Refund Policy
We want you to feel confident about your investment in budget education. Here's what you need to know about refunds and how we handle them.
Last Updated: January 15, 2025 | Effective for all enrollments starting February 2025
Our Approach to Refunds
Look, we get it. Sometimes things don't work out the way you planned. Maybe the course wasn't what you expected, or life threw you a curveball. We've built this policy to be fair while also protecting the time and resources we invest in each student.
This isn't about making it difficult to get your money back. It's about setting clear expectations so everyone knows where they stand from day one.
When You Can Request a Refund
Eligibility Window
We offer refunds within the first 14 days of your course start date. After that window closes, we can't process refund requests. This gives you enough time to explore the materials and decide if it's right for you.
- You've completed less than 25% of the course content
- Your request comes within 14 calendar days from your enrollment date
- You submit a formal refund request through our system (not just an email)
- Your account is in good standing with no violations of our terms
- You haven't downloaded or accessed premium materials marked as non-refundable
Important:
Some specialized workshops or bootcamp-style programs have different timelines. We'll always tell you upfront if a specific offering has modified refund terms.
How to Request Your Refund
We've tried to keep this straightforward. No jumping through hoops or endless back-and-forth.
Submit Your Request
Log into your account and navigate to the refund request form. You'll find it under account settings or course management.
Tell Us Why
We ask for brief feedback about your experience. This helps us improve, but it won't affect your refund eligibility.
Wait for Confirmation
Our team reviews requests within 2 business days. You'll get an email confirming approval or explaining any issues.
Receive Your Refund
Once approved, refunds process within 5-10 business days depending on your payment method.
Processing Times
What to Expect
5-7 Business Days
Most credit card refunds appear within a week. Sometimes your bank takes an extra day or two to post it to your statement.
3-5 Business Days
PayPal processes faster than traditional banking. You'll see the credit in your PayPal balance pretty quickly.
7-10 Business Days
Bank transfers take the longest due to inter-bank processing. If you used this method, plan accordingly.
3-7 Business Days
Services like Apple Pay or Google Pay typically process within a week, though it varies by provider.
Different Situations
Not every situation fits neatly into one category. Here's how we handle some common scenarios.
Technical Issues
If you can't access the course due to technical problems on our end, we'll either fix it quickly or offer a full refund regardless of the 14-day window. Document the issue and contact support immediately.
Course Cancellation
If we cancel or significantly alter a course after you've enrolled, you'll receive an automatic full refund. We'll notify you by email and process the refund without requiring a request.
Duplicate Purchases
Accidentally enrolled twice? It happens. Contact us within 30 days and we'll refund the duplicate charge immediately once we verify the error.
Bundle Purchases
When you buy a course bundle, the 14-day window applies to the entire package. We can't refund individual courses from a bundle unless you haven't accessed any content from the entire set.
Subscription Plans
Monthly subscribers can cancel anytime before the next billing cycle. We don't offer prorated refunds for partial months, but you'll keep access until your paid period ends.
Gift Enrollments
If someone gifted you a course, the original purchaser needs to request the refund. The same 14-day rule applies from the recipient's start date.
What's Not Refundable
Being upfront about this saves everyone time and frustration. These items don't qualify for refunds under any circumstances:
- Individual coaching sessions or mentorship hours already scheduled or completed
- Digital downloads like templates, spreadsheets, or bonus materials once accessed
- Certificate fees paid for course completion credentials
- Access fees for specialized software or third-party tools
- Courses marked as "final sale" during promotional periods (clearly indicated at checkout)
Special Circumstances
Life throws curveballs sometimes. Medical emergencies, family situations, unexpected relocations. We try to be reasonable when legitimate hardships come up.
While we can't guarantee exceptions, we'll consider requests outside our standard policy if you provide documentation. Contact our support team directly and explain your situation. We review these case-by-case and do what we can.
Documentation We May Request
For exceptional circumstances, we might ask for supporting documents like medical certificates or official notices. This protects everyone from policy abuse while allowing us to help when genuinely needed.
Chargebacks and Disputes
Please work with us directly before filing a chargeback with your bank or credit card company. Chargebacks create complications that delay resolution and can affect your account standing.
If you disagree with our refund decision, reach out to our support team first. We're happy to explain our reasoning and explore alternatives. Most issues get resolved through simple conversation.
Note on Disputed Charges:
Filing a chargeback instead of working with us may result in immediate account suspension until the matter resolves. We take payment disputes seriously and need to protect against fraudulent activity.
Policy Changes
We review this policy periodically and update it as needed. When we make changes, we'll notify active students by email and post the updated version here with a new effective date.
Changes apply to new enrollments immediately but won't affect existing students retroactively. If you enrolled under previous terms, those terms govern your refund eligibility.
Questions About This Policy
We know legal documents can be confusing. If something here doesn't make sense or you need clarification before enrolling, just ask. We'd rather answer questions upfront than deal with misunderstandings later.
Our support team monitors email during business hours and typically responds within 24 hours on weekdays. For urgent matters related to active refund requests, we prioritize those inquiries.
Need to Start a Refund Request?
Get in touch with our team and we'll help you through the process.