Refund Policy

Last Updated: May 1, 2024

1. Overview

At CreditUnionAdvisor, we strive to provide high-quality, free information and comparison tools for credit unions. While most of our services are provided at no cost to users, we do offer certain premium services, digital products, or membership options that require payment. This Refund Policy applies to those paid services and outlines the circumstances under which refunds may be issued.

2. Free Services

The majority of services offered on our website at https://budgetscureview.com are provided free of charge, including:

• Basic credit union comparison tools
• Standard financial calculators
• Educational blog content
• General information about credit unions

As these services are provided free of charge, no refunds apply to the use of our free services.

3. Paid Services and Digital Products

3.1 Types of Paid Services

Our paid services may include, but are not limited to:

• Premium membership subscriptions
• Advanced financial planning tools
• Personalized credit union recommendation reports
• Digital guides and educational materials
• One-on-one consultation services

3.2 Standard Refund Policy

For one-time purchases of digital products and services:

• We offer a 14-day money-back guarantee from the date of purchase.
• To be eligible for a refund, you must submit your request within this 14-day period.
• Your refund request must include your order number and the email address used for the purchase.
• Refunds will be issued using the original payment method.

3.3 Subscription Services

For subscription-based services:

• We offer a 14-day money-back guarantee for new subscribers from the date of initial subscription.
• After the initial 14-day period, subscription payments are non-refundable for the current billing period.
• You may cancel your subscription at any time, and you will continue to have access to the subscription services until the end of your current billing period.
• No partial refunds will be issued for unused portions of the current billing period after the initial 14-day period.

3.4 Consultation Services

For one-on-one consultation services:

• Cancellations made more than 48 hours before the scheduled consultation time will receive a full refund.
• Cancellations made between 24 and 48 hours before the scheduled consultation will receive a 50% refund.
• Cancellations made less than 24 hours before the scheduled consultation are not eligible for a refund.
• If we need to cancel or reschedule a consultation, you will be offered the choice of rescheduling or receiving a full refund.

4. Exclusions

Refunds will not be provided under the following circumstances:

• After the 14-day refund period has expired (except as otherwise stated in this policy)
• If you have violated our Terms and Conditions
• For services that have been fully delivered and completed
• If you have already downloaded, accessed, or used digital products in their entirety
• If you are seeking a refund due to changes in your personal circumstances unrelated to the quality or delivery of our services

5. How to Request a Refund

To request a refund, please:

1. Send an email to support@budgetscureview.com with the subject line "Refund Request"
2. Include your full name and the email address used for the purchase
3. Provide your order number or subscription information
4. Explain the reason for your refund request

We will process all eligible refund requests within 5-7 business days of receiving the request. You will receive an email confirmation once your refund has been processed.

6. Processing Time for Refunds

Once approved, refunds will be processed as follows:

• Credit card payments: 5-10 business days to appear on your statement, depending on your card issuer
• PayPal payments: 3-5 business days
• Bank transfers: 5-7 business days

7. Exceptional Circumstances

We recognize that exceptional circumstances may sometimes occur. If you believe your situation warrants special consideration for a refund outside of our standard policy, please contact our customer support team with details of your circumstances. Such requests will be reviewed on a case-by-case basis, and any decisions made are at the sole discretion of CreditUnionAdvisor.

8. Service Quality Guarantee

If you are unsatisfied with any of our paid services due to quality issues, technical problems, or significant discrepancies between what was advertised and what was delivered, please contact us immediately. We will work with you to resolve the issue or provide an appropriate refund if the issue cannot be satisfactorily resolved.

9. Changes to This Policy

We reserve the right to modify this Refund Policy at any time. Any changes will be effective immediately upon posting the updated policy on our website. Your continued use of our services following the posting of changes constitutes your acceptance of such changes.

10. Contact Information

If you have any questions about our Refund Policy, please contact us at:

CreditUnionAdvisor
832 Wayne Orchard Lake
Elliotton CT6 7HL
Email: support@budgetscureview.com or info@budgetscureview.com
Phone: +448802693865