99.1 International Availability

AKBSTOCK operates as an online digital textile design platform and may make Products, Licenses, Subscriptions and related services available to Customers located in multiple countries and jurisdictions.

Because Customers may access AKBSTOCK internationally, different legal, consumer, payment, tax and digital-content requirements may potentially apply to different transactions.

99.2 General International Principle

This Refund & Cancellation Policy establishes a general framework intended to apply consistently to AKBSTOCK transactions while remaining subject to mandatory local laws that validly apply to a particular Customer or transaction.

Where applicable mandatory law provides a right that cannot legally be excluded or restricted by contract, that right will apply to the extent required by law.

99.3 Laws Differ Between Countries

Consumer protection, digital-content, cancellation, refund, payment and e-commerce laws may differ substantially between countries and regions.

A right available to a Customer in one jurisdiction may not necessarily exist, or may operate differently, for a Customer in another jurisdiction.

99.4 No Universal Consumer Law

There is no single consumer protection framework that automatically applies in the same manner to every AKBSTOCK Customer worldwide.

The applicable legal position may depend on the Customer’s location, legal status, transaction purpose, AKBSTOCK’s activities relating to the relevant jurisdiction and other legally relevant circumstances.

99.5 Availability Does Not Automatically Establish Legal Applicability

The fact that the AKBSTOCK Website can technically be accessed from a particular country does not by itself mean that every law of that country necessarily applies to AKBSTOCK or to every transaction completed from that country.

The applicable legal framework must be determined according to relevant legal principles and the circumstances of the transaction.

99.6 Customer Location

A Customer’s country or place of residence may be relevant when determining applicable mandatory consumer rights.

However, Customer location may be only one of several factors relevant to determining the law applicable to a particular transaction.

99.7 Transaction Location

The location from which a Customer accesses the Website, submits an order or completes payment does not necessarily determine by itself which country’s laws govern the transaction.

Other contractual, commercial and legal factors may also be relevant.

99.8 Temporary Travel

A Customer’s temporary physical presence in a country while accessing or purchasing from AKBSTOCK does not necessarily mean that all consumer laws of that temporary location apply to the transaction.

The applicable legal position depends on the relevant facts and law.

99.9 VPNs and Technical Location Signals

Technical location indicators, including IP addresses or similar signals, may not always accurately establish a Customer’s legal residence or location.

AKBSTOCK may therefore consider other reasonably available information where location is legally relevant to a refund or consumer-rights assessment.

99.10 Customer-Provided Country Information

Customers should provide accurate country, billing and Account information where such information is requested for legitimate transaction, payment, tax, licensing or legal purposes.

Materially inaccurate location information may affect AKBSTOCK’s ability to correctly administer applicable transaction requirements.

99.11 Consumer Status

Whether a Customer qualifies as a consumer under local law may depend on the legal definition applicable in the relevant jurisdiction and the purpose for which the Product was purchased.

AKBSTOCK does not assume that every international Customer automatically qualifies as a consumer.

99.12 Business and Professional Customers

Customers purchasing AKBSTOCK Products primarily for textile production, professional design work, manufacturing, resale, client work or other business purposes may be treated as business or professional Customers under applicable law.

Such Customers may have different rights from individual consumers.

99.13 Mixed-Purpose Transactions

Where a Product is purchased partly for personal purposes and partly for business or professional purposes, the Customer’s legal status may depend on the rules applicable in the relevant jurisdiction and the predominant purpose of the transaction where legally relevant.

99.14 Digital Nature of Products

AKBSTOCK Products are generally supplied digitally rather than as physical goods.

Local laws may classify such Products as digital content, digital services, electronically supplied content, licensed intellectual property or another legal category, and the applicable rights may vary accordingly.

99.15 Digital Content Rules

Some jurisdictions provide specific legal rules concerning digital content, including requirements relating to conformity, functionality, compatibility, remedies, withdrawal or cancellation.

AKBSTOCK will respect such requirements where they are mandatory and legally applicable to the relevant transaction.

99.16 Immediate Digital Delivery

AKBSTOCK Products may become available for download or access shortly after a successful transaction.

Where local law permits cancellation or withdrawal rights to change after digital supply begins, AKBSTOCK may implement legally appropriate consent, acknowledgement or other checkout mechanisms required for that jurisdiction.

99.17 Local Withdrawal Rights

Some jurisdictions may provide eligible consumers with statutory withdrawal or cancellation rights for certain online transactions.

The existence, duration, exceptions and effect of such rights depend on applicable local law and the nature of the digital Product or service.

99.18 Loss or Limitation of Withdrawal Rights

Where applicable law permits a statutory withdrawal right for digital content to expire, be lost or become limited after digital performance begins with legally valid Customer consent or acknowledgement, AKBSTOCK may rely on that legal framework.

AKBSTOCK will not treat the right as waived where the legally required conditions for waiver or loss have not been satisfied.

99.19 Downloaded Products

AKBSTOCK’s general restrictions concerning refunds after Product download or access apply subject to mandatory local consumer laws.

A download does not automatically eliminate a legally protected remedy for defective, materially misdescribed, incorrectly supplied or otherwise legally non-conforming digital content.

99.20 Change-of-Mind Purchases

AKBSTOCK does not generally provide refunds merely because a Customer changes their mind after purchasing and accessing a correctly supplied digital Product, except where this Policy provides otherwise.

This general rule remains subject to any mandatory local cancellation or withdrawal right that validly applies.

99.21 Defective Products

Where local law provides mandatory remedies for defective or non-conforming digital Products, AKBSTOCK will apply those remedies to the extent legally required.

Depending on applicable law and circumstances, the appropriate remedy may include correction, replacement, restored access, price adjustment or refund.

99.22 Incorrectly Supplied Products

Local consumer law may provide remedies where a Customer receives a materially different Product from the Product purchased.

AKBSTOCK’s replacement and refund procedures apply subject to any mandatory local requirements.

99.23 Product Description Requirements

Where local law requires digital Products to correspond materially with descriptions, specifications or other legally required representations, AKBSTOCK will apply such mandatory requirements where legally applicable.

99.24 Compatibility and Functionality Requirements

Some jurisdictions may impose mandatory requirements concerning information about digital Product functionality, compatibility or interoperability.

Where such requirements legally apply, AKBSTOCK’s Product information and refund procedures will be interpreted consistently with those requirements.

99.25 Local Refund Rights

Where an eligible Customer has a mandatory local right to a refund that cannot lawfully be excluded, AKBSTOCK will provide the legally required remedy notwithstanding a contrary general contractual restriction in this Policy.

99.26 Local Refund Deadlines

Where applicable law requires a statutory refund to be issued within a particular period, that legally required period will apply to the extent mandatory.

Payment-provider or banking settlement time after AKBSTOCK has properly initiated the refund may remain outside AKBSTOCK’s direct control.

99.27 Local Refund Method Requirements

Where applicable law requires a refund to be returned through the original payment method or otherwise prescribes the permitted refund method, AKBSTOCK will comply to the extent legally required and technically possible.

99.28 Currency Differences

International transactions may involve currency conversion, exchange-rate movements or payment-provider conversion practices.

The Customer’s final credited amount may therefore differ from the originally displayed or debited amount where permitted by applicable law and caused by independent currency or financial-provider processes.

99.29 Bank Charges

International banks, card issuers, wallets or other payment providers may impose charges that AKBSTOCK does not directly control.

Responsibility for such charges will be determined according to the relevant transaction, provider terms and applicable law.

99.30 Taxes and Duties

International digital transactions may be subject to taxes, levies, withholding requirements or similar charges depending on the Customer’s jurisdiction and applicable law.

The refund treatment of such amounts may depend on whether AKBSTOCK collected the amount, whether it has been remitted and the applicable tax rules.

99.31 Payment Methods Differ by Country

Not every payment method may be available in every country, currency or jurisdiction.

AKBSTOCK may offer different payment options depending on technical availability, payment-provider support, regulatory requirements and commercial considerations.

99.32 Payment Provider Rules

International payment providers may apply their own processing, verification, dispute and refund rules in addition to AKBSTOCK’s policies.

Such third-party rules do not override mandatory legal rights that validly apply to the Customer.

99.33 Chargebacks and International Payments

Chargeback and payment-dispute rights may differ by payment method, card network, provider and jurisdiction.

Nothing in this Policy is intended to prevent a Customer from exercising a legitimate payment-dispute right legally available to them.

99.34 Fraudulent Chargebacks

The existence of local consumer or payment rights does not authorize fraudulent chargebacks, fabricated disputes or duplicate reimbursement attempts.

AKBSTOCK may respond to suspected abuse through appropriate payment-provider, contractual or legal procedures.

99.35 Subscription Laws

Some jurisdictions regulate recurring billing, automatic renewal, Subscription cancellation, renewal notices or related disclosures.

Where such rules are mandatory and legally applicable to an AKBSTOCK Subscription, AKBSTOCK will apply the relevant requirements.

99.36 Subscription Cancellation Rights

Local law may provide eligible Customers with rights concerning cancellation of future Subscription renewals or recurring charges.

AKBSTOCK’s Subscription terms will operate subject to such mandatory rights where applicable.

99.37 Subscription Refund Rights

Where applicable local law requires a refund, price reduction or other remedy relating to an AKBSTOCK Subscription, the mandatory requirement will apply to the extent legally required.

Otherwise, Section 89 – Subscription Cancellations & Refunds and the applicable Subscription Agreement will govern.

99.38 Commercial License Customers

Many AKBSTOCK Products may be purchased for commercial textile design, printing, manufacturing, merchandising or client work.

The commercial nature of a transaction may affect whether consumer-specific local laws apply, but it does not automatically eliminate other contractual or statutory rights.

99.39 Exclusive License Customers

Exclusive License transactions may involve substantial business and intellectual property rights and may be treated differently from ordinary consumer digital-content purchases under applicable law.

The Customer’s legal status and transaction purpose should therefore be considered when determining whether local consumer protections apply.

99.40 Free Products

Local law may treat free digital Products differently from paid digital Products.

Although no monetary Product price exists to refund, other mandatory rights may still apply where legally relevant.

99.41 Promotional Purchases

A discount, coupon or promotional price does not automatically eliminate local mandatory consumer protections.

Where a refund is legally required, the refundable amount may generally reflect the amount actually paid, subject to applicable law.

99.42 Local Language Requirements

Some jurisdictions may require particular consumer information, disclosures or contractual terms to be provided in a specified language or form.

Where such requirements are mandatory and legally applicable to AKBSTOCK, AKBSTOCK may provide additional localized information or disclosures as necessary.

99.43 Local Checkout Disclosures

AKBSTOCK may display country-specific or transaction-specific disclosures, consent mechanisms, notices or checkout terms where reasonably necessary to comply with applicable legal requirements.

Such localized disclosures should be read together with this Policy.

99.44 Local Supplemental Terms

AKBSTOCK may introduce supplemental terms or notices for particular countries, regions, Products, payment methods or services where legal or operational requirements make such terms appropriate.

Where applicable, those supplemental terms will operate together with this Policy.

99.45 Conflict With Local Supplemental Terms

If legally applicable supplemental terms expressly provide a different rule for a particular jurisdiction or transaction, those supplemental terms may control that specific matter to the extent stated and legally permissible.

The remainder of this Policy will continue to apply where not inconsistent.

99.46 Mandatory Law Prevails Where Required

If a provision of this Policy conflicts with a mandatory local consumer law that validly applies and cannot legally be excluded by contract, the mandatory legal requirement will prevail to the extent of that conflict.

This does not automatically invalidate the remainder of the Policy.

99.47 No Automatic Application of Most Favorable Law

A Customer is not automatically entitled to select whichever country’s consumer law provides the most favorable remedy merely because AKBSTOCK is accessible internationally.

The applicable law must have a valid legal connection to the Customer, transaction or AKBSTOCK under relevant legal principles.

99.48 Governing Law

Any governing-law provision contained in AKBSTOCK’s Terms & Conditions or applicable License Agreement will apply to the extent legally enforceable.

Such a provision is not intended to deprive an eligible consumer of mandatory protections that applicable law does not permit to be contractually excluded.

99.49 Jurisdiction and Courts

Any contractual provision concerning jurisdiction, courts or dispute forums will operate subject to mandatory procedural or consumer rights that applicable law may provide.

99.50 Conflict-of-Law Principles

Questions concerning which country’s law applies to an international transaction may be determined by applicable conflict-of-law rules, mandatory statutes, contractual provisions and other legally relevant factors.

This Policy does not attempt to replace those legal rules with a universal contractual assumption.

99.51 Local Statutory Limitation Periods

AKBSTOCK’s internal refund-request periods do not unlawfully shorten a mandatory statutory limitation or claim period that applicable local law preserves for an eligible Customer.

99.52 Internal Refund Deadlines

Any internal deadline stated in this Policy applies as a contractual procedure only to the extent legally enforceable.

Where mandatory local law gives an eligible Customer a longer protected period, the mandatory period will apply to the extent required.

99.53 Local Complaint Rights

Customers may have rights under applicable local law to submit complaints to consumer protection bodies, payment providers, regulators, courts or other competent authorities.

Nothing in this Policy is intended to unlawfully prevent exercise of such rights.

99.54 Alternative Dispute Resolution

Some jurisdictions may provide or require access to mediation, conciliation, alternative dispute resolution or similar consumer dispute mechanisms.

AKBSTOCK will participate where legally required and may voluntarily participate where appropriate.

99.55 Regulatory Authorities

Nothing in this Policy prevents a Customer from contacting a competent regulatory or consumer authority where the Customer has a legally protected right to do so.

99.56 Local Court Rights

Nothing in this Policy is intended to unlawfully remove a Customer’s mandatory right to bring a claim before a competent court where applicable law preserves such a right.

99.57 No Retaliation for Legitimate Local Rights

AKBSTOCK will not restrict a Customer Account merely because the Customer legitimately exercises a mandatory consumer, payment, complaint or regulatory right available under applicable law.

Independent action may still be taken where verified fraud, abuse or another material violation exists.

99.58 Fraud Is Not Protected by Local Consumer Rights

Nothing in this Section requires AKBSTOCK to accept fabricated claims, false evidence, fraudulent chargebacks, duplicate reimbursements or other abusive conduct merely because a Customer refers to consumer protection law.

AKBSTOCK may reasonably verify legitimate claims and respond to verified abuse.

99.59 Local Privacy Laws

International Customers may also have rights under privacy and data-protection laws applicable to their personal information.

Such rights are governed principally by the AKBSTOCK Privacy Policy and applicable privacy law rather than by this Refund & Cancellation Policy.

99.60 Cross-Border Data Processing

Information relating to international transactions may be processed or stored across jurisdictions through hosting, payment, support, security or other authorized service providers.

Such processing will be governed by the AKBSTOCK Privacy Policy and applicable data-protection requirements.

99.61 International Payment Records

AKBSTOCK may retain reasonable records of international payments, refunds, currency, payment-provider references and related transaction information for accounting, tax, licensing, fraud-prevention, dispute and legal purposes.

99.62 Local Recordkeeping Requirements

Transaction and refund records may be subject to different retention requirements under applicable tax, accounting, payment or other laws.

AKBSTOCK may retain records for the period legally required or otherwise lawfully justified.

99.63 Account Closure and Local Rights

Closing an AKBSTOCK Account does not automatically extinguish a valid mandatory consumer claim that applicable law allows the Customer to pursue after Account closure.

Relevant records may be retained where legally required or otherwise lawfully necessary.

99.64 Refund and License Consequences

Where a mandatory local refund fully reverses a Product transaction, the resulting effect on Product access and License rights will be determined according to applicable law, Section 96 – Effect of Refund on Product Access & License Rights and the relevant AKBSTOCK License Agreement.

99.65 Mandatory Refund Does Not Necessarily Preserve License

A Customer’s statutory entitlement to recover the full purchase price does not automatically mean that the Customer also retains unlimited future commercial rights in the refunded digital Product.

Post-refund License rights must be determined under applicable law and the relevant License Agreement.

99.66 Unrelated Licenses

A refund or mandatory remedy affecting one transaction does not automatically invalidate unrelated Products or Licenses obtained through separate valid transactions.

99.67 Existing Commercial Use

The effect of an international refund on Products already used in client work, manufacturing, printing or other commercial activity will depend on applicable law and the relevant AKBSTOCK License Agreement.

This Section does not independently create or remove surviving commercial rights.

99.68 Existing Physical Inventory

The treatment of physical inventory lawfully produced before a License terminates may depend on the applicable License Agreement and any mandatory local law.

No universal international sell-off right is created by this Policy.

99.69 Customer Responsibility for Local Business Requirements

Business and professional Customers remain responsible for determining whether their own use, manufacture, resale, import, export, labeling or distribution of products incorporating AKBSTOCK designs complies with laws applicable to their business activities.

A Product License does not constitute general legal approval of the Customer’s downstream commercial operations.

99.70 Export and Trade Restrictions

AKBSTOCK Products and services may be subject to applicable export, sanctions, trade or other legal restrictions in certain circumstances.

AKBSTOCK may restrict transactions or access where reasonably necessary to comply with legally binding requirements.

99.71 Restricted Jurisdictions

AKBSTOCK does not guarantee that Products, payment methods or services will be available in every country or territory.

Availability may be limited by legal requirements, payment-provider restrictions, technical limitations or legitimate business considerations.

99.72 Changes in Local Law

Consumer, digital-commerce, payment and related laws may change over time.

AKBSTOCK may update its policies, checkout processes or jurisdiction-specific disclosures where reasonably necessary to reflect legal or operational developments.

99.73 No Guarantee of Permanent Country-Specific Rules

A country-specific process or disclosure available at one time may be modified where applicable law, payment systems, regulatory requirements or AKBSTOCK’s operations change.

Any mandatory rights existing at the time of the relevant transaction remain subject to applicable law.

99.74 Local Legal Advice

Information in this Policy is intended to explain AKBSTOCK’s contractual refund framework and is not individualized legal advice to Customers concerning the laws of their jurisdiction.

Customers may obtain independent professional advice where they require guidance concerning their particular legal rights or obligations.

99.75 AKBSTOCK Legal Review

Where an international refund request raises a material question concerning mandatory local law, AKBSTOCK may obtain professional legal, accounting, tax or payment advice before determining the appropriate response.

99.76 Customer May Identify Applicable Local Right

A Customer who believes that a mandatory local consumer right applies may provide reasonable information identifying the transaction, jurisdiction and requested remedy.

AKBSTOCK may review the claim based on the relevant facts and applicable law.

99.77 No Improper Burden on Customer

AKBSTOCK will not intentionally impose unreasonable procedural requirements solely to prevent an eligible Customer from exercising a mandatory local consumer right.

Reasonable verification may nevertheless be required to identify the Customer, transaction and legal basis of the claim.

99.78 Good-Faith International Resolution

AKBSTOCK seeks to address legitimate international Customer complaints and legally applicable consumer claims in good faith.

Where appropriate, a matter may be resolved through correction, replacement, restored access, refund or another legally permissible remedy.

99.79 Voluntary International Accommodation

AKBSTOCK may voluntarily provide a refund, replacement or other accommodation to an international Customer even where the availability of a mandatory legal remedy is uncertain.

Such voluntary action does not necessarily establish that the same legal obligation applies to every Customer or jurisdiction.

99.80 No Admission Through Voluntary Resolution

A voluntary resolution of an international Customer issue does not necessarily constitute an admission of legal liability, jurisdiction or the applicability of a particular foreign law.

99.81 No Waiver of Non-Excludable Rights

A Customer’s acceptance of this Policy, the AKBSTOCK Terms & Conditions or an applicable License Agreement does not waive any mandatory local consumer right that applicable law does not permit the Customer to waive.

99.82 No Waiver Merely Through Download

A Customer’s download or access of a digital Product does not automatically waive a mandatory local remedy unless applicable law permits that result and all legally required conditions have been satisfied.

99.83 No Waiver Through Acceptance of “Non-Refundable” Term

Any “non-refundable,” “no refund,” “final sale” or similar wording used by AKBSTOCK must be interpreted subject to applicable mandatory local law.

Such wording cannot lawfully remove a right that applicable law makes non-excludable.

99.84 Severability in International Transactions

If a provision of this Policy is invalid or unenforceable under mandatory law applicable to a particular international transaction, that provision should be limited or interpreted to the minimum extent necessary where legally possible.

The remaining provisions will continue to operate to the extent permitted by law.

99.85 No Automatic Worldwide Invalidity

A provision being unenforceable in relation to one jurisdiction or Customer does not automatically make that provision unenforceable in every other jurisdiction or transaction.

Enforceability may depend on the law applicable to the particular circumstances.

99.86 Relationship With Mandatory Consumer Rights

This Section should be read together with Section 98 – Mandatory Consumer Rights.

Section 98 establishes the general protection of non-excludable consumer rights, while this Section explains how those principles may operate in international and cross-border transactions.

99.87 Relationship With Currency and Payment Differences

Section 87 – Currency, Bank & Payment Provider Differences applies to international refund amounts, exchange-rate effects, payment-provider processing and related financial differences, subject to mandatory local law.

99.88 Relationship With Subscriptions

Section 89 – Subscription Cancellations & Refunds and the applicable Subscription Agreement govern AKBSTOCK Subscription transactions subject to mandatory recurring-billing, cancellation and consumer requirements validly applicable in the relevant jurisdiction.

99.89 Relationship With Exclusive Licenses

Section 90 – Exclusive License Transactions and the applicable Exclusive License Agreement govern Exclusive License refunds and related rights, subject to any mandatory law validly applicable to the particular Customer and transaction.

99.90 Relationship With Chargebacks

Section 93 – Chargebacks & Payment Disputes applies to international payment disputes, subject to mandatory rights provided by applicable payment or consumer law.

99.91 Relationship With Product Access and License Rights

Section 96 – Effect of Refund on Product Access & License Rights determines the general consequences of refunds for Product access and licensing, subject to applicable local law and the relevant License Agreement.

99.92 Relationship With Transaction Records

Section 97 – Refund Records & Transaction Records applies to international transaction and refund records subject to applicable privacy, accounting, tax, payment and recordkeeping requirements.

99.93 Relationship With Privacy Policy

International processing of personal information, cross-border data transfers, privacy rights and related matters are governed principally by the AKBSTOCK Privacy Policy and applicable data-protection law.

99.94 Relationship With Terms & Conditions

The AKBSTOCK Terms & Conditions establish the broader contractual framework governing Website and service use.

Any governing-law, jurisdiction, dispute or international-use provisions contained in those Terms should be read together with this Section and subject to applicable mandatory law.

99.95 Relationship With License Agreements

Commercial, Subscription and Exclusive License Agreements determine the substantive Product-use rights associated with AKBSTOCK Products.

Those Agreements remain subject to mandatory legal requirements that cannot validly be excluded in the circumstances of a particular international transaction.

99.96 International Fairness Principle

AKBSTOCK seeks to apply its Refund & Cancellation Policy consistently across international Customers while recognizing that legally mandatory rights may differ between jurisdictions.

Consistency does not require AKBSTOCK to ignore valid local legal requirements, and local legal differences do not automatically entitle every Customer to the most favorable rule available anywhere in the world.

99.97 Local Law Savings Clause

Nothing in this Policy is intended to exclude, restrict or waive a mandatory local consumer protection, digital-content remedy, payment right or other statutory protection that applicable law does not permit AKBSTOCK to exclude, restrict or waive.

Where such a mandatory requirement validly applies, this Policy will be interpreted consistently with that requirement to the extent legally necessary.

99.98 No Expansion Beyond Applicable Law

Nothing in this Section should be interpreted as voluntarily making every foreign consumer law applicable to AKBSTOCK where that law would not otherwise legally apply.

This Section preserves legally applicable mandatory rights without creating additional jurisdiction, obligations or remedies solely by contractual wording.

99.99 Case-Specific Application

Where an international Customer relies on a particular local consumer right, the applicable legal position may need to be determined according to the Customer’s status, location, transaction purpose, Product type, method of supply and other legally relevant circumstances.

AKBSTOCK may therefore assess international statutory claims individually where necessary rather than assuming that one jurisdiction’s rules govern every transaction.

99.100 Section Summary

AKBSTOCK may provide digital Products, Licenses and Subscriptions to Customers located in multiple countries. Consumer protection, digital-content, payment, cancellation and refund laws may differ between those jurisdictions, and no single foreign consumer law automatically applies to every AKBSTOCK transaction merely because the Website is internationally accessible.

Where a mandatory local law validly applies to an eligible Customer and provides a right that cannot legally be excluded, AKBSTOCK’s Refund & Cancellation Policy will operate subject to that right. This may include legally applicable rights concerning defective or non-conforming digital Products, statutory cancellation, refund timing, payment disputes, recurring billing or other protected matters.

At the same time, this Policy does not voluntarily make every country’s consumer laws applicable to AKBSTOCK. The applicable legal framework may depend on the Customer’s legal status, location, transaction purpose, Product type and other relevant circumstances. Business and professional Customers may also be treated differently from individual consumers under applicable law.

International Customers remain subject to AKBSTOCK’s general refund, payment and licensing framework except where mandatory applicable law requires a different result. Any governing-law, jurisdiction, License, Subscription, Account or refund provisions must therefore be read together with this Section, Section 98 – Mandatory Consumer Rights and the applicable AKBSTOCK legal documents.