14 days from purchase, no questions asked. If you read the guide and decide it doesn't deliver what was described on the sales page, email us and we'll refund you in full.
There is no list of "qualifying reasons." There is no requirement to justify your decision. We'd rather not have your money than have an unhappy reader.
We acknowledge refund requests within 48 hours, and the refund is processed via Lemon Squeezy (the payment processor) within 5 working days. Your bank may take an additional 3–10 working days to show the refund on your statement, depending on the card issuer.
The 14 days begin on the date your purchase is confirmed by Lemon Squeezy. The refund window applies to every guide and the complete library, identically.
After 14 days, refunds are not automatic. If there is a genuine problem — the file is corrupted, the link doesn't work, the content materially differs from what was described — write to us and we will handle the situation fairly. We are not in the business of taking money from people who haven't received what they paid for.
This refund policy is offered in addition to any statutory rights you have under UK law.
Under the Consumer Contracts Regulations 2013, consumers normally have a 14-day cancellation right for distance contracts. For digital content delivered immediately, this right is waived as soon as you have started downloading the product — which is why most digital sellers offer no refunds at all. We voluntarily offer a 14-day refund regardless of download status, because we'd rather you only pay for something you actually want.
Two reasons.
First — the guides are written for ordinary UK pensioners on fixed incomes. £175, £225, or £297 is a meaningful amount of money. If you read the library and it isn't useful to you, asking you to keep paying for it would be wrong.
Second — a clear refund policy is part of how this channel signals it is a real business, not a scam. The audience this channel serves is rightly cautious about online purchases. A no-questions refund tells you, before you buy, that we stand behind what we sell.
We reserve the right to decline refunds in clear cases of abuse — for example, the same person buying and refunding repeatedly, or a single account refunding multiple products in succession. This is the only situation where a refund may be denied, and it has never happened in practice.
Refund requests, or any other questions: letters@geraldwhitlock.co.uk