Refund Policy

We want you to be happy with what you buy. This policy explains how refunds work across our digital products and services sold by JPS Brands Inc., trading as JPS Finance. Payments and checkout are handled by our payment provider, and their processing rules also apply.

Digital products (guides, prompt packs, toolkit)

Our digital products are delivered instantly as downloads. Because they can't be "returned" once downloaded, they are generally non-refundable. That said, we'll always make it right if something has genuinely gone wrong · for example:

• you were charged twice, or charged in error;
• the file is corrupt, or you didn't receive your download;
• the product was materially not as described.

If any of these apply, email us within 14 days of purchase and we'll sort out a fix or a refund.

Workflow Review and advisory services

• If you've paid for a Workflow Review and we have not yet started the work or held the session, you can cancel for a full refund.
• Once the session has taken place and the written plan has been delivered, the service is considered complete and is non-refundable · but if you feel we didn't deliver what was agreed, contact us and we'll work to put it right.
• Advisory retainers can be cancelled before the next billing cycle; the current month is not refunded.

When preparatory work begins. Preparatory work begins when JPS Finance starts reviewing materials submitted specifically for the engagement. Once preparatory work has begun, any refund is assessed on the work completed to date.

Rescheduling the review session

• You may reschedule the review session once, with at least 24 hours' notice, at no charge.
• Missed sessions or late cancellations (less than 24 hours' notice) may be treated as delivered, or be subject to a rescheduling fee.
• If JPS Finance needs to reschedule, you will be offered a new time or, where appropriate, a refund.

How to request a refund

Email hello@jpsfinance.co with your order details and what went wrong. We aim to reply within one business day. Approved refunds are issued to your original payment method via our payment provider.

Your statutory rights

Nothing in this policy affects any rights you have under applicable consumer-protection law.