Return & Refund Policy

Last Updated: September 29, 2026

Thank you for purchasing from OurMoney. Please read this Return & Refund Policy carefully before completing your purchase.

1. All Sales Are Final

Due to the digital nature of our products, all purchases are final and non-refundable.

Once a purchase has been completed and the digital product has been made available to you, you are not entitled to a refund, return, exchange, credit, or cancellation simply because you changed your mind, no longer want the product, purchased the product by mistake, or are dissatisfied with the product after accessing or downloading it.

By completing your purchase, you acknowledge and agree to this policy.

2. No Refunds After Purchase

We do not provide refunds for:

• Change of mind

• Accidental purchases

• Failure to use the product

• Failure to achieve a particular result or outcome

• Personal preference regarding the product

• Purchasing the wrong product

• Duplicate purchases

• Failure to read the product description before purchasing

• Failure to review the product's features, requirements, or contents before purchasing

• Lack of use after purchase

• Dissatisfaction based solely on personal expectations

Because our products are delivered digitally, they cannot be physically returned once access has been provided.

3. Product Description and Customer Responsibility

We make reasonable efforts to accurately describe our products, including their features, contents, format, and intended use.

Customers are responsible for reviewing the product description and any information provided on the website before completing their purchase.

The purchase of a product constitutes the customer's acknowledgment that they have had the opportunity to review the available product information before purchasing.

4. Technical Issues and Access Problems

If you experience a genuine technical problem that prevents you from accessing the digital product or receiving the product that you purchased, please contact us at kikibillynicolas@gmail.com.

We may, at our discretion, provide reasonable assistance to resolve the issue or restore access to the product.

Technical assistance does not constitute a general right to a refund.

5. Unauthorized Use, Sharing, or Distribution

Purchasing a digital product grants you a limited, non-exclusive, non-transferable right to use the product for its intended personal or authorized purpose.

You may not reproduce, redistribute, resell, share, copy, publish, upload, distribute, sublicense, or otherwise make the product available to third parties without our prior written permission.

Unauthorized distribution or sharing of the product may result in the termination of your access without a refund, in addition to any other rights or remedies available to us under applicable law.

6. Errors, Defects, or Incorrect Products

If you believe that the product you received is materially different from the product that was advertised or contains a significant technical defect, contact us at kikibillynicolas@gmail.com with your order information and a description of the issue.

We will review the situation and, where appropriate, may provide a replacement, correction, restoration of access, or other remedy.

Nothing in this policy is intended to exclude or limit any rights or remedies that cannot legally be excluded or limited under applicable consumer-protection law.

7. Chargebacks and Payment Disputes

If you have an issue with your purchase, please contact us before initiating a payment dispute or chargeback so that we have an opportunity to investigate and resolve the issue.

Submitting a chargeback or payment dispute does not automatically establish an entitlement to a refund.

We reserve the right to provide relevant transaction, order, delivery, and access information to the applicable payment processor or financial institution when responding to a disputed transaction.

8. Statutory Consumer Rights

This policy applies to the maximum extent permitted by applicable law.

Nothing in this policy is intended to waive, restrict, or eliminate any consumer rights, statutory warranties, cancellation rights, or other protections that cannot legally be waived or excluded.

Where applicable law provides a consumer with a right to cancel a transaction or obtain a remedy despite this policy, those legal rights will continue to apply.

9. Policy Changes

We reserve the right to modify this Return & Refund Policy at any time. The version of the policy in effect at the time of your purchase will generally apply to that purchase, subject to applicable law.

10. Contact

For questions regarding this policy or a technical issue with an order, contact:

OurMoney
Email: kikibillynicolas@gmail.com
Website: ourmoneyplanner.com