Refund Policy

Our Refund Commitment

At lorenthavelo, we stand behind the quality of our budget planning education and services. We understand that sometimes circumstances change, and we want to ensure you feel confident in your investment with us. This policy outlines when and how refunds are processed for all lorenthavelo services.

We believe in transparency and fairness. Our refund policy is designed to protect both our students and our business while maintaining the integrity of our educational programs.

Eligibility Requirements

• Refund requests must be submitted within 14 days of purchase for digital courses and materials
• One-on-one consultation sessions are refundable up to 24 hours before the scheduled appointment
• Group workshops and seminars can be refunded up to 7 days before the event date
• Annual subscription services are eligible for pro-rated refunds within the first 30 days
• Custom budget analysis services are refundable before work begins on your specific case
• Physical materials that have been shipped cannot be refunded unless defective or damaged

The Refund Process

Special Circumstances

We recognize that life sometimes presents unexpected challenges. In cases of medical emergencies, job loss, or other significant hardships, we may consider refund requests outside our standard policy timeframes.

Additionally, if you're experiencing technical difficulties accessing our digital content that we cannot resolve within 72 hours, you may be eligible for a full refund regardless of the time elapsed since purchase.

Payment Method and Processing Times

• Credit card refunds typically appear within 5-10 business days
• PayPal refunds are usually processed within 3-5 business days
• Bank transfer refunds may take 7-14 business days depending on your financial institution
• International refunds may require additional processing time due to currency conversion
• Processing fees charged by payment providers are non-refundable

Non-Refundable Items

Certain services and products are final sale and cannot be refunded under any circumstances:

• Completed one-on-one consultation sessions
• Custom reports that have been delivered
• Access to exclusive webinars after they have occurred
• Certification fees and examination costs
• Third-party software licenses or tools purchased through lorenthavelo

Partial Refunds

In some situations, we may offer partial refunds rather than full refunds. This typically applies when:

• You've accessed a significant portion of course materials
• You're requesting a refund outside the standard timeframe
• Administrative or processing costs have already been incurred
• You're switching to a different lorenthavelo service of lesser value