When a Customer requests a refund: If the request is within ten (10) days from the date of purchase, the Customer will be received a full refund; If the request is made between the eleventh (11th) day and forty-fifth (45th) day from the purchase, the Customer shall be charged a thirty percent (30%) handling fee. After forty-five (45) days from the purchase, the Customer can extend the refund policy by paying a predefined insurance fee on a monthly basis.