Effective date: 14 November 2026
1. Purchases covered
This policy covers prepaid memberships and access to individual original research reports purchased on 不藏 / UnHideA.
Monthly and annual memberships provide access for the period shown in the order. A single-report purchase unlocks the original report identified in that order. Original PDFs are accessed through our on-site reader; purchases do not include downloadable files or permission to resell or redistribute content. Research summaries, daily briefs and interviews are publicly readable and do not require a refund request.
Memberships currently involve a one-time advance payment. To continue after expiry, you make another purchase; there is no automatic renewal or recurring charge. A new purchase may follow an existing membership period. Stopping use or choosing not to purchase again does not automatically request a refund.
2. Change of mind and delivery
A membership is delivered when the service period for that order has started and its access has been activated and is working. Single-report access is delivered when the specified original report is unlocked and can be read. A prepaid extension that has not started is not treated as delivered merely because you used access supplied by an earlier order.
After delivery, changing your mind, lacking time to read, or disagreeing with research views does not qualify for a voluntary refund. Not having opened the original content does not, on its own, create a refund entitlement. You may request cancellation of an undelivered order for a full refund once non-delivery is verified.
This does not affect remedies for non-delivery, technical failures, content materially different from its purchase description, incorrect charges or duplicate payments, or any statutory withdrawal or refund rights.
3. Incorrect charges, duplicate payments and non-delivery
- Incorrect or duplicate payment: once an erroneous or unintended duplicate payment is verified, we refund the incorrect or duplicate amount. An intentional extension purchase is assessed separately from an unintended duplicate payment. If you do not recognise a payment, promptly contact the payment provider and notify us; you do not need to acknowledge having authorised it before asking us to investigate.
- Paid but access not granted: provide the order number so we can check payment confirmation, the account used and access activation. If payment was received but access cannot be delivered, we refund the affected order in full. If we can activate access, we explain that option for you to accept or decline.
- Unreadable or incorrect content: examples include a missing purchased original, an unreadable file, or a report materially different from the order. Send the page link, time of the issue and a brief description. We first help restore or correct delivery; if this cannot be done, the rules below apply.
The restriction on change-of-mind refunds after delivery in section 2 does not apply to these issues. Please report problems promptly to help us investigate; this policy does not impose a separate universal short deadline that extinguishes these claims.
4. Technical failures and discontinued service
If our delivery or technical failures substantially prevent you from using a purchase, the following rules apply:
- A single original report that cannot be delivered or corrected: a full refund of that report order.
- A membership that has never provided usable paid reading access: a full refund of that membership order.
- For a previously used membership, if our failure makes paid original-report reading as a whole continuously unavailable for 72 hours after we receive enough information to locate the problem, you may choose to end the affected membership order and receive a refund for its remaining unused days. Other prepaid membership orders that have not started may be refunded in full. Alternatively, we may agree to restore the lost reading time, with your consent.
- If we discontinue the service you purchased, the applicable single-report, current-membership and unstarted-extension rules above apply.
The membership refund is calculated as:
Refund = amount actually paid for that order × remaining unused days ÷ total days purchased in that order.
Remaining unused days run from the verified start of the continuing failure that leads to termination, or the actual discontinuation of service, to the order’s original expiry time, but not from before the order’s start time. We convert the actual remaining duration into days, including fractional days proportionately. Time spent reviewing or processing the refund does not reduce that period. “Unused days” means the remaining paid service period, not past days on which you did not sign in or read.
We calculate each order separately using its actual discounted payment and purchased duration, rounding to the smallest refund unit supported by the original payment channel. Cumulative refunds cannot exceed the amount actually paid for that order. Related taxes are adjusted using the same proportion and the payment channel’s applicable rules. Amounts already refunded for the same period are not counted again. Our decision will state the calculation start time, remaining days, refund amount and access termination time.
An individual unavailable article does not automatically mean the entire membership service is unusable. We consider whether that report was expressly promised at purchase, the extent of the problem and its duration when proposing restoration, extra access time or a refund. Where the law requires a full or partial refund, that requirement applies. The 72-hour trigger is an additional commercial protection and does not delay remedies you can legally exercise sooner.
5. How to request a refund
Email help@unhidea.com. You may use the subject “Refund request — order number”. We suggest including:
- The email address used for the purchase and your order number or payment evidence. If you cannot find the order number, the payment date and plan or report name can help us locate it.
- The reason for the request and whether you used the paid access. For a technical issue, include the page link and time; screenshots are optional.
- For USDT payments, the network, amount and transaction hash. We confirm the refund address separately after verifying the order.
Provide only the information necessary to locate the purchase. Never send passwords, verification codes, complete card numbers, wallet private keys or recovery phrases. We may verify your identity through the purchasing account’s email address.
We aim to send an initial response within two business days of receiving your request, and provide a decision with reasons within five business days after the necessary information is complete and verified. Business days mean Monday to Friday, excluding Hong Kong public holidays, using Hong Kong time. If further investigation is needed, we explain what is missing and when to expect the next update. Any shorter statutory deadline takes priority.
You may reply to the same email with further information and request a review of the decision. No particular form is required. Providing all suggested information is not a precondition for a valid statutory withdrawal notice.
6. Refund method and receipt of funds
Card payments and other payments made through Creem
For orders whose receipts identify Creem as the merchant of record, we review eligibility and submit approved refunds through Creem, which returns funds to the original payment method. We do not replace these refunds with USDT or off-platform transfers.
We aim to submit approved refunds within five business days and tell you the submission date, amount and available refund reference. Bank or card-issuer posting times vary; submission does not mean the funds have arrived. Applicable statutory refund deadlines take priority.
If an issue remains unresolved, contact Creem using the details on your receipt or in its Buyer Terms. Creem may also handle refunds and disputes under applicable law or payment rules. If you have already raised a dispute with your payment provider, please tell us so we can reconcile its status and avoid duplicate refunds. This does not restrict your lawful remedies.
USDT payments
USDT refunds require manual verification and arrangement.
We verify the order, refund amount, network and an address at which you can safely receive the refund. If you paid from an exchange, the original sending address may not accept a refund. We will not send funds to it without verification.
A full refund is based on the verified USDT quantity actually paid and attributable to the order; for a remaining-days refund, we apply the proportion in section 4 to that quantity. Duplicates or overpayments are reconciled separately. We do not recalculate it using an exchange rate at the time of refund. We cover the network fee for the refund transfer we initiate, without deducting it from the approved refund. Separate third-party fees paid to your wallet, exchange or blockchain network for the original payment are generally outside the amount we can refund, subject to applicable law.
Once approved and the receiving address and network are verified, we aim to arrange the transfer within five business days and provide a transaction reference. Receipt depends on network confirmations and the receiving platform’s crediting process; initiating a transfer is not confirmation of receipt. Statutory refund deadlines take priority and are not extended by our internal procedures.
Wrong-network transfers, incorrect addresses, underpayments and payments after order expiry are assessed using funds actually received and information we can verify. Contact support before making another payment. We cannot promise recovery of assets we did not receive or control, but will explain the verifiable outcome. Blockchain irreversibility alone is not a blanket reason to reject a reasonable refund of funds received.
7. Access after a refund
After a full refund is completed, the access granted by that order is withdrawn. When a membership ends with a remaining-days refund for a service failure, that order no longer provides future access. Refunding only a duplicate payment or an incorrect excess charge does not revoke otherwise valid paid access. Other valid purchases or redeemed access remain subject to their own terms. If another valid entitlement covers the same report, you can continue reading it through that entitlement.
A refund may leave a gap between membership periods. For multiple prepaid orders, our outcome message will state the start and end dates of retained orders, so a future period is not mistaken for currently active access. Any adjustment requires separate verification; we do not promise that remaining periods move forward automatically.
8. Statutory consumer rights
These commercial protections do not restrict statutory rights to withdraw, obtain a remedy, receive a price reduction or refund, or raise a payment dispute. Activation or reading does not automatically remove legal remedies for defective content or non-delivery.
Where relevant EU or UK consumer rules apply, you may have a 14-day withdrawal right. For immediately supplied digital content not delivered on a physical medium, loss of that right depends on the express consent, acknowledgement and contract confirmation required by applicable law. We will not assume you waived it simply because the purchase was digital. An ongoing digital service may be subject to different rules. Statutory refund amounts, deadlines and methods take priority over this policy.