Refund and Returns Policy -

Retire Ready HQ

Last updated: May 25, 2026

Thank you for purchasing from Retire Ready HQ. We are committed to providing valuable educational resources, tools, courses, workbooks, and support experiences designed to help individuals become more structured and intentional about retirement readiness.

Please read this Refund and Returns Policy carefully before making a purchase.

By purchasing from RetireReadyHQ.com, you agree to the terms outlined below.

1. Contact Information

For all refund, return, or order-related questions, please contact us at:

Email: [email protected]

Please include your full name, order number, purchase date, product purchased, and a brief explanation of your request.

2. Digital and Virtual Products

Due to the nature of digital and virtual products, all sales are final once access has been granted, the product has been delivered, or the customer has received access to the content.

Digital and virtual products include, but are not limited to:

Online courses
Membership access
Digital workbooks
Downloadable PDFs
Templates
Calculators
Digital toolkits
Recorded sessions
Virtual workshops
Webinars
Online coaching materials
Private client portals or dashboards
Any other digital resource delivered electronically

Because these products can be accessed, viewed, downloaded, copied, or used immediately after purchase, we do not offer refunds, exchanges, or returns for digital or virtual products, except where required by applicable law.

3. Course and Membership Access

Payments made for course access, membership access, or protected learning areas are non-refundable once access has been granted.

This includes situations where:

The customer does not complete the course
The customer changes their mind
The customer no longer wishes to participate
The customer does not log in or use the materials
The customer purchases the wrong course level or access tier
The customer misses live sessions, calls, or scheduled activities
The customer fails to follow the course instructions or timelines

Retire Ready HQ provides access, structure, resources, and support based on the product or program purchased. Results depend on each participant’s personal circumstances, level of participation, implementation, and financial situation.

4. Payment Plans

Where a payment plan is offered, the customer is responsible for completing all scheduled payments unless otherwise agreed in writing.

Failure to complete payment plan obligations may result in:

Suspension of course access
Suspension of membership access
Removal from private program areas
Loss of access to bonuses, live sessions, or support features
Ineligibility for future upgrades, certificates, or completion benefits

Payments already made under a payment plan are non-refundable once access has been granted.

5. Physical Products

From time to time, Retire Ready HQ may offer physical products such as printed workbooks, printed guides, journals, mailed materials, or other tangible resources.

Physical products may be eligible for return only if the item is:

Unused
Undamaged
In good condition
Returned within the approved return window
Accompanied by proof of purchase
Approved for return by Retire Ready HQ in writing before being sent back

Customers must contact [email protected] before returning any physical product.

6. Physical Product Return Window

Return requests for physical products must be submitted within 7 calendar days of receiving the item.

Requests made after this period may not be accepted.

7. Refund Amount for Approved Physical Returns

For approved physical product returns, Retire Ready HQ may issue a refund of up to 60% of the original product price.

This means that up to 40% of the product price may be retained to cover administrative costs, handling, processing, packaging, preparation, and other related expenses.

Shipping, delivery, courier, bank, processing, or transaction fees are non-refundable unless otherwise required by law.

8. Return Shipping Costs

Customers are responsible for any costs associated with returning a physical product, including courier, postage, delivery, or transport costs.

Retire Ready HQ is not responsible for items lost, delayed, or damaged during return shipping. Customers are encouraged to use a trackable return method where possible.

9. Damaged, Defective, or Incorrect Physical Items

If you receive a physical item that is damaged, defective, or incorrect, please contact us at [email protected] within 48 hours of receiving the item.

Please include:

Your name
Order number
Date received
A description of the issue
Clear photos or video showing the condition of the item

Where a physical product is confirmed to be defective, damaged before delivery, materially different from what was ordered, or otherwise subject to a legal remedy, Retire Ready HQ will review the matter and provide the appropriate solution, which may include replacement, correction, store credit, or refund where required.

Nothing in this policy is intended to remove any rights a customer may have under applicable consumer protection laws.

10. Non-Returnable Physical Items

Physical products will not be accepted for return if they are:

Used
Written in
Damaged by the customer
Torn, stained, altered, or marked
Missing pages or components
Returned without approval
Returned outside the approved return window
Customized, personalized, or specially prepared for the customer
Part of a bundle where the digital portion has already been accessed

11. Bundles Containing Digital and Physical Products

Some Retire Ready HQ offers may include both digital and physical components.

Where a bundle includes digital access, course access, downloadable materials, or virtual support, the digital portion of the purchase is non-refundable once access has been granted.

If a physical item within a bundle is approved for return, any refund will be assessed only on the physical product portion of the bundle, not the full bundle price.

The maximum approved refund for eligible physical items remains up to 60% of the physical item value, subject to the conditions in this policy.

12. Services, Consultations, and Coaching Sessions

Fees paid for consultations, coaching sessions, walkthrough sessions, advisory support, live implementation sessions, or private appointments are non-refundable once the session has been booked, delivered, partially delivered, missed, or access has been made available.

Rescheduling may be allowed at the discretion of Retire Ready HQ, provided reasonable notice is given.

Missed appointments, late cancellations, or no-shows may result in forfeiture of the session.

13. Chargebacks and Payment Disputes

Customers are encouraged to contact us first at [email protected] if there is an issue with a purchase.

Filing a chargeback or payment dispute without first allowing Retire Ready HQ the opportunity to review the matter may result in suspension of access to digital products, courses, memberships, services, and future purchases while the matter is being investigated.

14. Processing Approved Refunds

If a refund is approved, it will be processed using the original payment method where possible.

Processing times may vary depending on the payment provider, bank, or payment platform.

Retire Ready HQ is not responsible for delays caused by third-party payment processors or financial institutions.

15. Changes to This Policy

Retire Ready HQ may update this Refund and Returns Policy from time to time.

Any changes will be posted on this page with the updated date. The policy in effect at the time of purchase will generally apply to that purchase, unless otherwise required by law.

16. Final Note

Retire Ready HQ is built to provide structure, education, tools, and support for persons seeking to become more intentional about retirement readiness and financial planning.

We encourage all customers to carefully review the product description, access details, delivery format, and support terms before completing a purchase.

For questions before or after purchasing, please contact:

[email protected] product to reach you may vary.

If you are returning more expensive items, you may consider using a trackable shipping service or purchasing shipping insurance. We don’t guarantee that we will receive your returned item.