Refund Policy

Introduction

At Phisigeoly, we are committed to ensuring your satisfaction with our financial consulting services. This Refund Policy outlines our guidelines for refunds and cancellations. By purchasing or using our services, you agree to the terms of this Refund Policy.

We encourage you to review this policy carefully. If you have any questions, please contact us using the information provided at the end of this document.

1. Scope of Policy

This Refund Policy applies to all services offered by Phisigeoly, including but not limited to:

• Financial consultations and planning sessions
• Investment advisory services
• Retirement planning
• Budgeting assistance
• Financial workshops and seminars
• Digital financial products and resources

2. Consultation Services

2.1 Initial Consultations

We offer a free initial consultation to prospective clients. As these consultations are provided at no cost, no refund policy applies to these sessions.

2.2 Paid Consultations

For paid consultation services:

• Cancellation with 48+ hours notice: Full refund or rescheduling option.
• Cancellation with 24-48 hours notice: 75% refund or rescheduling option.
• Cancellation with less than 24 hours notice: 50% refund or rescheduling option at our discretion.
• No-shows: No refund will be provided for clients who fail to attend their scheduled consultation without prior notice.

To cancel or reschedule an appointment, please contact us as soon as possible via email at [email protected] or by phone at +233 54 606 7729.

3. Service Packages

3.1 Financial Planning Packages

For comprehensive financial planning packages:

• Cancellation within 7 days of purchase (before work begins): Full refund minus a 5% administrative fee.
• Cancellation after work has begun but before delivery of final plan: Prorated refund based on work completed, minus a 10% administrative fee.
• Cancellation after delivery of final plan: No refund.

3.2 Subscription Services

For ongoing subscription-based services:

• You may cancel your subscription at any time.
• Refunds are not provided for partial billing periods.
• Upon cancellation, you will maintain access to the subscription until the end of your current billing period.

4. Workshops and Seminars

4.1 In-Person Events

For in-person workshops, seminars, and other events:

• Cancellation with 14+ days notice: Full refund minus a 5% administrative fee.
• Cancellation with 7-13 days notice: 75% refund.
• Cancellation with 1-6 days notice: 50% refund.
• Cancellation with less than 24 hours notice or no-show: No refund.

4.2 Virtual Events

For virtual workshops and webinars:

• Cancellation with 7+ days notice: Full refund minus a 5% administrative fee.
• Cancellation with 1-6 days notice: 75% refund.
• Cancellation with less than 24 hours notice: 50% refund.
• No-shows: Access to the recording (if available) but no refund.

4.3 Event Cancellation by Phisigeoly

If we cancel an event for any reason:

• You will receive a full refund of your registration fee.
• Alternatively, you may choose to apply your payment to a future event.

5. Digital Products

5.1 Downloadable Resources

Due to the nature of digital products that can be downloaded and duplicated:

• All sales of downloadable digital products (e-books, financial templates, calculators, etc.) are final.
• No refunds will be provided once the digital product has been delivered.

5.2 Online Courses

For online courses and educational programs:

• Cancellation within 7 days of purchase (if less than 25% of course content has been accessed): Full refund minus a 5% administrative fee.
• Cancellation after 7 days or if more than 25% of course content has been accessed: No refund.

6. Exceptions and Special Circumstances

6.1 Service Quality Issues

If you believe that the service provided did not meet reasonable quality standards:

• Please notify us in writing within 7 days of service delivery, detailing the specific issues.
• We will review your request and may offer a partial or full refund, or an opportunity to receive the service again at no additional cost.

6.2 Technical Issues

For technical issues that significantly impact your ability to access or use our digital services:

• Please contact our support team immediately when the issue occurs.
• We will work to resolve the issue or provide appropriate compensation if the service cannot be delivered as promised.

6.3 Extenuating Circumstances

We understand that unforeseen circumstances may arise. In cases of serious illness, family emergency, or other extraordinary situations:

• Please contact us as soon as possible.
• We will work with you to reschedule services or provide alternatives.
• Documentation may be required for refund requests based on extenuating circumstances.

7. Refund Process

7.1 How to Request a Refund

To request a refund:

1. Contact us via email at [email protected] or by phone at +233 54 606 7729.
2. Include your full name, service details, date of purchase, and reason for requesting a refund.
3. Provide any relevant documentation or information that supports your refund request.

7.2 Refund Processing

If your refund request is approved:

• Refunds will be processed using the same payment method used for the original purchase when possible.
• Processing time typically takes 7-14 business days, depending on your financial institution.
• You will receive a confirmation email once the refund has been processed.

8. Changes to This 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 after any changes to this policy constitutes your acceptance of the revised policy.

The date at the top of this policy indicates when it was last updated. We encourage you to review this policy periodically.

9. Contact Information

If you have any questions about our Refund Policy, please contact us at:

We are committed to fair resolution of any concerns or issues and will respond to your inquiry promptly.