REFUND POLICY FOR PERSONALIZED DIGITAL PRODUCTS

Wealth y Wellness LLC 1209 Mountain Road Pl NE, Ste R, Albuquerque, NM 87110, USA Contact: info@wealthwellnessco.com Effective date: 11 September 2026 This policy forms part of our Terms of Service. It is written for what we actually sell: written digital guides that are made to order from a brief you supply, and delivered as a file. We have deliberately not written the usual one-line "all digital sales are final". That line is unfair where a buyer never received anything, and in several jurisdictions it is not enforceable. What follows is what we will actually do. 1. THE TWO FACTS THAT DECIDE EVERY CASE A refund question here almost always turns on two things: - Has production started? Your questionnaire answers are the raw material of the guide. From the moment production begins, editorial work has been spent on a file that exists for you and for nobody else, and it cannot be resold or recovered. - Did you actually receive a usable file? A failed delivery, a corrupted file or a file that is not the product you bought is our problem to fix, whatever else this policy says. 2. BEFORE PRODUCTION BEGINS: FULL REFUND, NO QUESTIONS If you cancel after paying but before we have begun producing your guide, you get a full refund. Write to info@wealthwellnessco.com from the email address on the order and say you want to cancel. We do not ask you to justify it. Production begins when we open your submitted questionnaire and start assembling the guide. We confirm the start of production by email, so you always have a timestamp that tells you which side of this line you are on. If you send a cancellation and we cannot show that production had already begun, you are refunded in full. Any ambiguity is resolved in your favour. 3. AFTER PRODUCTION BEGINS: WHAT HAPPENS THEN Once production has begun, the order is for a custom-made product, and a change of mind is no longer a ground for a full refund. This is the same principle that applies to anything made to a customer's own specification. What you still have: - If the guide has been started but not delivered, and you cancel, we refund the part of the price that corresponds to work not yet done, and we will tell you honestly what that proportion is rather than keeping the lot. We will never retain more than the work actually performed. - If the guide has been delivered and it does not match the brief you submitted, that is not a refund case in the first instance: it is a correction case. Tell us what does not match, within 14 days of delivery, and we correct it at no cost. This is separate from and additional to any revision round included with the product. - If, after that correction, the guide still does not deliver what the product page said it would, we refund you in full. A product that does not do what we said it does is our failure, not your change of mind. 4. IF YOU ARE A CONSUMER IN THE EU OR THE UK EU and UK consumer law gives you a 14-day right of withdrawal on distance purchases, with two exceptions that both apply to what we sell: goods or content made to your own specification or clearly personalized, and digital content supplied immediately where you gave prior express consent to begin and acknowledged that you would lose the right of withdrawal. At checkout we ask you to tick both of those acknowledgements explicitly and separately, and we keep the record. We do not bury them in the Terms. If you do not tick them, we simply do not start production until your 14 days have run, and you keep the full right to withdraw during that period. The choice is yours and it is offered before you pay, not after. If you did tick them and production then began, the statutory right of withdrawal no longer applies, but sections 3, 5 and 6 of this policy still do. 5. TECHNICAL FAILURES: ALWAYS FIXED, AT NO COST - File never arrived, or arrived at the wrong address: tell us and we re-send it. If we cannot deliver it at all, we refund in full. - File is corrupted, will not open, or is incomplete: we re-issue a working file. If we cannot, we refund in full. - Wrong product delivered: we deliver the right one, or refund in full, whichever you prefer. - You lost the file: within 24 months of delivery we will re-send it once you ask, free of charge. After that we may no longer hold a copy. - Duplicate payment: the duplicate is refunded in full, and we do not wait for you to notice. If you spot one before we do, tell us and it is returned within 5 business days. 6. HOW TO ASK, AND HOW LONG IT TAKES Write to info@wealthwellnessco.com with the email address used for the order, the guide ordered, the date, and what went wrong. We acknowledge within 2 business days and give a decision within 10 business days. Approved refunds are returned to the original payment method. The money leaves us within 5 business days of the decision; how long it then takes to appear depends on your bank or card issuer, and that part is outside our control. If we refuse a refund, we tell you in writing why, and which part of this policy the refusal rests on. "Company policy" is not an explanation and we will not use it as one. 7. CHARGEBACKS If something has gone wrong, contact us first. A chargeback opened before you have written to us costs both of us time over something we would usually have fixed within a week. Where a chargeback is opened, we will respond to the payment processor with the order record, the delivery record and this policy. Nothing in this section limits your right to use the dispute process your card issuer gives you; it only asks you to try us first. 8. WHAT THIS POLICY DOES NOT DO It does not promise a result. A refund is available for a product that was not delivered, was defective, or did not match what the product page described. It is not available because the subject turned out to be harder than expected, because you did not apply what the guide says, or because the outcome you hoped for did not happen. Our guides are educational material, not advice and not a service that can be responsible for your decisions; see the Educational Content Disclaimer. It does not remove any mandatory statutory right you hold as a consumer in your country of residence. Where your local law gives you more than this policy does, your local law wins. 9. CONTACT Wealth y Wellness LLC, 1209 Mountain Road Pl NE, Ste R, Albuquerque, NM 87110, USA. Email: info@wealthwellnessco.com.