Refund Policy
We believe in transparency when it comes to refunds. Below you'll find everything about how we handle refund requests for our budgeting programs.
Our Commitment to You
Look, we get it. Sometimes things don't work out the way you expected. That's why we've built a refund process that's straightforward and fair. No jumping through hoops or dealing with endless bureaucracy.
This policy applies to all halcytoriva budgeting programs and services purchased through our website. We've structured it to protect both your interests and ours, because trust goes both ways.
Last updated: January 2025
Refund Eligibility
- Requests must be submitted within 14 days of initial purchase
- You haven't completed more than 25% of the program content
- No previous refund requests have been made on your account
- Digital materials haven't been downloaded or extensively accessed
- Account must be in good standing with no policy violations
- Original payment method is still valid and accessible
Processing Timeline
We review your request and verify eligibility criteria. You'll receive an acknowledgment email within 24 hours.
If approved, refund is initiated to your original payment method. Processing begins immediately.
Funds appear in your account. Actual timing depends on your bank's processing schedule.
How to Request a Refund
Submit Request
Send an email to contact@halcytoriva.com with your order number, purchase date, and reason for the refund request.
Verification
Our team reviews your account activity and confirms eligibility based on the criteria outlined in this policy.
Processing
Once approved, we process the refund and send confirmation. You'll receive updates via email throughout the process.
Refund Scenarios
Standard Program Refunds
If you've enrolled in one of our budgeting courses and decide it's not the right fit within the first two weeks, you can request a full refund. We'll process it without asking too many questions, as long as you meet the basic eligibility requirements.
- Full refund available within 14 days of purchase
- Access to course materials will be revoked upon refund approval
- Any certificates or credentials earned will be invalidated
Technical Issues
Sometimes technology fails us. If you've experienced persistent technical problems that prevented you from accessing the program content, we'll work with you to find a solution. And yes, that might include a refund.
- Must report technical issues within 7 days of occurrence
- Our support team will attempt to resolve the issue first
- Refund approved if issue remains unresolved after reasonable effort
Duplicate Purchases
Accidentally purchased the same program twice? It happens. We'll refund the duplicate charge immediately once we verify the double purchase.
- Automatic approval for genuine duplicate transactions
- Must be reported within 30 days of duplicate purchase
- One program enrollment will remain active
Non-Refundable Items
Some things can't be returned once they're used. It's like trying to return a half-eaten sandwich. Here's what doesn't qualify for refunds:
- One-on-one consultation sessions that have already occurred
- Downloadable templates and resources after they've been accessed
- Programs completed beyond the 25% threshold
- Promotional or discounted purchases obtained through special offers
- Gift purchases made on behalf of another person
Payment Methods & Processing
Credit & Debit Cards
Refunds to credit and debit cards typically appear within 5-10 business days. The exact timing depends on your card issuer's processing schedule. You'll see it as a credit on your statement.
PayPal
PayPal refunds are usually processed within 3-5 business days. The funds will return to your PayPal balance, and you'll receive notification from both halcytoriva and PayPal.
Bank Transfer
Direct bank transfer refunds take 7-10 business days to process. We'll need your current banking details to ensure the refund reaches the correct account.
Alternative Payment Methods
For other payment methods, refund timing varies. We'll work with you to determine the fastest processing route based on how you originally paid.
Important Considerations
- Refund requests must come from the original purchaser. We verify this by matching the email address on file with your account.
- If you received the program as a gift, the refund will be processed to the original purchaser's payment method, not yours.
- Partial refunds aren't available for bundled programs. You either keep the bundle or return the whole thing.
- Currency exchange rate fluctuations may result in slight variations between the original charge and refund amount for international transactions.
- We reserve the right to deny refund requests that violate our terms of service or show patterns of abuse.
- Account suspension or termination due to policy violations forfeits eligibility for refunds on current and past purchases.