Refund Policy

At WiseRetire, we strive to provide high-quality retirement consulting services tailored to your needs. This Refund Policy outlines the conditions under which refunds may be issued. By using our services, you agree to the terms set forth in this policy.

1. General Refund Policy
✔️ Refunds are available only for services that qualify under the conditions outlined below.
✔️ We do not provide refunds for services that have already been fully delivered or partially completed unless otherwise stated.
✔️ Refund requests must be submitted within 14 days of the original purchase or booking date.
✔️ Refund eligibility is subject to the nature of the service purchased and individual case assessment.

2. Refund Eligibility Criteria
We offer refunds in the following circumstances:

2.1. Service Not Delivered
✔️ If you have paid for a service but have not yet received any consultation or deliverables, you may be eligible for a full refund.
✔️ You must notify us before the scheduled service date to request a cancellation and refund.

2.2. Service Cancellation by WiseRetire
✔️ If we are unable to provide a scheduled service due to unforeseen circumstances, a full refund will be issued.
✔️ Alternatively, you may opt to reschedule your session at no additional cost.

2.3. Dissatisfaction with Service
✔️ If you are dissatisfied with a service you received, we encourage you to contact us first to resolve the issue.
✔️ Refunds for dissatisfaction will be considered on a case-by-case basis and may be subject to deductions for time already spent on the consultation.

2.4. Duplicate Payments
✔️ If you were charged twice for the same service due to a technical issue, a full refund will be processed upon verification.

3. Non-Refundable Services
The following services are non-refundable:

❌ Completed consultations or financial analysis reports.
❌ Subscription-based services after the trial period (if applicable).
❌ Services that were used or partially completed, such as a multi-session consultation where one or more sessions have already taken place.
❌ Any refund requests made after 14 days from the original payment date.
❌ Failure to attend a scheduled consultation without prior cancellation (No-Show Policy).

4. How to Request a Refund
To request a refund, please follow these steps:

✔️ Step 1: Contact us at [email protected] with your refund request.
✔️ Step 2: Provide your full name, payment details, and reason for requesting a refund.
✔️ Step 3: Our team will review your request within 5-7 business days.
✔️ Step 4: If approved, the refund will be processed to your original payment method within 10-14 business days.

If your refund request is denied, we will provide an explanation along with alternative solutions, such as rescheduling or credit toward a future service.

5. Payment Processing & Refund Timeline
✔️ Refunds are processed using the same payment method used for the original transaction.
✔️ Processing times depend on your bank or payment provider, but typically take between 10-14 business days.
✔️ You will receive a confirmation email once your refund has been processed.
✔️ If you do not receive your refund within the expected timeframe, please contact your bank before reaching out to us.

6. Rescheduling Policy
✔️ If you need to reschedule a consultation, you must provide at least 24 hours’ notice.
✔️ Rescheduling is free of charge for the first two changes. Additional changes may incur a rescheduling fee.
✔️ Missed appointments without prior notice may result in a partial or full charge for the scheduled session.

7. Chargebacks & Dispute Resolution
✔️ If you believe there is an issue with your payment, we encourage you to contact us before filing a chargeback with your bank.
✔️ Unauthorized chargebacks may result in a permanent restriction from using our services.
✔️ We work with financial institutions to resolve disputes fairly and efficiently.

8. Changes to This Refund Policy
✔️ We reserve the right to update this Refund Policy at any time.
✔️ Any significant changes will be communicated through our website or email (if applicable).
✔️ We encourage users to review this policy regularly.



9. Contact Information
If you have any questions about our refund policy, please contact us:

📍 Address: 515 Lawnmarket, Edinburgh EH1 2PE, UK
📞 Phone: +44 131 392 8390
📧 Email: [email protected]