1. Digital products (guide, audiobook and digital bundles)

Our digital products are delivered to you straight away by download or online access. Because of this, special rules apply to refunds:

•  Once you have started downloading or accessing a digital product, it cannot be refunded under the 14-day cooling-off period. When you buy, you ask us to give you access immediately and you agree that you give up your right to a cooling-off refund once access has begun. You confirm this at checkout before you pay.

•  If you have bought a digital product but have not yet downloaded or opened it, you can still cancel within 14 days for a full refund — just email us before you access it.

•  If a digital product is faulty, corrupted, or not as described, this policy does not affect your rights. You are entitled to have it put right — by a working replacement or a refund — under the Consumer Rights Act 2015. Just contact us.

•  The free sample (for example, a free first chapter) is always free and is not a purchase, so no refund applies to it.

2. Physical products (calendar, pen, mug and physical items)

You have a legal right to change your mind about a physical product within 14 days of receiving it, for any reason. Here is how it works:

•  Tell us within 14 days. Email [email protected] within 14 days of receiving your item to let us know you want to cancel.

•  Return it within 14 days of telling us. Send the item back within 14 days of letting us know. You pay the cost of return postage, and we recommend a tracked service so you have proof of postage.

•  What we refund. We refund the price you paid for the item plus the standard delivery charge you originally paid. We do not refund any extra you chose to pay for a faster or upgraded delivery option, and we do not cover your return postage.

•  Condition. You are welcome to open and check an item as you would in a shop. If it comes back with more wear or damage than that reasonable handling would cause, we may reduce your refund to reflect the loss in value.

•  When you get your money back. We refund you within 14 days of receiving the item back, or of you giving us proof that you have sent it, whichever is sooner.

3. Bundles

If you buy a bundle that contains both digital and physical items (for example the Guide plus Calendar), the digital part is treated under Section 1 and the physical part under Section 2. Returning the physical part of a bundle does not entitle you to a refund on a digital part you have already accessed.

4. Faulty, damaged or incorrect items

If something arrives faulty, damaged, not as described, or it is simply the wrong item, please contact us as soon as you can. Under the Consumer Rights Act 2015 you are entitled to a repair, replacement, price reduction or refund, depending on the situation. Where an item is faulty or our mistake, you will not be out of pocket — we cover return postage and put it right.

5. How to cancel or request a refund

Email us at [email protected] and include:

•  Your order number (from your confirmation email);

•  The name of the product; and

•  Whether you are cancelling within the cooling-off period or reporting a fault (and, if a fault, a brief description or photo).

We will reply with the next steps and, where a return is needed, where to send the item.

6. How we make refunds

We make refunds using the same payment method you used to pay, and without undue delay. Refunds are processed through our payment provider (Stripe); once we have issued a refund, how quickly it appears in your account can depend on your bank or card provider.

7. Your statutory rights

Nothing in this policy affects your legal rights as a consumer, including your rights under the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. If anything here appears to give you less than the law provides, the law applies.

8. How to contact us

Email: [email protected] ·  Post: Efficient Business Limited, 10 Beech Court, Hurst Reading, RG10 0RQ