Return & Refund Policy

1) WHAT THIS POLICY COVERS
• This policy applies to digital products and services purchased from our websites and checkout pages (e.g., Excel/Google Sheets files, tutorials, memberships, Notion templates, “lifetime updates” access).
• We do not ship physical goods; physical returns are not applicable.

2) DIGITAL PRODUCTS: ALL SALES ARE FINAL AFTER DELIVERY
• Because access to digital content cannot be returned, all digital product sales are final once delivery occurs (i.e., we send your access/download link or unlock your account).
• Delivery is instant after successful payment to the email provided at checkout.
• If you don’t see our email, please check Spam/Promotions or contact connect@hiplanners.com and we will re-send your access.
• We maintain delivery/access logs (timestamps, email events, IP/device signals) to confirm successful fulfillment.
• The order form clearly states that by completing your purchase you agree to our Return & Refund Policy. By submitting payment, you acknowledge and accept these terms.

3) EXCEPTION: SERVICE FEE (IF SHOWN AT CHECKOUT)
• If your checkout displayed a separate service fee, we offer a 7-day refund of the service fee only - as per our 7 day guarantee.
• This exception does not cover the main digital product price or subscription fees.
• To request the service-fee refund, email connect@hiplanners.com within 7 days of purchase with your order number and the email used at checkout.

4) SUBSCRIPTIONS & AUTO-RENEWALS (IF APPLICABLE)
• We do not provide pro-rated or partial refunds for the remaining portion of a billing period after cancellation.
• If a free trial is provided, we clearly state when paid billing begins. Charges after the trial are non-refundable for the current period.

5) DUPLICATE OR ACCIDENTAL DUPLICATE CHARGES
• We promptly refund verified duplicate charges for the same product made in close succession to the same email/account.
• Email connect@hiplanners.com with order numbers and any bank screenshots that show duplicates.
• Once verified, refunds are issued to the original payment method.

6) UNAUTHORIZED TRANSACTIONS & FRAUD
• If you suspect an unauthorized charge: first contact your bank/card issuer to secure your account; then email connect@hiplanners.com with your order number, the email used at checkout, and why you believe it’s unauthorized.
• We cooperate with your bank’s investigation. Access associated with confirmed fraudulent transactions may be revoked to prevent misuse.

7) DEFECTIVE OR INACCESSIBLE CONTENT
• If a file is corrupted, a link is broken, or you cannot access content due to a technical issue on our side, we will repair or re-deliver access at no charge.
• Contact connect@hiplanners.com with your order number and a short description (screenshot or error message helps).
• If we cannot restore access within a reasonable timeframe, we will offer an appropriate remedy.

8) PRICE ADJUSTMENTS & PROMOTIONS
• Prices and promotions may change over time. We do not offer price-matching or retroactive adjustments on prior purchases unless required by law.

9) TAXES, CURRENCY & BANK FEES
• Prices are shown in USD unless stated otherwise.
• Taxes (e.g., VAT/GST or U.S. sales tax where applicable) may be added at checkout.
• Your bank may apply currency conversion or international processing fees; these are not refundable by us.

10) HOW TO REQUEST A REFUND (WHERE ELIGIBLE)
• Email: connect@hiplanners.com
• Subject: Refund Request
• Body: order number, email used at checkout, and reason (e.g., service fee within 14 days, duplicate charge).
• We typically respond within 2-7 business days. Approved refunds are issued to the original payment method; banks may take 5–10 business days to post the credit (timing varies by bank).
• Reminder: the order form indicates that by purchasing you agree to this Return & Refund Policy.

11) CHARGEBACKS
• Please contact us first; most issues are resolved faster than via a chargeback.
• Filing a chargeback for a valid, delivered order may result in access revocation to prevent misuse.
• We share delivery and access records with the processor/bank during a dispute.

12) YOUR CONSUMER RIGHTS
• This policy is written for the U.S. market. Mandatory consumer protections in your state/country (if stronger) still apply. Nothing here limits rights that cannot be waived by contract.

13) CHANGES TO THIS POLICY
• We may update this policy from time to time. The “Last Updated” date indicates the latest version. Material changes will be posted on our site and, where required, communicated by email.


APPENDIX: SUGGESTED CHECKOUT MICROCOPY
• All prices in USD. Taxes and any service fee are shown before you pay.
• Instant digital delivery to your email after payment.
• All digital sales are final once delivered. Service fee refundable within 14 days (if shown at checkout).
• By completing your purchase, you agree to our Return & Refund Policy.
• You’ll see Hi Planners or Ultimate Budget Tracker on your statement.