Refund Policy

1. Products and Services Covered

This Refund Policy applies to the following products and services offered by Financial Wisdom:

• Online courses and educational programs
• Financial planning resources and tools
• Webinars and workshops
• Premium membership subscriptions
• One-on-one consultation services
• E-books and downloadable resources

2. Refund Eligibility

2.1 Digital Products and Online Courses

For digital products and online courses, we offer a 14-day money-back guarantee from the date of purchase, subject to the following conditions:

• You have not completed more than 30% of the course content
• You have not downloaded more than 30% of downloadable resources
• You can provide a valid reason for your dissatisfaction with the product

2.2 Subscription Services

For subscription-based services:

• Monthly subscriptions: You may cancel at any time, and no further charges will be made. We do not provide partial refunds for unused portions of the current billing period.
• Annual subscriptions: Refunds are available within the first 30 days of the initial subscription or renewal. After 30 days, we do not provide prorated refunds for the unused portion of your subscription period.

2.3 Consultation Services

For one-on-one consultation services:

• Cancellations made more than 48 hours before the scheduled consultation are eligible for a full refund
• Cancellations made between 24-48 hours before the scheduled consultation are eligible for a 50% refund
• Cancellations made less than 24 hours before the scheduled consultation are not eligible for a refund
• If you fail to attend a scheduled consultation without notice ("no-show"), no refund will be provided

2.4 Live Webinars and Workshops

For live webinars and workshops:

• Cancellations made more than 7 days before the event are eligible for a full refund
• Cancellations made between 3-7 days before the event are eligible for a 50% refund
• Cancellations made less than 3 days before the event are not eligible for a refund
• If you are unable to attend, you may transfer your registration to another person at no additional cost

3. Non-Refundable Items

The following items are not eligible for refunds under any circumstances:

• Products or services clearly marked as "non-refundable" at the time of purchase
• Products or services that have been fully delivered or completed
• Custom or personalized financial plans created specifically for you
• Group coaching or mastermind programs after the program has commenced
• Products purchased during special promotional sales clearly marked as "final sale"

4. Refund Process

4.1 How to Request a Refund

To request a refund, please follow these steps:

1. Contact our customer support team at refunds@financialwisdom.com
2. Include the following information in your request:
   • Your full name
   • Order number or receipt
   • Date of purchase
   • Product or service purchased
   • Reason for requesting a refund
3. Our team will review your request and respond within 3 business days

4.2 Processing Time

Once approved, refunds will be processed as follows:

• Credit card payments: 5-10 business days to appear on your statement
• PayPal payments: 3-5 business days
• Bank transfers: 5-7 business days

Please note that processing times may vary depending on your financial institution.

4.3 Refund Method

Refunds will be issued using the same payment method used for the original purchase. For example:

• If you paid by credit card, your refund will be credited back to the same card
• If you paid via PayPal, your refund will be sent to your PayPal account
• If the original payment method is no longer available, we will work with you to arrange an alternative refund method

5. Special Circumstances

5.1 Technical Issues

If you experience technical issues that significantly impact your ability to access or use our products or services, please contact our support team immediately. We will work to resolve the issue and, if necessary, extend your access period or provide a partial or full refund based on the nature and severity of the problem.

5.2 Service Interruptions

In the event of extended service interruptions or downtime (more than 24 hours) that prevent access to purchased content, we may offer:

• Extended access to the content
• Partial refund proportionate to the duration of the interruption
• Full refund if the service cannot be restored

5.3 Cancellation by Financial Wisdom

If Financial Wisdom needs to cancel a service, event, or program, we will provide:

• A full refund of the purchase price
• Or, if you prefer, credit toward another product or service of equal value

6. Exchanges

We do not offer direct exchanges of products or services. If you wish to purchase a different product, you will need to request a refund (if eligible) and place a new order for the desired item.

7. Dispute Resolution

If you are not satisfied with our decision regarding your refund request, please contact our customer service team to escalate your concern. We aim to resolve all disputes fairly and promptly.

If we cannot reach a mutually agreeable solution, you may have the right to seek resolution through alternative dispute resolution mechanisms or your local consumer protection authority.

8. Changes to This Policy

We reserve the right to modify this Refund Policy at any time. Any changes will be effective immediately upon posting the updated policy on our website. Your continued use of our services following the posting of changes constitutes your acceptance of those changes.

The Refund Policy that applies to your purchase is the version in effect at the time of your purchase.

9. Contact Information

If you have any questions about this Refund Policy or would like to request a refund, please contact us at:

Our customer service team is available Monday through Friday, 9:00 AM to 5:00 PM UK time.