Refund Policy

Last Updated: October 1, 2023

Thank you for choosing Financial Literacy for New Canadians. We are committed to providing high-quality financial education and services to help newcomers build a strong financial foundation in Canada. This Refund Policy outlines our guidelines for refunds and cancellations for our various services.

Please read this policy carefully before purchasing any of our services. By making a purchase, you acknowledge that you have read, understood, and agree to be bound by this Refund Policy.

1. General Refund Policy

At Financial Literacy for New Canadians, we strive to ensure your complete satisfaction with our services. However, we understand that there may be circumstances where a refund is appropriate. Our refund eligibility varies depending on the type of service purchased:

Service Type	Refund Eligibility	Refund Timeline
One-on-one Consultations	Up to 48 hours before scheduled appointment	7-10 business days
Financial Roadmap Package ($199)	Within 14 days of purchase, before first consultation	7-10 business days
Comprehensive Support Subscription	Pro-rated for unused portion after 3-month minimum commitment	7-10 business days
Group Workshops	Up to 7 days before scheduled workshop	7-10 business days
Digital Products/Resources	Within 14 days of purchase, if not downloaded/accessed	7-10 business days

2. Consultation Services

2.1 Cancellation and Rescheduling

For individual consultation services:

• Cancellations made more than 48 hours in advance: You will receive a full refund or have the option to reschedule at no additional cost.
• Cancellations made less than 48 hours in advance: No refund will be provided, but you may reschedule your appointment one time at no additional cost, subject to availability.
• No-shows: If you fail to attend your scheduled consultation without prior notice, no refund will be provided, and you will forfeit your appointment.

2.2 Financial Roadmap Package

For our Financial Roadmap Package ($199 one-time fee):

• You may request a full refund within 14 days of purchase, provided that you have not yet attended your first consultation.
• If you have already attended your consultation, no refund will be provided.
• The 30-day email support period begins after your consultation and cannot be refunded once started.

3. Subscription Services

3.1 Comprehensive Support Subscription

For our Comprehensive Support Subscription ($99/month with 3-month minimum commitment):

• No refunds are available during the initial 3-month commitment period.
• After the initial 3-month period, you may cancel your subscription at any time.
• If you cancel after the 3-month minimum period, we will provide a pro-rated refund for any unused portion of your current billing cycle.
• To cancel your subscription, you must provide written notice at least 7 days before your next billing date.

3.2 Automatic Renewals

Subscription services automatically renew until cancelled. You may cancel your subscription at any time by contacting us at info@financialliteracy.ca or through your account settings on our Website.

4. Group Workshops and Webinars

• Cancellations made more than 7 days in advance: You will receive a full refund.
• Cancellations made less than 7 days in advance: No refund will be provided, but you may transfer your registration to another person or apply the fee to a future workshop (to be used within 6 months).
• If we cancel a workshop: You will receive a full refund or have the option to transfer to another workshop date.

5. Digital Products and Resources

For digital products, e-books, and downloadable resources:

• We offer a 14-day money-back guarantee from the date of purchase, provided that you have not downloaded or accessed the digital content.
• Once you have downloaded or accessed the digital content, no refund will be provided due to the nature of digital products.

6. Dissatisfaction with Services

If you are dissatisfied with any of our services:

• Please contact us within 7 days of service delivery to discuss your concerns.
• We will work with you to address any issues and may offer, at our discretion, partial refunds, service credits, or additional support to resolve your concerns.
• All requests will be evaluated on a case-by-case basis.

7. How to Request a Refund

To request a refund, please:

1. Email us at info@financialliteracy.ca with the subject line "Refund Request"
2. Include your full name, the service purchased, date of purchase, and reason for requesting a refund
3. Provide your order number or payment confirmation if available

We will process your request and respond within 5 business days. Approved refunds will be issued to the original payment method used for the purchase and may take 7-10 business days to process, depending on your financial institution.

8. Force Majeure

Financial Literacy for New Canadians is not liable for any failure to perform due to causes beyond its reasonable control including, but not limited to, acts of God, acts of civil authorities, acts of military authorities, riots, embargoes, acts of nature and natural disasters, and other acts which may be due to unforeseen circumstances.

9. Changes to This Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting on our Website. It is your responsibility to review this Refund Policy periodically. Your continued use of our services after any changes indicates your acceptance of the modified Refund Policy.

10. Contact Us