Policies
Our policies
All current as of 8 September 2026
Four documents, written to be read once and understood. Everything here is a digital file that cannot be posted back, so the rules that matter most are the ones about refunds and about what you may do with a file you bought.
The policies
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Returns and refunds
When we refund a digital download and when we do not, how to ask, and what happens to the sale afterwards.
Read the refund policy -
Privacy policy
What we collect when you browse and buy, what never leaves your device, and how long we keep it.
Read the privacy policy -
Terms of use
What this shop is, what you get when you buy, what you may do with the file, and the rules for reviews.
Read the terms
Quick answers
Can I get a refund on a file I downloaded?
Not for a change of mind, because you keep the file. Yes if it is broken, undelivered, charged twice or genuinely not what the listing described. Ask within 48 hours. The full detail is in the refund policy.
What do I actually own after buying?
A licence to use the file, for yourself or inside your own business. Not the right to resell it or pass it on. See what you may do with a file you bought.
Do you track me?
No advertising pixels, no retargeting and nothing that follows you to another website. We do count page views, in aggregate and without cookies, so we can fix what is slow or broken, and we say so in a notice on your first visit. The only cookies we set are the ones that keep you signed in and take your payment. See cookies in the privacy policy, which also says how to block the page counting if you would rather not be counted.
Are the star ratings real?
Only a buyer with a completed purchase can leave one, a product with no reviews shows no stars rather than a placeholder, and a rating cannot be paid for or edited to order. See reviews and ratings.
Something on the site infringes my copyright.
Email talk@payxem.shop with Copyright claim in the subject line. The information we need is listed under copyright and takedown requests.
Payxem account policies
payxem.shop is powered by Payxem Digital Portal, a Dubai mainland company licensed by the Department of Economy and Tourism, Dubai, UAE. If you hold a Payxem account, these documents cover that account, your wallet and your payouts:
The policies on this page cover this shop itself: buying, products, reviews and refunds.
Contact
Everything on one address: talk@payxem.shop. Refunds, orders, download problems, privacy requests and copyright claims all reach a person there.