Refund & Cancellation Policy

How refunds and cancellations work for programs and consultations. Last reviewed: September 2026.

The short version

Digital course access is refundable within seven days of confirmation, provided you have not consumed a substantial part of the material. Consultations can be rescheduled free with 48 hours’ notice. Details below, including the parts that are not refundable, because you should know those before you pay rather than after.

Programs — the seven-day window

• You may request a refund within 7 calendar days of your enrolment being confirmed.
• The request must come from the email address on the enrolment.
• If you have completed more than 25% of the modules, or downloaded the substantive materials, the refund is at my discretion rather than automatic. Digital material cannot be returned once it has been consumed, and this is the fairest line I can draw.
• Approved refunds are returned by the same method you paid with, within 7 to 14 working days, less any transfer charge levied by the bank or payment provider.
• Access to the learning platform ends when the refund is issued.

What is not refundable

• Requests made after the 7-day window has closed.
• Consultation sessions that have already taken place.
• Missed consultation appointments where no notice was given.
• Enrolments cancelled because of a breach of the terms — credential sharing or redistribution of material.
• Bank, transfer or currency-conversion charges, which I do not receive.

Consultations

• More than 48 hours’ notice — reschedule at no charge, or full refund if you prefer.
• Less than 48 hours’ notice — one reschedule offered as a courtesy; after that the fee is retained, because the slot can no longer be filled.
• No attendance, no notice — the fee is retained.
• If I cancel or reschedule — you choose: a new time at your convenience, or a full refund. Always.

If something goes wrong at my end

If the material is not delivered, access fails for an extended period, or what you received is materially different from what the program page described, tell me. That is not a discretionary refund case — it is a failure on my side, and it gets fixed or refunded in full regardless of the seven-day window.

How to request one

Use the form below or the contact page. Include the program or session name, the date of purchase, and the payment reference. Do not include card or full bank account numbers — they are not needed and should not be sent through a web form.

You will get a decision within 3 working days, with a reason if it is declined. If you disagree with the decision, say so and I will look at it again.

This policy is written to be clear rather than to be defensive. It should be reviewed by a qualified lawyer against Pakistani consumer law before it is relied upon commercially.