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+# Spanglish Website – Refund & Cancellation Policy
+
+Last updated: [Insert Date]
+
+---
+
+## 1. Purpose
+
+This Refund & Cancellation Policy defines the conditions under which refunds, cancellations, and changes are handled by Spanglish.
+
+Its purpose is to ensure transparency, fairness, and operational stability for both participants and organizers.
+
+---
+
+## 2. Scope
+
+This policy applies to all event bookings made through the Spanglish platform, including in-person and online events.
+
+By purchasing a ticket, users agree to this policy.
+
+---
+
+## 3. Booking Confirmation
+
+A booking is considered confirmed only after payment has been approved.
+
+Unpaid or unapproved bookings do not guarantee participation.
+
+---
+
+## 4. User-Initiated Cancellations
+
+### 4.1 Cancellation Deadline
+
+Users may request a cancellation up to **48 hours before** the scheduled start of the event.
+
+Cancellation requests must be submitted through the user dashboard or via official support channels.
+
+---
+
+### 4.2 Refund Eligibility
+
+If a valid cancellation request is received within the deadline:
+
+* The user may choose a full refund, or
+* A credit for a future event
+
+The chosen option must be indicated at the time of request.
+
+---
+
+### 4.3 Late Cancellations and No-Shows
+
+Cancellations made less than 48 hours before the event, or failure to attend without notice, are not eligible for a refund.
+
+Exceptions may be granted at Spanglish’s discretion in cases of emergency.
+
+---
+
+## 5. Organizer-Initiated Cancellations
+
+### 5.1 Event Cancellation
+
+If Spanglish cancels an event, users may choose:
+
+* A full refund, or
+* Transfer to a future event
+
+Users will be notified promptly.
+
+---
+
+### 5.2 Event Rescheduling
+
+If an event is rescheduled:
+
+* Tickets remain valid for the new date
+* Users unable to attend may request a refund
+
+---
+
+## 6. Payment Method Refund Processing
+
+### 6.1 Card and Online Payments
+
+Refunds are processed using the original payment method when possible.
+
+Processing times depend on the payment provider.
+
+---
+
+### 6.2 Bank Transfers
+
+Refunds via bank transfer require valid bank details from the user.
+
+Processing may take up to 10 business days.
+
+---
+
+### 6.3 Bitcoin / Lightning
+
+Lightning payments are refunded in Bitcoin when technically feasible.
+
+If not feasible, alternative compensation may be offered.
+
+---
+
+### 6.4 Cash Payments
+
+Cash payments are refunded in cash at a future event or by arrangement.
+
+---
+
+## 7. Administrative Fees
+
+Spanglish reserves the right to deduct reasonable administrative or processing fees from refunds when applicable.
+
+Any deductions will be clearly communicated.
+
+---
+
+## 8. Non-Refundable Situations
+
+Refunds are not provided in the following cases:
+
+* Removal due to misconduct
+* Violation of event rules
+* False or misleading information
+* Force majeure events
+
+---
+
+## 9. Force Majeure
+
+In cases of force majeure, including natural disasters, government restrictions, or public emergencies, Spanglish may:
+
+* Reschedule events
+* Offer credits
+* Provide partial refunds
+
+Decisions are made in good faith.
+
+---
+
+## 10. Refund Requests Procedure
+
+To request a refund, users must provide:
+
+* Full name
+* Email address
+* Event details
+* Reason for request
+* Preferred refund method
+
+Requests are reviewed within 5 business days.
+
+---
+
+## 11. Dispute Resolution
+
+If a user disagrees with a refund decision, they may submit a formal appeal.
+
+Appeals are reviewed by management.
+
+Decisions are final.
+
+---
+
+## 12. Policy Changes
+
+Spanglish may update this policy periodically.
+
+Updates will be published with a revised date.
+
+---
+
+## 13. Contact Information
+
+For refund and cancellation inquiries, contact:
+
+Spanglish
+Email: [Insert Contact Email]
+Website: [Insert Website URL]
+
+---
+
+## 14. Acceptance
+
+By purchasing a ticket, users acknowledge and agree to this Refund & Cancellation Policy.