. If a recurring charge fails due to insufficient funds, you explicitly authorize the Provider and its gateways to perform subsequent payment retries for the full amount, or for partial, lower, or incremental amounts over a 30-day period. Successful partial charges will keep your account active proportionally. Repeated failures or initiation of unjustified bank chargebacks without prior contact with support will result in immediate account termination and potential forfeiture of any right to future services.

Cancellation, Refund Policy, and Right of Withdrawal Waiver

EXPRESS WAIVER OF THE STATUTORY RIGHT OF WITHDRAWAL (EU/UK CONSUMERS): In strict accordance with European Union consumer protection regulations (specifically Article 16(m) of Directive 2011/83/EU and Article 103(m) of the Spanish TRLGDCU) and equivalent UK/international laws regarding the supply of digital content not supplied on a tangible medium, by purchasing any Service modality, you explicitly consent to the immediate performance and delivery of digital content before the expiration of the 14-day withdrawal period. You acknowledge and expressly agree that once digital execution has commenced (i.e., immediate access to the platform or AI Content is granted upon payment), YOU IRREVOCABLY LOSE YOUR 14-DAY RIGHT OF WITHDRAWAL, CANCELLATION, AND STATUTORY REFUND. This waiver is a mandatory condition of accessing the Service immediately.

Subscription Cancellation: You may cancel your subscription at any time via your account panel or by emailing info@aurakosmos.lyzorn.com. Email cancellations must be received at least forty-eight (48) hours prior to the next scheduled renewal transaction. Cancellations take effect solely at the end of the current prepaid billing cycle. No partial, prorated, or retroactive refunds will be issued for unused days, unread content, or forgotten subscriptions within an active billing period.

Voluntary Commercial Refund Policy: Any requests under our strict voluntary commercial refund policy must be submitted within twenty-five (25) days of the contested billing date. Claims are reviewed individually at the Provider's sole and absolute discretion. Approved refunds will only be credited back to the original payment method.