Refunds & cancellations

This policy applies to paid consultations and workshops offered by Fairgrove Retirement Advice. Discovery calls are free and do not require payment.

Refund eligibility

If you cancel a paid consultation before we begin document review or a working session, you may request a full refund of fees paid for that engagement. Once we have started reviewing your statements or have held the working session, fees are generally non-refundable except as described below.

Timeframe to request a refund

Refund requests should be emailed to hello@dynamicnetops.digital within fourteen days of payment if work has not started, or within seven days of the issue arising if you believe delivered work does not match the agreed scope.

Full and partial refunds

• Full refund: cancellation before document review begins; workshop place cancelled at least fourteen days before the workshop date; or we cancel an engagement for reasons within our control and cannot offer a suitable alternative date.
• Partial refund: if we agree the written deliverable is incomplete relative to the engagement letter, we may refund a portion reflecting unfinished work, or complete the outstanding items at no extra charge.

Non-refundable items

Fees for work already performed (statement review time, working sessions held, written maps delivered) are non-refundable. Third-party costs you incur separately (accountant fees, scheme tracing charges levied by providers) are outside this policy.

Deposits

Where a deposit is taken to reserve a couples workshop place, it is applied to the workshop fee. Deposits are refundable if you cancel at least fourteen days before the workshop; later cancellations forfeit the deposit unless we fill your place.

Cancellation and rescheduling

You may reschedule a working session once without charge if you give at least forty-eight hours’ notice. Later changes or repeated rescheduling may incur a £60 administration fee. If you miss a scheduled session without notice (no-show), that session fee is non-refundable; we may charge to rebook.

Work already started

If you withdraw after we have begun reviewing documents, we invoice for time spent at the rates implied by your engagement letter, capped at the agreed total fee. Any unused balance may be refunded.

Purchased materials

Workshop workbooks included in the fee are yours to keep. We do not sell separate physical product kits; therefore product-return rules for goods do not apply.

Refund method and processing time

Approved refunds are returned by bank transfer to the account that paid, usually within ten working days of approval. We confirm by email when the transfer is instructed.

How to request a refund

Email hello@dynamicnetops.digital with your name, the consultation type, payment date, and reason. You may also write to 5910 Toy Cliffs, Old Doylewick, Northern Ireland, United Kingdom or call +44-8-289-7590.

Exceptions

Statutory rights under UK consumer law remain unaffected. If a cooling-off right applies to a distance contract for services and you cancel within the statutory period before work begins, we will honour that right.