Refund & Cancellation Policy

1. Your 14-day cooling-off right (all countries)

1.1 You may cancel any purchase within 14 days of the order confirmation, without giving a reason, using any clear statement — including the cancellation form at the end of this policy, email, or the one-click method in your account (as easy as signing up).

1.2 Digital content (the curriculum): at checkout we ask whether you want immediate access. If you tick “Start my access now — I understand I lose my 14-day right to cancel for the digital content”, the curriculum unlocks immediately and the cooling-off right no longer applies to it. If you don’t tick it, your access starts on day 15 and your full cancellation right is preserved.

1.3 Services (1:1 sessions, live calls, community): these begin within the 14 days only if you expressly request early start at checkout. If you cancel after such a request, you pay only a proportionate share of the price you agreed, for what was actually supplied up to your cancellation — nothing more.

1.4 If you paid by card through checkout, cooling-off refunds go back to the original payment method within 14 days of your cancellation.

2. Monthly subscriptions

2.1 Bronze monthly: cancel anytime; access continues to the end of the paid month; no further charges; renewal payments already made are not refunded once the new month has begun (cooling-off aside).

2.2 Silver monthly: 3-month minimum initial term (disclosed at checkout), then monthly rolling with cancel-anytime as per Bronze. The three included 1:1 sessions unlock at month 1 / month 5 / month 10 (Client Services Agreement cl.3). If you cancel during the minimum term (outside cooling-off), the remaining minimum-term instalments fall due — this reflects the front-loaded first session and is capped at the 3-month total.

2.3 Gold: billed in 3-month commitment blocks; cancel effective at the end of the current block. Monthly 1:1 sessions accrue only while membership is active.

2.4 Cancelling means: online cancellation in your account, or email — both listed below. We confirm every cancellation in writing; if you don’t receive confirmation within 3 business days, it didn’t reach us — resend.

3. Annual plans (pay-in-full)

3.1 Annual plans are 12-month commitments at a bundle discount, with the full 52-week library unlocked immediately if you choose immediate access at checkout (see 1.2 — choosing it ends the cooling-off right for the digital content).

3.2 Within cooling-off without immediate access: full refund. Within cooling-off with immediate access chosen: the digital content is non-refundable (you acknowledged this), and any service elements are charged proportionately per 1.3, with the balance refunded.

3.3 After cooling-off: annual fees are non-refundable except as set out in §5 (early-exit adjustment), §6 (our-side failures), or your statutory rights. Annual plans renew only with a reminder sent in advance (at least 15 days), and renewal can be switched off in one click at any time.

4. Payment plans (fixed-price instalments)

4.1 Where a fixed-price product (e.g. an annual plan or a 1:1 package) is paid by instalments, the total price is the commitment; instalments are not a month-to-month subscription. This is stated at checkout before you buy.

4.2 Your cooling-off rights (§1) apply to the product exactly as if you had paid in full. After cooling-off, stopping instalments does not cancel the commitment: access pauses after 14 days’ notice of a failed instalment, and the balance remains payable, less any early-exit adjustment that applies under §5.

5. Early-exit adjustment for prepaid bundles (the “fair maths” clause)

5.1 Some bundles include 1:1 sessions at a substantial discount to their published standalone price (currently £450 per session, the rate genuinely charged for standalone sessions). The discount is conditional on completing the bundle term.

5.2 If we agree an early exit from a prepaid bundle (or you exit under §6/cl.7.2 care provisions), the refund of unused amounts is calculated as: prepaid total − (a) the months of membership used at the standard monthly rate − (b) sessions already delivered at the published standalone rate — but (a)+(b) together will never exceed the prepaid total, and will never exceed what you would have paid had you bought only what you actually received. You never pay more by leaving than by staying; you simply lose the bundle discount on what you consumed.

5.3 Worked example (Silver annual $1,999, exit agreed at month 4, one session delivered): months used 4 × $199 = $796; one session at standalone ≈ $570; total $1,366; refund = $1,999 − $1,366 = $633. The same exit at month 4 with no session delivered: refund = $1,999 − $796 = $1,203.

5.4 This clause never applies inside the cooling-off period (§1 controls there) and never turns a refund into a debt.

6. When we fail you

6.1 If we cancel the programme, materially fail to deliver it, or an interruption on our side exceeds 60 days: pro-rata refund of prepaid unused amounts, your choice of that or credit, no admin fees.

6.2 Where the wellbeing pause (Client Services Agreement cl.7.2) ends in termination, unused prepaid amounts are refunded pro-rata without the §5 adjustment applying to the wellbeing decision itself.

7. 1:1 engagements ($2,499–$50,000)

7.1 Countersigned engagement letters govern; the defaults are: cooling-off per §1 (hours delivered inside a requested-early start charged proportionately); after cooling-off, exits by agreement with hours consumed charged at the engagement’s blended hourly rate and the unused balance refundable at our discretion less 10% administration (never applied to statutory or §6 exits); hours expire at engagement end; 24-hour no-show rule per Client Services Agreement cl.3.3.

8. How to cancel + model form

Email subconscioussurgery@gmail.com or use the in-account cancellation.