14 days from purchase, no questions asked. If you read the guide and decide it doesn't deliver what was described on the sales page, email us and we'll refund you in full.
There is no list of "qualifying reasons." There is no requirement to justify your decision. We'd rather not have your money than have an unhappy reader.
We acknowledge refund requests within 48 hours, and the refund is processed via Payhip (our checkout provider) within 5 working days. Your bank may take an additional 3–10 working days to show the refund on your statement, depending on the card issuer.
The 14 days begin on the date your purchase is confirmed by Payhip. The refund window applies to every guide and the complete library, identically.
After 14 days, refunds are not automatic. If there is a genuine problem — the file is corrupted, the link doesn't work, the content materially differs from what was described — write to us and we will handle the situation fairly. We are not in the business of taking money from people who haven't received what they paid for.
This refund policy is offered in addition to any statutory rights you have under UK law.
Under the Consumer Contracts Regulations 2013, consumers normally have a 14-day cancellation right for distance contracts. For digital content, the 14-day cancellation right ends once a download starts, if you asked for immediate access and acknowledged this at checkout. We offer a 14-day refund regardless.
The guides are written for ordinary UK pensioners on fixed incomes. £175, £225, or £297 is a meaningful amount of money. If you read the library and it isn't useful to you, asking you to keep paying for it would be wrong.
We reserve the right to decline refunds in clear cases of abuse — for example, the same person buying and refunding repeatedly, or a single account refunding multiple products in succession. This is the only situation where a refund may be refused.
Refund requests, or any other questions: [email protected]