Refund Policy

Last updated: October 20, 2026

This Refund Policy explains how refunds work for the Restart Financial program (the "Service"). It applies alongside our Terms of Service. Please read it before you buy, so you know exactly what to expect.

1. All purchases are final

Access to the paid program is available for a one-time payment (CAD $1,649 unless otherwise stated at checkout) with no recurring subscription. Payment unlocks the current course library and online tools available for your country. Online tools and services are not downloaded or delivered permanently, and their availability is governed by the Terms of Service. Once paid access is granted, purchases are generally final except as described in this Policy or required by law.

2. Why we handle it this way

We want this visible before checkout. Paid access begins immediately, and digital course access cannot be returned in the same way as a physical product. That is why the general policy is final sale. It does not override billing corrections, the exceptional review process, or non-waivable consumer rights.

3. Try it for free before you pay

The Debt Roll-Up calculator is free and requires no purchase. It shows a Snowball versus Avalanche estimate from the figures entered; it does not preview every course, the Money Coach, every country-specific feature, or prove that the paid program is suitable. Review the pricing page, legal terms, curriculum availability, and any unanswered accessibility or support questions before buying.

4. Your rights under applicable law

Nothing in this policy takes away any rights you have that cannot be waived under the consumer-protection laws of your province, state, or country. Where required by applicable law, you may be entitled to a cancellation or "cooling-off" right for certain digital purchases, or to a remedy where a product is not as described. If a non-waivable legal right applies to your purchase, it applies despite anything else in this policy — please contact us so we can help you exercise it. Because these rights vary by location and can change, we describe them here in general terms only and don't try to summarize the law for every region; if you're unsure of your rights, you may wish to check the consumer-protection resources for your province, state, or country.

5. Exceptional circumstances

We know life happens. If you believe your situation is genuinely exceptional — for example, a duplicate charge, a billing error, or an accessibility issue that prevented you from ever using the Service — we're happy to review it in good faith. This is a case-by-case review, not a guarantee of a refund, and it doesn't change the general policy that purchases are final. Reach out to us at the address below and tell us what happened; we'll look into it fairly.

6. Duplicate charges & billing errors

Payments are processed securely by Stripe. If you were charged more than once for the same purchase, or you see a charge you don't recognize from us, contact us with the details and we'll investigate and correct any confirmed billing error.

7. Free access through a partner

If you received access at no cost through one of our partner organizations (CreditLift in Canada or Simula in the United States) via an access code, no payment was made and so no refund applies. Questions about partner access can also be sent to us at the address below.

8. Changes to this policy

We may update this Refund Policy from time to time. Any changes will be reflected by updating the "Last updated" date above and will apply to purchases made after that date. Your purchase is governed by the version of this policy in effect at the time you buy.