Cancellation & Refund Policy

Effective 22 October 2026

This policy applies to memberships and individual digital stock purchases made directly from Local Living. It does not limit mandatory rights under applicable consumer law.

Cancel a trial

Cancel through the member account before the trial ends to avoid the first paid monthly charge. The exact trial end and upcoming charge are shown by Stripe. Access and unused trial downloads end when the trial expires or is cancelled.

Cancel a paid membership

You may cancel a recurring Stripe membership at any time through “Manage or cancel” in the member account. Cancellation prevents the next renewal; access normally continues until the end of the current paid billing period. BML Swipe memberships are prepaid and normally end on the displayed expiry date without automatic renewal.

Membership refunds

Completed subscription charges are normally non-refundable once the paid period begins or an original has been downloaded. Contact us promptly if you were charged after a timely cancellation, charged twice, unable to access the service because of a verified technical fault, or believe a charge was unauthorised. We will investigate and provide a refund or other remedy when required by law or justified by the circumstances.

Individual stock purchases

Because a digital original and licence are supplied immediately after confirmed payment, change-of-mind refunds are normally unavailable after the original is downloaded or the secure link is delivered. If the wrong file is delivered, the file is materially defective, or the licence materially differs from checkout, contact us within 14 days for a replacement, correction or appropriate refund.

Effect of a refund

Unless law requires otherwise, a full refund ends the related licence and the customer must stop new use, remove unpublished copies and delete original files. A refund does not excuse use that occurred outside the licence.

Processing

Approved refunds return to the original payment method. Stripe, BML Swipe and the customer’s bank control final processing time, currency conversion and any bank fees.