Hello and good morning everyone. I am just making the final touches on my new business where I offer online courses and wanted to ask for some feedback on whether it would be wise for me to offer refunds considering the below: My online courses will be digital products, which means that as soon as the customer purchases the course they will be sent an automatic link containing details to the password of a password protected page (link to the page provided) which will give the access to the online course videos and additional materials. Some of the online courses include a course workbook that ranges to around 30-50 pages of worksheet exercises. I still need to do a bit more research but for now (feel free to correct me if I am wrong here as its early stage research) I have read that it is legally permissible to express in clear writing that no refunds are available as my courses are digital products. I've did everything I can to ensure the everything is in place to meet customers needs, for example I have made a clear outline of the courses to be read prior to purchase, I have a free video to showcase the general presentation style and audio that customers can expect for all the courses and I have placed a subtitles option in all the courses to ensure the courses are accessible to a range of audiences and that they all understand and follow the courses without any issue. The only issue I have is that it goes against the type of person I am to not offer refunds. I am afraid someone may just not like the course and be silently angry at not being able to ask for a refund and this makes me feel uneasy personally and also it may damage my reputation. On the flip side, if I offer refunds I can potentially open myself up for an array of problems like people purchasing the course and the workbooks I've worked so hard to produce for the sole purpose of accessing them and asking for a refund later. It will be difficult to monitor who is asking for a refund for genuine reasons and who isn't. So just thought I'd ask if not offering refunds is the best way to go in my situation?