Refund and Cancellation Policy

This policy explains how to cancel and when you get a refund. It is read with our Terms and Conditions and does not remove any right you have under the Consumer Protection Act or the Electronic Communications and Transactions Act.

1. Book (digital download)

• The book is delivered as a digital download immediately after payment. At checkout you agree that delivery starts straight away. Because a digital file cannot be returned once downloaded, the book is not refundable after the download link has been used.
• You get a full refund if: the file is faulty and we cannot supply a working copy within 5 business days, you never received the download link and we cannot resolve it, or you were charged more than once for the same order.
• Request a refund by emailing pierre@aspigon209.co.za within 14 days of purchase with your Payfast payment reference.

2. Body Health Check subscription

Cancelling

• You can cancel at any time, with no cancellation fee.
• Cancel through the cancellation link in your Payfast subscription email or your Payfast account, or email pierre@aspigon209.co.za with the email address you subscribed with. We confirm the cancellation within 2 business days.
• Cancel at least 2 business days before your next renewal date to avoid being charged again.
• After cancelling you keep access until the end of the period you already paid for. No further payments are taken.

Refunds

• 7-day cooling-off on your first payment: if you cancel within 7 days of your first subscription payment, monthly or annual, you get a full refund of that payment.
• Monthly renewals are not refunded, and part-months are not refunded.
• Annual plan: if you cancel after the first 7 days, no refund is given for the remaining months, and access continues to the end of the paid year.
• If you were charged after a confirmed cancellation, or charged twice, we refund the incorrect charge in full.

3. Surviving & Winning Daily subscription

Cancelling

• The subscription is two payments of R150, one on signup and one a month later (R300 in total). It stops by itself after the second payment.
• You can cancel at any time, with no cancellation fee, through the cancellation link in your Payfast subscription email or your Payfast account, or by emailing pierre@aspigon209.co.za with the email address you signed up with. We confirm the cancellation within 2 business days.
• Cancel at least 2 business days before your second payment to avoid being charged it.
• After cancelling, every lesson you have already unlocked stays available to you. Lessons that need the second payment stay locked if it is not made.

Refunds

• 7-day cooling-off on your first payment: if you cancel within 7 days of your first payment, you get a full refund of that first R150.
• The second payment is not refunded once it has been taken, because it unlocks the remaining lessons immediately.
• If you were charged after a confirmed cancellation, or charged twice, we refund the incorrect charge in full.

4. Consulting services

• Cancellation and refund terms are set out in your written quote or agreement. If it says nothing on the point, the rules below apply.
• Scheduled sessions: reschedule or cancel at least 48 hours before the session at no cost. Cancellations with less than 48 hours notice, or no-shows, are charged in full.
• Fractional COO retainer: either party may end the retainer with 30 days written notice. Fees for the notice period and for work already done are payable. Retainer fees already paid for a month that has started are not refunded.
• Prepaid work not yet started: refunded in full, less any direct costs already incurred.

5. Web applications and websites

• A deposit is required before work starts. Once work has started, the deposit is not refundable, as it covers time and planning already spent.
• If you cancel during the project, you pay for work completed to the cancellation date, as recorded against the quote. Any amount you paid above that is refunded.
• After handover and final payment, the project is complete. Fixes for defects in what was agreed are handled under the support period in your quote, not by refund.
• If we cancel a project for reasons within our control, we refund everything paid for work not yet delivered.

6. How refunds are paid

• Payments made through Payfast are refunded through Payfast to the original payment method where possible.
• EFT payments are refunded by EFT to the account you nominate.
• Approved refunds are processed within 10 business days. Your bank may take longer to reflect the funds.

7. Contact

For cancellations and refunds: pierre@aspigon209.co.za or 082 304 5793. Please include your name, the product or service, and your payment reference.