I don't offer refunds for digital products as here in the UK sellers are entitled to not have to give refunds for this type of sale.  I have spoken about refunds before, and have started giving some depending upon the situation in which the buyer finds themselves and how the ask for the refund.

This is one reason why I do not like to use Clickbank as a sales processor - they insist that sellers offer a refund even if local laws allow you not to.  However, my JV partner for the smarticle tool does sell this via Clickbank, and therefore has given a refund guarantee.

Here's a refund request received;

Please issue a refund. I've never even cranked up the program to use it.

I mean, come on - this is precisely the sort of customer who plays the Clickbank system to his own advantage.  Buy a product - claim a refund - keep the product.  It makes me steaming mad, and glad that I live in a country where both sellers and buyers have protection, rather than just the seller who gets protected.

Worse, this joker has bought the product and yet never even used it (supposedly).  And has the audacity to ask for a refund.  At least use the product a few times so you know it's not for you before submitting a refund request.
Now, Paypal have got their act together when it comes to UK sellers - they know the Law of this land prevents them from issuing any sort of refund to a buyer (of a digital product), without the express approval of the Seller/Paypal Account Holder. How I wish Clickbank would wise up, all it would take is one UK court case and they'd be in a world of hurt.
Moral of the Story;

Avoid Clickbank like the plague.  I won't be offering any future products through Clickbank, so probably will never JV again - it's been quite a futile exercise to be honest and I will blog about my JV adventures in a future post.