Refunds for JayNaylor.com site credit is payable on demand. Tangible merchandise that is damaged, such as CDs with corrupted data, or damaged prints, are refundable or replacable within 30 days of being shipped to the customer. The cost of electronic files viewable on the website cannot be refunded, except for in the event of software or hardware failure, crashes, or other accidents in the ordering process where the customer is charged multiple times, or the electronic file fails to display due to a known outage or configuration error. Requests for refunds on payments for electronic files that aren't on CD, should be e-mailed to jay@jaynaylor.com and include a detailed description of the steps taken that lead to the problem, and describe the exact problem in detail. Refunds for non-tangible electronic files not on CD will be refunded as site credit. All other refund questions can be e-mailed to jay@jaynaylor.com or mailed to JayNaylor.com, Inc., 1617 Cameron Landing Drive, Stockbridge, GA 30281, USA. All refunds that do not include site credit will be refunded in US Dollars.