At Financial Family Values LLC, we strive to ensure customer satisfaction with our services and products. This Refund Policy outlines the conditions under which refunds are issued for financial coaching, insurance services, and digital products.

1. Digital Products (Templates, Ebooks, and Online Resources)

Due to the nature of digital products, all sales are final, and refunds are not provided. However, if you encounter issues accessing or using your purchased product, please contact us at financialfamilyvalues@gmail.com, and we will work to resolve the problem promptly.

2. Financial Coaching Services

Cancellation Policy: Coaching sessions must be canceled or rescheduled at least 24 hours in advance to avoid being charged.

Refunds for Packages: If you’ve purchased a coaching package and wish to discontinue, refunds will be issued for unused sessions minus a [processing fee or percentage] for administrative costs.

No-Show Policy: Refunds are not provided for missed sessions without prior notice.

3. Insurance Services

Refunds for insurance services (Indexed Universal Life policies, annuities, etc.) are subject to the terms and conditions of the insurance provider and applicable state laws. Please review your policy documents or contact us for more details.

4. Online Courses

Free Courses: No refunds apply to free courses.

Paid Courses:

Refund requests must be made within [10 days] of purchase.

Refunds will not be issued if more than [70%] of the course has been accessed or completed.

To request a refund, email us at financialfamilyvalues@gmail.com with your purchase details.

5. Eligibility for Refunds

To qualify for a refund, you must provide proof of purchase (e.g., receipt or transaction ID). Refunds will be processed to the original payment method within 10 business days.

6. Exceptions

We reserve the right to deny refund requests in cases of:

Abuse of the refund policy.

Violation of our Terms & Conditions.

Refund requests made outside the stated refund window.

7. Contact Us

If you have any questions or concerns about this Refund Policy, please contact us at:

Email: Financialfamilyvalues@gmail.com