Refund & Cancellation Policy

This policy applies to everything paid for through Craige Hardel Coaching and the High Achiever Society, including:

1. Private coaching, including the entry session and any ongoing coaching arrangement.
2. Accountability coaching and multi-session coaching packages.
3. High Achiever Society memberships — Podcast Premium, Accountability Pro, and the Inner Circle.
4. Courses, workshops, and live training, whether self-paced or scheduled.
5. Digital products such as planners, templates, assessments, and downloadable resources.

Find the thing you bought in the left-hand column. The window is measured from the date of purchase for digital items, and from the scheduled start time for live calls and sessions.

Five steps, and you only have to do the first one. You never need to justify a refund request or explain what went wrong — though if you do tell us, it genuinely shapes what gets built next.

1. 01

   Send the request

   Reply to your purchase receipt or booking confirmation and write "refund". That keeps your order details attached to the message, which is the fastest route by far. The contact form on the main site works too.

   Any time — day one to day fourteen
2. 02

   We confirm we have it

   You get a short reply confirming the request has been received and logged, along with the amount involved. No auto-responder, no ticket number to chase.

   Within 1 business day
3. 03

   A decision, with a reason

   Either the refund is approved, or you get a straight explanation of why it falls outside this policy and what the alternative is — a credit, a swap, or a partial refund. No vague refusal.

   Within 2 business days
4. 04

   The refund is issued

   Approved refunds are processed back to the original payment method. We do not hold funds while "looking into it", and there is no administrative charge deducted.

   Immediately on approval
5. 05

   The money lands

   Card refunds typically clear within 5–10 business days depending on your bank. If it has not arrived after 10 business days, message us and we will chase it with the processor on your behalf.

   5–10 business days

Both sides of the ledger, side by side. Nothing in the right-hand column is there to trap you — each entry has a reason, and most have a softer alternative attached.

Coaching is bought in time, and time cannot be sold twice. That is the whole reason the 24-hour window exists — not to punish you, but to keep the calendar honest.

1. Single sessions. Cancel or move at least 24 hours before the start time and you choose a full refund or a credit. Inside 24 hours the session is treated as used.
2. Your first late cancellation each quarter is waived and can be rebooked once, within 30 days. No explanation needed.
3. Coaching packages. Request a refund within 14 days of purchase and the unused portion is refunded pro-rata. Sessions already delivered are deducted; nothing else is.
4. If Craige cancels or moves a call, you choose the next available slot, a credit, or a full refund. It never counts against you.
5. Technical failure on our side — a platform outage, a link that will not open — is not your problem. The session is rescheduled at no cost or refunded.
6. Coaching is not a guarantee of outcomes. Refunds are not issued because a goal was not reached on schedule. Results depend on the work done between sessions, and that part is yours.

Memberships are recurring, so the refund logic is different: the question is not whether you can leave, but what happens to the period you have already paid for.

1. Cancel at any time. From your account, or by replying to any membership email with the word "cancel". There is no lock-in and no cancellation fee.
2. Access continues to the end of the paid period. Cancelling mid-month does not cut off access early, and does not generate a partial-month refund.
3. First purchase protection. If you have just joined and it is not right for you, request a refund within 14 days of your first payment and it is returned in full.
4. Cancelling a subscription does not cancel booked calls. Any one-to-one session already in the calendar still runs under the 24-hour rule.
5. Missed payments are not refundable, but they are also not punitive. Access is paused, and restoring it takes one message rather than a new signup.
6. Inner Circle terms will be published before that tier opens, so nobody joins without knowing the refund position in advance.

1. Self-paced courses: full refund within 14 days, provided less than 25% of the course has been completed. The threshold exists so the refund window stays fair rather than becoming a free trial of the whole library.
2. Live workshops: full refund up to 48 hours before the session. Inside 48 hours, or after the session has run, a credit toward the next workshop is offered instead.
3. Digital products and templates: full refund within 14 days, no explanation required. Keep the files — we are not going to police a download link.
4. Bundles and course libraries are refunded as a whole, not item by item, since the pricing is built on the bundle.
5. If a course or workshop is materially different from how it was described, the window does not apply. Tell us and it is refunded, full stop.

1. Refunds return to the original payment method. We cannot send a refund to a different card or account, because that is how fraud protection works.
2. Card and digital wallet refunds typically appear within 5–10 business days. The delay is your bank's, not ours — the refund itself is issued the moment it is approved.
3. We refund in the currency you paid in, so you are not exposed to exchange-rate movement between purchase and refund.
4. If the money has not arrived after 10 business days, message us with the date of approval and we will chase the payment processor directly on your behalf.
5. Credits never expire silently. If a credit is issued and you have not used it, we will remind you before anything lapses — and credits from a waiver are valid for 30 days.

Sometimes a window is irrelevant. Illness, a family emergency, a bereavement, a sudden change in financial circumstances — these are not scheduling problems and we are not going to hide behind a clause to keep money we should not keep.

1. Tell us as soon as you reasonably can. Even a one-line message is enough. You do not owe anyone details.
2. Where circumstances are serious, the window is waived. The purchase is refunded, credited, or moved without question and without penalty.
3. We look at patterns, not single events. One bad month means nothing. A repeated cycle of refund requests on the same product starts to say something about the product or the fit, and we would rather fix that openly than quietly resent it.

This policy sits on top of the law, not instead of it. Nothing here is intended to reduce a right you already have.

1. Where the law gives you a longer or stronger right than this policy, that right prevails. Where the two conflict, the law wins every time.
2. Consumers in the UK and EU generally have a 14-day right to withdraw from online purchases. On request we will always honour that period for digital products, rather than relying on the immediate-access waiver.
3. Faulty or misdescribed products are always refunded in full, regardless of any window on this page.
4. Nothing in this policy affects your right to raise a dispute with your card issuer or payment provider.
5. Business clients and custom engagements may be governed by separate written terms agreed at the point of sale. Where those exist, they take priority over this page.

This page is one of a small set. Together they cover the calendar, the contract, and your data.

1. Call Cancellation Policy — notice periods, no-shows, rescheduling, and live Society sessions.
2. Terms & Conditions — the wider agreement covering use of this site, courses, and memberships.
3. Privacy Policy — what personal data is collected, why, and how long it is kept.
4. Fastest way to raise anything on this page is to reply to your receipt or booking confirmation, so your order details stay attached to the conversation.