Before work starts
If a customer changes their mind before work has started and before any digital product has been accessed, they should contact hello@paycyclebudgeting.co.uk as soon as possible.
Policies and legal information
Refund and Cancellation Policy
This policy explains cancellation and refund handling for services, subscriptions and digital templates.
Services
For budgeting services, refunds are considered based on whether work has started, how much work has been completed, whether the customer supplied the required information, and whether the service has been delivered.
Digital downloads
Digital templates and downloadable files may be non-refundable once accessed or delivered, unless required by law. Customers should check they are buying the correct item before purchasing.
Subscriptions
Subscription payments are recurring until cancelled. Cancelling stops future billing but does not automatically refund previous periods that have already started or been delivered.
Faulty or incorrect service
If something is faulty, missing or not as described, the customer should contact hello@paycyclebudgeting.co.uk so it can be reviewed and corrected where appropriate.
No blanket exclusion of legal rights
Nothing in this policy removes consumer rights that apply by law.