1. Overview

This Refund Policy governs all purchases made through ISYA Consulting LLC ("ISYA") and applies to digital products, online courses, membership subscriptions, and consulting services. By completing a purchase, you acknowledge and agree to the terms of this Policy.

Due to the nature of digital products and services, all sales are generally final. Exceptions are set forth below.

2. Digital Products (One-Time Downloads)

All sales of digital products—including downloadable guides, templates, workbooks, toolkits, and similar deliverables—are final. No refunds will be issued once a digital product has been delivered or made available for access, regardless of whether the product has been downloaded or accessed.

ISYA takes care to accurately describe all digital products prior to purchase. If you have questions before purchasing, contact [email protected].

3. Online Courses and Programs

3.1 General Rule — No Refunds After Access

Once access to a course or program has been granted and course materials made accessible, all sales are final. This applies whether access is granted immediately upon purchase or at a later date.

3.2 Stated Satisfaction Period (If Explicitly Offered)

Where explicitly stated on the applicable course sales page, ISYA may offer a satisfaction review period (the "Review Period"). To be eligible for a refund during a stated Review Period:

The refund request must be submitted within the stated timeframe via email to [email protected];

You must not have downloaded all or substantially all course materials;

You must not have participated in or received any live coaching, Q&A sessions, or individualized feedback within the program.

Requests submitted after the Review Period are ineligible. Review Periods do not apply unless expressly stated on the product sales page.

4. Membership Subscriptions

4.1 Monthly Subscriptions

Monthly memberships may be cancelled at any time. Cancellation takes effect at the end of the current billing period. No refunds will be issued for the current billing period or any unused portion thereof.

4.2 Annual Subscriptions

Annual membership subscriptions are non-refundable once the billing cycle begins.

4.3 Free Trials

Where a free trial is offered, no charge applies during the trial period. Failure to cancel before the trial ends results in billing at the applicable subscription rate. Cancellation instructions are available at [email protected].

5. Consulting and Coaching Services

5.1 Pre-Session Cancellation

Cancellations submitted more than 48 hours before a scheduled session will receive a credit toward a future session. Credits are non-transferable and must be used within six (6) months. Cash refunds are not issued for consulting services.

5.2 Late Cancellation and No-Show

Cancellations submitted less than 48 hours before a scheduled session, or failure to attend ("no-show"), are forfeited with no credit or refund.

5.3 Retainer and Package Services

For consulting retainers or multi-session packages, unused sessions may be credited if written cancellation notice is provided to [email protected] at least seven (7) days prior to the next scheduled session. ISYA reserves the right to deduct a reasonable administrative fee not to exceed 15% of the unused balance.

6. Chargebacks and Payment Disputes

If you initiate a chargeback or payment dispute through your bank or payment processor without first contacting ISYA at [email protected] to resolve the matter, ISYA reserves the right to: (a) immediately terminate your access to all purchased Services; (b) dispute the chargeback with supporting documentation; and (c) pursue all available legal remedies. ISYA encourages direct communication as the first step in resolving any billing concern.

7. Technical Issues

If a verified technical issue prevents access to a purchased product or Service and ISYA is unable to resolve the issue within a reasonable timeframe, ISYA will provide a remedy at its discretion, which may include a refund, store credit, or alternative access arrangement. Technical issues must be reported promptly to [email protected].

8. How to Request a Refund

To request a refund where eligible under this Policy, submit a request to [email protected] including:

Your full name and email address used at purchase;

The product or service purchased and date of purchase;

Your order confirmation number, if available;

The reason for your request.

ISYA will respond to refund requests within five (5) business days. Approved refunds will be processed to the original payment method within 7–10 business days, subject to your financial institution's processing times.

9. Modifications

ISYA reserves the right to modify this Refund Policy at any time. Changes will be posted on this page with a revised "Last Updated" date. The Policy in effect at the time of your purchase governs your transaction.

10. Contact

ISYA Consulting LLC

[email protected]