Purpose
This policy explains how requests for refunds are reviewed for digital counseling services focused on debt management, including courses, workshops, templates, trackers, and asynchronous coaching.

Nature of Digital Services
All offerings are delivered digitally. Access is typically provided immediately after purchase by email link or account portal. Because delivery happens electronically, nothing is shipped and nothing is physically returned.

Definitions
“Content” refers to videos, PDFs, spreadsheets, scripts, prompts, and checklists.
“Service” refers to live or asynchronous coaching, audits, reviews, or Q&A related to debt topics.
“Access issue” means a technical problem that prevents you from opening or using delivered content with reasonable, commonly available tools.

General Principles
We aim to be fair, transparent, and supportive while protecting the integrity of our intellectual property. Requests are assessed case by case, with emphasis on resolving access issues and preventing duplicate billing.

Access and Delivery Problems
If you did not receive an access email, download link, or portal credentials, contact support with your order number and purchase email so we can reissue access. If a file is corrupted or a link fails, a fresh copy or alternate format will be provided.

Duplicate Purchases
If the same product was purchased multiple times by mistake, a remedy will be offered for the extra instance after verification of the duplicate transaction.

Unauthorized Transactions
If you did not authorize the charge, notify us immediately so we can investigate. When appropriate, access credentials will be disabled to secure your account.

Incompatibility
Most content opens in standard, widely available software. If you cannot open a file, we will make commercially reasonable efforts to supply a compatible format or an online version with equivalent functionality.

Misrepresentation and Abuse
To protect customers and the creators, we may decline requests that are based on misrepresentation, that involve substantial consumption of the service followed by a refund request, or that seek ongoing access after a refund is granted.

Live and Asynchronous Services
For live sessions or asynchronous coaching, remedies focus on ensuring delivery of the agreed service. If a coach is unavailable at a scheduled time, a new time will be arranged or an equivalent service credit will be issued.

Chargebacks
Please contact us first. Most payment disputes arise from simple access problems that can be solved quickly. Filing a chargeback before contacting support may delay resolution.

Changes to this Policy
This policy may be updated to reflect new products, platforms, or legal requirements. Material changes will be communicated on the checkout page or in the purchase confirmation.

Contact
For assistance, include your order number, purchase email, and a brief description of the issue. Screenshots and error messages help us resolve technical problems faster.

Scope and Expectations
Debt-related education and coaching provide frameworks and tools; results depend on your implementation, cash flow, and creditor policies. Examples and calculators illustrate concepts and cannot predict specific outcomes. We do not provide legal, accounting, or investment services, and we do not contact creditors on your behalf unless written authorization exists. When a product description lists deliverables, those deliverables define completion of the service. If an item includes community access or forums, participation must follow conduct rules; access may be limited to protect from spam or harassment. Accurate information in questionnaires and check-ins improves personalization, speeds troubleshooting, helping us resolve issues.