Personal Financial Development in the USA

Refund Policy

Last updated: November 10, 2023

At Personal Financial Development, we are committed to providing high-quality financial consultation services and products. We understand that circumstances may arise where you need to request a refund. This Refund Policy outlines the conditions under which refunds are granted, the refund process, and exceptions to our refund policy.

Please read this policy carefully before making a purchase. By purchasing our services or products, you agree to the terms of this Refund Policy.

1. Refund Conditions

We offer refunds under the following conditions:

One-Time Consultation Services:

• Satisfaction Guarantee: If you are not satisfied with your initial consultation, we offer a 100% refund if requested within 24 hours of the completion of the consultation.
• Cancellation: Full refund if you cancel at least 48 hours before your scheduled consultation.
• Late Cancellation: 50% refund if you cancel between 24-48 hours before your scheduled consultation.
• No-Show: No refund for missed consultations without prior notice.

Subscription-Based Services:

• Monthly Subscriptions: You may cancel your subscription at any time. Refunds are not provided for partial months, but your subscription will remain active until the end of the current billing period.
• Annual Subscriptions: If you cancel within 14 days of purchase, you will receive a full refund. After 14 days, refunds are issued on a prorated basis for the unused portion, less a 10% administrative fee.

Digital Products and Courses:

• Downloadable Content: Due to the digital nature of these products, all sales are final once the content has been downloaded or accessed.
• Online Courses: We offer a 7-day money-back guarantee from the date of purchase if you have completed less than 25% of the course.

Webinars and Events:

• Live Webinars: Full refund if canceled at least 7 days before the event, 50% refund if canceled 3-7 days before the event, no refund for cancellations less than 3 days before the event.
• Recorded Webinars: No refunds once access has been granted.

2. Refund Process

To request a refund, please follow these steps:

1. Submit a Refund Request: Contact our customer service team via email at refunds@financedev.com or through the contact form on our website. Include your order number, the date of purchase, and the reason for your refund request.
2. Review Process: Our team will review your request within 3 business days. We may contact you for additional information if needed.
3. Approval or Denial: You will receive an email notification regarding the approval or denial of your refund request.
4. Refund Processing: If approved, refunds are processed to the original payment method used for the purchase. Processing times vary depending on your payment provider:
   • Credit Card: 5-10 business days
   • PayPal: 3-5 business days
   • Bank Transfer: 7-14 business days

3. Refund Timeframes

To be eligible for a refund, your refund request must be submitted within the following timeframes:

• One-Time Consultation Services: Within 24 hours of the consultation for satisfaction guarantee; 48 hours before the scheduled consultation for cancellations.
• Monthly Subscriptions: Before the next billing cycle to avoid being charged for the upcoming month.
• Annual Subscriptions: Within 14 days of purchase for a full refund; anytime during the subscription period for a prorated refund.
• Digital Products: Not eligible once downloaded or accessed.
• Online Courses: Within 7 days of purchase and with less than 25% course completion.
• Webinars: At least 7 days before the scheduled event for a full refund.

4. Exceptions to the Refund Policy

Refunds will not be issued in the following circumstances:

• For services already rendered or consultations already provided (except under our satisfaction guarantee)
• For digital products that have been downloaded, accessed, or where access credentials have been provided
• If you have violated our Terms and Conditions
• For subscription services after the specified cancellation period
• In cases of fraudulent activity or misuse of our services
• For purchases made more than 30 days ago (unless specifically covered by our subscription policies)

Additionally, we reserve the right to refuse refunds in cases where we suspect abuse of our refund policy, such as repeated purchase and refund requests.

5. Special Circumstances

We understand that special circumstances may arise. In cases of:

• Technical Issues: If you experience technical issues that prevent you from accessing our services and our support team cannot resolve them, you may be eligible for a refund regardless of the standard policy.
• Emergency Situations: In case of documented medical emergencies or family crises, we may extend the refund eligibility period at our discretion.
• Service Cancellation by Us: If we cancel a service or event, you will receive a full refund or the option to reschedule, depending on availability.

These special circumstances will be evaluated on a case-by-case basis and may require documentation.

6. Changes to the Refund Policy

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

For purchases made prior to a policy change, the refund policy in effect at the time of purchase will apply.

7. Contact Information

If you have questions about our Refund Policy or would like to request a refund, please contact our customer service team at:

We aim to respond to all inquiries within 1-2 business days.

8. Legal Rights

This Refund Policy does not affect your statutory rights as a consumer. If you are located in a jurisdiction with consumer protection laws that provide additional rights, this policy supplements those rights rather than replacing them.