Refund and Cancellation Policy

• Duplicate or mistaken charges, and any amount charged above the price shown at checkout.
• Payments for a product we cannot provide or have withdrawn.
• Undelivered work where we miss a delivery date in the Service Delivery Policy and do not cure it within five business days of your notice.

• Before your baseline session takes place: cancel for a full refund.
• After the baseline session: the fee covers work already started and is not refundable, except that if we fail to deliver a weekly decision card or the closing memo, we refund a pro-rata share of the fee for each undelivered item (one-sixth of the fee per item: the baseline, four decision cards and the closing memo).

• You can cancel at any time from your workspace or by contacting support. Cancellation stops the next renewal. You keep access until the end of the month you have paid for.
• We do not refund part-used months, except under section 1.
• If a renewal payment fails, we retry and notify you. If payment is still outstanding after the retry period, your membership becomes past due and features may be paused until it is paid or cancelled. We do not charge late fees.
• If you are charged for a renewal you cancelled before the renewal date, we refund that renewal in full.

• Before we start preparing the pack: cancel for a full refund.
• After delivery: if the pack is materially missing a deliverable listed on the product page, tell us within 14 days. We will correct it within ten business days, and if we cannot, we refund the fee in full.
• A lender's or investor's decision on your application is not grounds for a refund.

Products bought through a third-party store, such as the 30-Day Decision Pack on Gumroad, are refunded through that store under its process. We will support any refund request that qualifies under section 1.

Email support@bizclinic.africa or message us on WhatsApp at +254113132508, with the name and email or phone number used for payment, the payment reference, and the reason for the request.

We acknowledge requests within two business days and give a decision within five business days. Approved refunds are sent to the original payment method (card, M-Pesa or bank) within ten business days of approval. Your bank or card issuer may take additional time to show the credit. We do not charge a fee to process a refund.

Please contact us before disputing a charge with your bank or card issuer. Most issues are resolved faster directly. If a chargeback is raised, we will respond to the payment processor with the order and delivery records. If you are not satisfied with our decision, see the Complaints and Dispute Resolution Policy.