Refund Policy

1. Refund Policy Overview

At Family Budget Planning for New Parents, we are committed to ensuring your satisfaction with our services and products. This Refund Policy outlines the conditions under which we will provide refunds for purchased services, consultations, and digital products.

We understand that circumstances may arise where a refund is necessary, and we strive to handle all refund requests fairly and transparently. Please read this policy carefully to understand your rights and our obligations regarding refunds.

2. Conditions for Refunds

We offer refunds under the following conditions:

2.1 Online Courses and Digital Products

• 14-Day Satisfaction Guarantee: If you are not satisfied with your purchase of our digital courses or e-books, you may request a refund within 14 days of the purchase date.
• Usage Limitations: Refunds will only be issued if you have completed less than 30% of the course content or accessed the digital product fewer than 3 times.
• Quality Issues: If there are technical issues with the delivery or functionality of our digital products that we cannot resolve, you are entitled to a full refund regardless of the time elapsed since purchase.

2.2 Consultation Services

• Cancellation Before Service: If you cancel a scheduled consultation at least 48 hours before the appointment time, you are eligible for a full refund.
• Cancellation Within 48 Hours: If you cancel a scheduled consultation less than 48 hours before the appointment time, you may receive a 50% refund or reschedule your appointment at no additional cost.
• No-Shows: If you fail to attend a scheduled consultation without prior notice, no refund will be issued.
• Service Quality: If you are dissatisfied with the quality of a consultation you attended, please contact us within 7 days of the consultation to discuss potential partial refunds or additional services to address your concerns.

2.3 Subscription Services

• Monthly Subscriptions: For monthly subscription services, you may cancel at any time. No refunds will be provided for the current billing period, but you will not be charged for subsequent periods.
• Annual Subscriptions: For annual subscription services, you may request a prorated refund for the unused portion of your subscription if you cancel within 30 days of purchase. After 30 days, no refunds will be issued for cancellations of annual subscriptions.

3. Refund Process and Timeframes

3.1 How to Request a Refund

To request a refund, please follow these steps:

1. Contact our customer support team at refunds@familybudgetplanning.com or call +44 440 211 7364.
2. Provide your order number, the date of purchase, and a brief explanation of why you are requesting a refund.
3. For quality issues with digital products or services, please provide specific details about the problems you encountered.

3.2 Refund Processing Time

Once your refund request is approved, we will process it as follows:

• Credit Card Payments: Refunds will be issued to the original credit card used for the purchase within 5-10 business days.
• PayPal Payments: Refunds will be processed to your PayPal account within 3-5 business days.
• Bank Transfers: Refunds via bank transfer may take 7-14 business days to appear in your account.

Please note that while we process refunds promptly on our end, it may take additional time for the funds to appear in your account depending on your financial institution's policies.

4. Exceptions to the Refund Policy

The following situations are not eligible for refunds:

• Complimentary Services: Any services or products provided free of charge are not eligible for refunds.
• Customized Financial Plans: Once we have delivered a customized financial plan created specifically for your family, it is not eligible for a refund due to the personalized nature of the service.
• Downloadable Resources: Due to their digital nature, downloadable resources such as budgeting templates, worksheets, and calculators are not refundable once they have been downloaded.
• Service Completion: If you have received and completed the full service as described, you are not eligible for a refund based on a change of mind.
• Policy Violations: If you have violated our Terms and Conditions or other policies, we reserve the right to deny refund requests.

5. Special Circumstances

5.1 Technical Issues

If you experience technical difficulties that prevent you from accessing or using our services properly, please contact our support team immediately. We will make every effort to resolve the issue before considering a refund. If the issue cannot be resolved in a reasonable timeframe, you may be eligible for a full refund.

5.2 Personal Emergencies

In cases of serious personal emergencies (such as medical emergencies or family crises) that prevent you from using a service you've purchased, please contact us as soon as possible. We will evaluate these situations on a case-by-case basis and may offer extended access periods, rescheduling options, or partial refunds.

6. Contact Information for Refund Inquiries

If you have any questions about our Refund Policy or need to request a refund, please contact us using one of the following methods:

We aim to respond to all refund inquiries within 2 business days.