Effective date: September 8, 2026

This policy explains when and how you can receive a refund from Balancrix Inc. ("Balancrix", "we", "us"). We want you to book with confidence, which is why every paid service carries the guarantee described below. If something is not right, tell us — the fix is usually simple, and the refund is the backstop.

The 14-day guarantee

Every paid Balancrix service is covered by a 14-day guarantee. If you complete a paid session and feel the service did not meet your expectations, or if a promised deliverable — such as your written budget plan — does not arrive as described, contact us within 14 days of payment and we will refund the full amount you paid. This guarantee applies once per client to each new service, and it covers the personal plan, the first month of a membership, and the first month of a business partner plan.

How to request a refund

Email [email protected] from the address you used to book, with the subject "Refund request" and your name and the date of payment. Or call +1 (503) 555-0174 during office hours (Monday to Friday, 9:00 AM to 5:00 PM Pacific Time) and we will handle it on the call. We confirm receipt within one business day and process approved refunds within 10 business days to the original payment method.

Memberships and monthly plans

Membership and business partner plans renew monthly and can be paused or cancelled at any time with effect from the end of the current billing period — no cancellation fees, no notice periods beyond one message to [email protected]. After cancellation, you keep access to any scheduled sessions within the paid period, and your planner will confirm any outstanding appointments with you. If you cancel within the first 14 days of a new membership, the guarantee applies and we refund the first month in full.

Rescheduling and missed sessions

Life happens, and our rescheduling rules are forgiving on purpose. You may reschedule a session free of charge up to 24 hours before the scheduled time, using the link in your confirmation email or by contacting [email protected]. Sessions cancelled with less than 24 hours' notice may be charged at our discretion. A session missed without notice may also be charged. We apply these rules with common sense: genuine emergencies — illness, family needs, weather — are always treated as free reschedules, and we would rather reschedule twice than charge once.

Delayed or undelivered deliverables

If your written plan or worksheet kit does not arrive within the promised timeframe (five business days after the final session for most services), contact us and we will either deliver it immediately or refund the relevant portion of the fee. If a planner is unable to complete an engagement for any reason, we will refund any unused prepaid amount in full.

Declined relationships

Rarely, we may end a client relationship — for example, if a client is abusive to our planners or requests services outside our scope. In that case we refund any unused prepaid amounts under this policy. We will always explain our decision and, where we can, suggest a more suitable provider.

Chargebacks

We prefer to resolve billing concerns directly. If you believe a charge is wrong, contact [email protected] or call +1 (503) 555-0174 and we will investigate the same day. If you file a chargeback with your card issuer, we will provide the issuer with the booking record and a copy of this policy. Where a chargeback is found to be unjustified after we have already issued a refund or offered a fair resolution, we may ask the issuer to reverse it.

Discounts and promotional pricing

If you received a discount, refunds are calculated on the amount actually paid, not the undiscounted price. Promotional or complimentary sessions are non-refundable because nothing was paid; they may be rescheduled under the normal rules.

Taxes and bank fees

Refunds cover the amount you paid us. Any bank or card fees charged by your own financial institution are outside our control. If we collected tax on a transaction that is refunded, the tax is refunded with it.

Questions

If anything here is unclear, ask before you book: [email protected] or +1 (503) 555-0174. We would rather answer a question in five minutes than process a refund later — and the terms of service describe the full agreement between us.