Refund and Cancellation Policy

This Refund Policy explains how Money Code Lab handles refund requests for paid features, subscriptions, and programmes purchased through www.moneycodelab.com or our mobile apps.

1. Eligibility for Refunds

Refunds are evaluated on a case-by-case basis and granted strictly in accordance with the following criteria:

• Billing Errors and Duplicate Charges: You are eligible for a full refund if you were charged in error, overcharged, or billed multiple times for a single transaction due to a payment processing error.
• Platform and Content Inaccessibility: You may request a refund if a paid course, feature, or subscription module fails to be delivered or remains inaccessible due to a technical failure or system defect on Money Code Lab's end, provided our support team is unable to resolve the issue within a reasonable timeframe.
• Initial Purchase Cancellation Window: You may request a refund within seven (7) days of your initial subscription or course purchase, provided that the account holder or minor user has not substantially used or consumed the paid materials (defined as completing or accessing less than 20% of the relevant course or module content).

2. Non-Refundable Situations

• Substantially Used Content: Subscriptions or course access where the user or minor has completed or accessed 20% or more of the paid content, or where the active billing period has already been substantially utilized.
• Promotional and Conversion Charges: Payments made for promotional offers, discounted bundles, or automatic conversions from free trials to paid plans, except where a refund is strictly mandated by applicable consumer protection laws.
• Change of Mind After Use: Requests based on a simple change of mind, personal preference, or lack of time after significant access or utilization of the paid features.
• Untimely Requests: Any billing disputes or refund claims submitted after the fourteen (14) day request window has expired, absent a proven system error or double-billing issue verified by Money Code Lab.

3. Physical Products

For physical products including books and printed materials such as Cracking the Money Code, returns are accepted within 7 days of delivery, provided the item is returned in its original, undamaged condition. Return shipping costs are the responsibility of the buyer unless the item is received in a defective or incorrect state.

4. Live Coaching and Sessions

Cancellations for live one-on-one coaching or consulting sessions must be made at least 24 hours before the scheduled session. Cancellations made within this window are non-refundable. At our discretion, we may offer a rescheduled session in lieu of a refund.

5. How to Request a Refund

To request a refund, contact us at [email protected] with the following:

• Your registered account email address.
• Your transaction reference ID.
• A brief reason for your request, to help us improve our services.

Parents and guardians should submit requests on behalf of a minor's account. Approved refunds will be processed back to the original payment method typically within 5 to 10 business days depending on your bank or card issuer.

6. Subscription Cancellations

You may cancel an active subscription at any time to stop future billing. Cancellation stops the next billing cycle but does not automatically trigger a refund for the current period unless it falls within the eligibility window described in Section 1.

7. Changes to This Policy

We may revise this Refund Policy from time to time. Updates will be posted on www.moneycodelab.com with a revised effective date.

8. Contact Us