Refund Policy | Financial Literacy for New Canadians

Introduction

At Financial Literacy for New Canadians, we are committed to providing high-quality financial education services and resources. This Refund Policy outlines the terms and conditions regarding refunds for our paid services, consultations, workshops, and digital products.

Please read this policy carefully before purchasing any of our services or products. By making a purchase, you agree to be bound by this Refund Policy.

Services Covered by This Policy

This Refund Policy applies to the following services and products offered by Financial Literacy for New Canadians:

One-on-one financial consultations (in-person or virtual)
Group workshops and seminars
Digital products (e-books, templates, calculators, etc.)
Online courses and webinars
Subscription services

One-on-One Financial Consultations

Cancellation Prior to Scheduled Consultation

If you need to cancel a scheduled one-on-one consultation, our policy is as follows:

48+ hours notice: Full refund or option to reschedule
24-48 hours notice: 75% refund or option to reschedule
Less than 24 hours notice: 50% refund or option to reschedule
No-show: No refund provided

To cancel or reschedule a consultation, please contact us at info@financialliteracy.ca or call +445833553587.

Satisfaction Guarantee

We strive to provide valuable and actionable financial guidance. If you are dissatisfied with your consultation for any reason, please contact us within 7 days of your session. We will work with you to address your concerns, which may include:

Offering a follow-up session at no additional cost
Connecting you with a different financial advisor
Providing a partial or full refund, determined on a case-by-case basis

Workshops and Seminars

Group Workshop Cancellation

For in-person or virtual group workshops:

7+ days before event: Full refund
3-6 days before event: 75% refund
1-2 days before event: 50% refund
Day of event or no-show: No refund

Workshop Cancellation by Financial Literacy for New Canadians

If we need to cancel a workshop or seminar due to unforeseen circumstances (such as instructor illness, technical difficulties, or insufficient enrollment), we will offer you the following options:

Full refund of your registration fee
Transfer to another workshop date
Credit toward future services or products

Digital Products

Due to the nature of digital products, all sales of e-books, downloadable templates, calculators, and other digital resources are final and non-refundable once the download or access has been provided.

However, if you encounter technical issues with accessing or using the digital product, please contact our support team at support@financialliteracy.ca within 7 days of purchase, and we will assist you in resolving the issue.

Online Courses and Webinars

Recorded Courses

For our pre-recorded online courses:

We offer a 14-day money-back guarantee from the date of purchase if you are dissatisfied with the course content
To be eligible for a refund, you must not have completed more than 25% of the course material
Your refund request must include specific feedback about why the course did not meet your expectations

Live Webinars

For live webinar events:

72+ hours before webinar: Full refund
24-72 hours before webinar: 75% refund
Less than 24 hours before webinar: No refund, but access to the recording will be provided

If you miss a live webinar, a recording will be made available to registered participants for 30 days following the event.

Subscription Services

For our subscription-based services:

You may cancel your subscription at any time through your account settings or by contacting us
No refunds are provided for partial subscription periods
Upon cancellation, you will maintain access to the subscription services until the end of your current billing period

For annual subscriptions paid in advance, we offer a 14-day money-back guarantee from the date of initial purchase if you are dissatisfied with the service.

How to Request a Refund

To request a refund, please follow these steps:

Contact us at info@financialliteracy.ca or call +445833553587
Include your full name, email address used for the purchase, and order/transaction ID (if available)
Provide the date of purchase and the specific service or product
Explain the reason for your refund request

We will respond to your refund request within 3 business days.

Refund Processing

Once approved, refunds will be processed as follows:

Refunds will be issued to the original payment method used for the purchase
Processing time typically takes 5-10 business days, depending on your payment provider
In some cases, we may issue refunds as credit toward future services

Exceptions and Special Circumstances

We understand that special circumstances may arise. In cases of medical emergencies, family emergencies, or other extenuating circumstances, we may make exceptions to our standard refund policy. Please contact us as soon as possible with any relevant documentation, and we will review your case individually.

Promotional or Discounted Purchases

Services or products purchased with promotional codes, special discounts, or as part of a bundle may have different refund terms. Any special refund conditions will be clearly communicated at the time of purchase.

In general, the refund amount for discounted purchases will be based on the actual amount paid, not the original price.

Free Resources and Services

Many resources on our website are provided free of charge, including blog articles, basic calculators, and introductory guides. These free resources are provided as-is without any warranty or guarantee, and as such, no refunds apply.

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. It is your responsibility to review this policy periodically for changes. Your continued use of our services after the posting of changes constitutes your acceptance of such changes.

Contact Us

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

Financial Literacy for New Canadians
813 Collins Course
Freddiefurt KA13 7NR
Canada
Email: info@financialliteracy.ca
Phone: +445833553587