Refund and Cancellation Policy

Because ebooks and other digital products are delivered immediately and cannot be returned, all digital-product purchases are final and nonrefundable once access or a download link has been provided.

A refund or replacement may be considered when:

• •You were charged more than once for the same purchase.
• •You received the wrong digital product.
• •A technical problem caused by Naudica & Co. prevents you from accessing your purchase.
• •A refund is otherwise required by applicable law.

Technical issues must be reported within seven calendar days of purchase. Before requesting a refund, please allow Naudica & Co. an opportunity to correct the issue or provide a replacement download link.

Customers are responsible for providing an accurate email address during checkout. Digital purchases are for the purchaser's personal use and may not be copied, resold, distributed, uploaded, or shared without written permission.

Clients may cancel or reschedule an individual coaching session by providing at least 48 hours' notice.

• •At least 48 hours' notice: The session may be rescheduled once or refunded, minus any nonrefundable payment-processing fees.
• •Between 24 and 48 hours' notice: The payment may be applied once as a credit toward a rescheduled session. No cash refund will be issued.
• •Less than 24 hours' notice: The session payment is nonrefundable and the session is forfeited.
• •No-call/no-show: The session payment is nonrefundable and the session is forfeited.

A client is considered a no-show when they have not joined or arrived within 15 minutes of the scheduled start time and have not contacted Naudica & Co.

Arriving late does not extend the scheduled ending time. Naudica & Co. may conduct the remainder of the session when practical, but the full session fee will still apply.

Rescheduled sessions must be completed within 60 days of the original appointment unless otherwise agreed in writing.

Payments for coaching packages reserve ongoing availability and include preparation beyond scheduled sessions.

A client may request cancellation before the first session begins. Any refund approved before services begin will exclude nonrefundable payment-processing fees and the value of materials, assessments, or personalized preparation already provided.

Once the coaching package or program has begun:

• •Completed sessions are nonrefundable.
• •Missed or late-cancelled sessions are considered used.
• •Digital materials already delivered are nonrefundable.
• •Remaining unused sessions may be eligible for a future service credit at Naudica & Co.'s discretion.
• •Unless otherwise stated in the offer, unused sessions must be completed before the package expiration date.

Payment plans are financial arrangements for the total package price and are not pay-per-session plans. Ending participation does not automatically cancel an outstanding contractual payment obligation.

Any package-specific agreement signed by the client will control if its terms differ from this general policy.

Cancellation terms for ticketed workshops and public events are:

• •Seven or more calendar days before the event: A refund may be requested, minus nonrefundable payment-processing fees.
• •Three to six calendar days before the event: The registration may be transferred to another person or converted to a credit for a future eligible Naudica & Co. event. No cash refund will be issued.
• •Fewer than three calendar days before the event: The registration is nonrefundable.
• •No-call/no-show: The registration is nonrefundable and no credit will be issued.

Transfer requests must be submitted before the event begins and must include the substitute attendee's name and email address.

Failure to attend an event does not qualify for a refund, recording, make-up session, or future credit unless the original offer expressly states otherwise.

Private workshops, organizational engagements, and speaking appearances require a signed agreement and deposit before the date is reserved.

Unless a separate written agreement states otherwise:

• •A 50% nonrefundable deposit is required to reserve the date.
• •The remaining balance is due according to the signed agreement.
• •Dates are not held without the required deposit.
• •Client-requested date changes are subject to Naudica & Co.'s availability.
• •One rescheduling request may be permitted when made at least 30 calendar days before the engagement.
• •Rescheduled engagements must generally occur within six months of the original date.

If the client cancels:

• •More than 30 days before the engagement: Amounts paid beyond the nonrefundable deposit may be refunded.
• •Between 15 and 30 days before the engagement: Payments may be applied toward one rescheduled engagement. No cash refund will be issued.
• •Fewer than 15 days before the engagement: All payments are nonrefundable and any remaining contractual balance may still be due.
• •No-call/no-show, inaccessible venue, or failure to provide required event access: The engagement will be treated as a client cancellation.

Approved travel, lodging, transportation, materials, venue expenses, and other nonrecoverable costs incurred for the engagement remain the client's responsibility and are nonrefundable.

The signed workshop or speaking agreement will control if it contains terms different from this general policy.

Community membership is billed automatically each month until cancelled.

Before subscribing, members will be shown:

• •The recurring monthly price.
• •The billing frequency.
• •What the membership includes.
• •How to cancel.
• •When the next charge will occur.

Members may cancel at any time before their next renewal through their account or the stated cancellation method. Cancellation prevents future charges but does not automatically refund the current billing period.

After cancellation, the member will retain access through the end of the already-paid billing period unless access is terminated for a violation of community rules.

Partial-month and prorated refunds are not provided.

A duplicate or incorrect charge should be reported within seven calendar days. A renewal refund may be considered when the request is submitted within 48 hours of renewal and the membership benefits have not been accessed or used during the renewed period.

Removing oneself from the community platform, leaving a group, deleting an account, or failing to attend the monthly call does not automatically cancel billing. The member must complete the stated subscription-cancellation process.

A cancellation confirmation will be provided. Members should retain that confirmation for their records.

Payment plans are provided as a convenience and represent a commitment to pay the full agreed purchase price.

Missed participation, failure to use purchased services, or voluntary withdrawal does not automatically eliminate remaining payments.

If a scheduled payment fails, Naudica & Co. may:

• •Retry the payment.
• •Temporarily suspend access.
• •Request an updated payment method.
• •Cancel future services or membership access.

Any additional payment-plan terms disclosed at checkout or contained in a signed agreement also apply.

If Naudica & Co. cancels a paid session, workshop, or event and does not provide a reasonable rescheduling option, the customer will receive a refund for the affected service.

Naudica & Co. is not responsible for indirect expenses such as transportation, lodging, childcare, lost wages, or other arrangements made by attendees unless required by law.

When an event must be postponed due to severe weather, illness, emergencies, venue problems, government restrictions, or circumstances beyond reasonable control, registration will generally be transferred to the rescheduled date. If rescheduling is not reasonably possible, Naudica & Co. will communicate the available refund or credit options.

Naudica & Co. understands that genuine emergencies occur. Requests involving documented emergencies may be reviewed individually, but submitting a request does not guarantee a refund or policy exception.

Any exception applies only to that specific situation and does not waive this policy for future purchases or appointments.

To cancel, reschedule, report a technical issue, or request a policy review, contact:

Include:

• •Your full name
• •The email used for purchase
• •The product, membership, session, or event
• •The purchase or appointment date
• •Your order or confirmation number
• •A brief explanation of the request

Submitting a request does not guarantee approval. Approved refunds will be returned to the original payment method. Financial institutions may require additional time to post the refund.

Naudica & Co. may update this policy as its services evolve. The policy displayed at the time of purchase or booking will apply to that transaction unless applicable law requires otherwise.