Refund Policy

Introduction

At ValoraGerly, we strive to provide high-quality financial advisory services and educational content. We understand that sometimes a service or product may not meet your expectations. This Refund Policy outlines the circumstances under which we offer refunds for our services and digital products.

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

Services Covered by This Policy

This Refund Policy applies to the following services and products offered by ValoraGerly:

• One-on-one financial consultations
• Group financial planning workshops
• Digital financial courses and educational materials
• Premium subscription content
• Financial planning templates and tools

Financial Consultation Services

Cancellation Before Scheduled Session

If you need to cancel a scheduled financial consultation, the following terms apply:

• More than 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 without notice: No refund

Dissatisfaction with Consultation Services

If you are not satisfied with a consultation service you have received, please contact us within 7 days of the service delivery. We will work with you to address your concerns in one of the following ways:

• Offer a complementary follow-up session to address any outstanding questions or concerns
• Provide a partial refund based on the specific circumstances
• Offer a full refund in cases where our services clearly did not meet reasonable professional standards

Each situation will be evaluated on a case-by-case basis. Our primary goal is to ensure you receive the value and guidance you expected.

Digital Products and Courses

Cooling-Off Period

For digital products and online courses, we offer a 14-day cooling-off period from the date of purchase. If you are not satisfied with your purchase, you may request a refund within this period, provided that:

• You have not downloaded more than 25% of the digital materials
• You have not completed more than 25% of the course content
• You can provide a valid reason for your dissatisfaction with the product

Technical Issues

If you experience technical issues that prevent you from accessing or using our digital products or courses, we will first attempt to resolve these issues. If we cannot resolve the technical problems within a reasonable timeframe, we will issue a full refund.

Non-Refundable Digital Products

The following digital products are non-refundable once accessed or downloaded:

• Individual financial planning templates
• Budget calculators and tools
• Any digital product clearly marked as "non-refundable" at the time of purchase

Subscription Services

Cancellation of Subscription

You may cancel your subscription to our premium content or services at any time:

• For monthly subscriptions: No refund will be issued for the current billing period, but no further charges will be made
• For annual subscriptions: A prorated refund may be issued for the unused portion of your subscription if cancelled within 30 days of the most recent renewal

Free Trial Periods

If you cancel during a free trial period, no charges will be made to your payment method. It is your responsibility to cancel before the trial period ends if you do not wish to continue with a paid subscription.

Group Workshops and Events

Virtual Workshops

• Cancellation more than 7 days before the event: Full refund
• Cancellation 3-7 days before the event: 75% refund
• Cancellation less than 3 days before the event: 50% refund
• No-show: No refund

In-Person Workshops

• Cancellation more than 14 days before the event: Full refund
• Cancellation 7-14 days before the event: 75% refund
• Cancellation 3-7 days before the event: 50% refund
• Cancellation less than 3 days before the event: No refund

Workshop Cancellation by ValoraGerly

If ValoraGerly cancels a workshop or event, you will be offered the following options:

• Full refund of the registration fee
• Transfer of registration to another workshop date
• Credit toward other ValoraGerly services or products

How to Request a Refund

To request a refund, please contact our customer support team through one of the following methods:

• Email: refunds@valoragerly.com with the subject line "Refund Request"
• Phone: +440784504746 (Monday to Friday, 9:00 AM - 5:00 PM UK time)
• Contact Form: Complete the refund request form on our Contact page

Please include the following information in your refund request:

• Your full name and contact information
• Order number or transaction ID
• Date of purchase
• Product or service purchased
• Reason for requesting a refund
• Any relevant supporting information or documentation

Refund Processing

All approved refunds will be processed within 14 business days from the approval date. Refunds will be issued using the same payment method used for the original purchase unless otherwise agreed upon.

Please note that:

• Bank and credit card processing fees are non-refundable
• Depending on your financial institution, it may take an additional 5-10 business days for the refunded amount to appear in your account
• For purchases made with payment methods other than credit/debit cards (e.g., bank transfers), additional information may be required to process your refund

Exceptions and Special Circumstances

We understand that exceptional circumstances may arise. In cases of serious illness, family emergency, or other extenuating circumstances, we may make exceptions to our standard refund policy. Such situations will be evaluated on a case-by-case basis.

Please contact us as soon as possible if you believe your situation warrants special consideration.

No Refunds for Third-Party Services

ValoraGerly may recommend third-party products or services as part of our financial advisory services. We are not responsible for the quality or performance of these third-party offerings, and our refund policy does not cover purchases made from third parties, even if recommended by us.

Fraud Prevention

To protect against fraud, we reserve the right to:

• Verify the identity of individuals requesting refunds
• Request additional information or documentation to support refund claims
• Refuse refunds if we detect fraudulent activity or abuse of our refund policy

Changes to This Policy

We may update this Refund Policy from time to time. Any changes will be posted on this page with a revised "Last Updated" date. We encourage you to review this policy periodically to stay informed about our refund practices.

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

Contact Us

If you have any questions about this Refund Policy or need assistance with a refund, please contact us at:

Email: contact@valoragerly.com

Phone: +440784504746

Address: Studio 59, Carter Circles, Thomaston, AL3 8RN, United Kingdom