Refund Policy

Effective Date: January 1, 2025

Last Updated: January 1, 2025

This Refund Policy outlines the terms and conditions for refunds, cancellations, and returns for products and services offered by WealthConsistency (Registration No. 58386668). We are committed to customer satisfaction while maintaining fair business practices.

Please read this policy carefully before purchasing any products or services. By making a purchase, you acknowledge and agree to the terms outlined in this Refund Policy.

1. Overview

WealthConsistency primarily offers educational content, resources, and informational services. Our refund policy varies depending on the type of product or service purchased:

2. Digital Products Refund Policy

2.1 Standard Refund Period

For digital products such as e-books, online courses, premium guides, and downloadable content:

• Refund Window: 14 days from the date of purchase
• Condition: Request must be made within the refund window
• Eligibility: Minimal engagement with the content (less than 25% accessed or downloaded)

2.2 Non-Refundable Digital Products

Refunds will NOT be provided if:

• The product has been fully downloaded or accessed beyond 25% of total content
• More than 14 days have passed since purchase
• The product was purchased during a promotional period marked as "non-refundable"
• The content has been copied, distributed, or shared with third parties
• Technical issues are attributable to your device, internet connection, or software
• You simply changed your mind after consuming substantial content

2.3 Technical Issues

If you experience technical difficulties accessing digital products:

• Contact our support team immediately at [email protected]
• We will work to resolve technical issues within 48 hours
• If issues cannot be resolved, a full refund will be provided
• Technical difficulties on our end will always result in refund eligibility

3. Subscription Services Refund Policy

3.1 Monthly Subscriptions

• Cancellation: You may cancel at any time
• Access: Access continues until the end of the current billing period
• Refunds: No refunds for partial months
• Renewal: Subscriptions auto-renew unless cancelled before renewal date

3.2 Annual Subscriptions

• Refund Window: 30 days from initial purchase
• Pro-Rata Refunds: After 30 days, no refunds available
• Cancellation: May be cancelled anytime, access continues through paid period
• Renewal: Annual subscriptions auto-renew unless cancelled 7 days before renewal

3.3 Free Trial Periods

If a free trial is offered:

• You may cancel anytime during the trial period without charge
• If not cancelled, subscription begins at trial end and standard charges apply
• Standard refund policies apply to subscription charges after trial
• Only one free trial per customer

4. Consultation and Educational Services

4.1 One-on-One Consultations

• Cancellation Notice: Must provide 48 hours advance notice
• Rescheduling: Free rescheduling with 48 hours notice
• Late Cancellation: Cancellations within 48 hours forfeit 50% of fee
• No-Show: Failure to attend results in full charge, no refund
• Refund After Session: No refunds after session has occurred

4.2 Group Workshops and Webinars

• Refund Window: 7 days before scheduled event
• Partial Refund: 50% refund if cancelled 3-7 days before event
• No Refund: Less than 3 days before event
• Event Cancellation: Full refund if we cancel or reschedule

5. Physical Products (If Applicable)

If WealthConsistency offers physical products such as books or merchandise:

5.1 Return Conditions

• Return Window: 30 days from delivery date
• Condition: Items must be unused and in original packaging
• Return Shipping: Customer responsible for return shipping costs
• Refund Processing: Refund issued within 7 business days of receiving returned item

5.2 Damaged or Defective Items

• Report damage within 7 days of delivery
• Provide photographic evidence of damage
• Full refund or replacement provided
• We cover return shipping for damaged/defective items

6. Refund Request Process

To request a refund, please follow these steps:

1. Contact Us: Email [email protected] with subject line "Refund Request"
2. Provide Information: Include order number, purchase date, product/service name, and reason for refund
3. Response Time: We will respond within 2 business days
4. Review Process: Refund requests are reviewed within 5 business days
5. Approval/Denial: You will be notified of our decision via email
6. Processing Time: Approved refunds are processed within 7-10 business days
7. Payment Method: Refunds issued to original payment method

7. Refund Timeline and Method

Step	Timeline	Action
Refund Request Submitted	Day 0	Customer submits request
Acknowledgment	1-2 business days	We confirm receipt of request
Review Process	2-5 business days	We evaluate eligibility
Decision Notification	5 business days	Approval or denial sent
Refund Processing	7-10 business days	Funds returned to payment method
Bank Processing	3-5 business days	Bank processes refund to account

8. Partial Refunds

In certain circumstances, partial refunds may be offered:

• Subscription Services: Pro-rated refund for unused portion of annual subscriptions (case-by-case basis)
• Technical Issues: Partial refund if service was partially available
• Course Bundles: Refund for unused portions if some content was consumed
• Damaged Products: Discount or partial refund if item has minor defects but is usable

9. Non-Refundable Items and Services

The following are NON-REFUNDABLE under any circumstances:

• Promotional or discounted items marked as "final sale"
• Gift cards or vouchers
• Completed consultation sessions
• Content that has been fully accessed or downloaded
• Services rendered in full
• Third-party products or services we facilitate but do not directly provide

10. Exceptions and Special Circumstances

10.1 Extraordinary Circumstances

We may consider refund requests outside standard policy for:

• Serious illness or medical emergencies
• Death of purchaser or immediate family member
• Natural disasters or force majeure events
• Military deployment

Documentation may be required. Contact us to discuss your situation.

10.2 Duplicate Charges

If you were charged multiple times for the same product/service:

• Contact us immediately
• Provide transaction details
• Duplicate charges will be refunded within 3-5 business days

11. Payment Processing

11.1 Refund Methods

Refunds are issued to the original payment method:

• Credit/Debit Cards: Refund appears in 7-10 business days
• PayPal: Refund appears in 3-5 business days
• Bank Transfer: Refund appears in 5-10 business days
• Other Methods: Processing time varies by provider

11.2 Currency Conversion

For international transactions:

• Refunds issued in original transaction currency
• Currency conversion fees (if any) are not refundable
• Exchange rate fluctuations may result in slight variations

12. Dispute Resolution

If you are unsatisfied with our refund decision:

1. Contact our customer service team at [email protected]
2. Request escalation to management review
3. Provide detailed explanation of your concern
4. Management will review within 5 business days
5. Final decision will be communicated in writing

13. Chargeback Policy

If you initiate a chargeback with your bank or credit card company:

• Please contact us first to resolve the issue
• Chargebacks may result in account suspension
• We reserve the right to dispute unwarranted chargebacks
• Chargeback fees may be passed to customers if dispute is found in our favor

14. Changes to Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting to our website with an updated "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the modified policy.

15. Contact Information

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Note: This Refund Policy is part of our Terms & Conditions. By making a purchase, you acknowledge that you have read, understood, and agree to this Refund Policy.