Refund and Return Policy

I want you to be satisfied with every purchase and engagement. This policy explains how refunds work for both digital products and consultancy services.

1. Digital Products

1.1 General Policy

All digital products (playbooks, frameworks, spreadsheets, roadmaps) are delivered electronically and available for immediate download after purchase. Because digital files cannot be “returned” once downloaded, all sales are final by default.

1.2 Exceptions

I issue refunds for digital products in these situations:

• Duplicate purchase: You accidentally bought the same product twice. Contact me within 7 days and I refund the duplicate.
• Technical issues: The file is corrupted, won’t open, or is incomplete. Contact me within 7 days. I first attempt to resolve the issue by sending a replacement. If I can’t fix it, you get a full refund.
• Significantly not as described: The product content is materially different from what the product page described. Contact me within 7 days with a specific explanation of the discrepancy.

1.3 Non-Refundable Situations

Refunds are not available when:

• You changed your mind after purchase
• You found the information available elsewhere
• The product doesn’t match your expectations but accurately matches the product description
• More than 7 days have passed since purchase

2. Consultancy Services

2.1 Discovery Calls

Discovery calls are free. No refund applies.

2.2 Paid Engagements

Consultancy engagements are governed by the Statement of Work (SOW) signed between us. The SOW defines payment terms, milestones, and cancellation conditions specific to your project.

General refund principles for consultancy work:

• Before work starts: Full refund of any prepayment if you cancel before I begin work.
• During the engagement: You pay for work completed up to the cancellation date. Remaining prepaid balance is refunded within 30 days.
• After delivery: Completed and delivered work is not refundable. If you’re unsatisfied with a deliverable, I work with you to revise it according to the original scope.

3. How to Request a Refund

Email me at eman.ali.mughal@gmail.com with:

• Your order number or transaction reference
• The product or service you’re requesting a refund for
• The reason for your refund request

I respond to all refund requests within 3 business days.

4. Refund Processing

Approved refunds are processed through the original payment method within 7 to 10 business days. Depending on your bank or payment provider, it may take additional time for the refund to appear in your account.

5. Chargebacks

Please contact me directly before filing a chargeback with your payment provider. I resolve most issues within 48 hours. Filing a chargeback without first contacting me results in permanent account suspension and loss of access to all purchased products.

6. Changes to This Policy

I may update this refund policy at any time. Changes take effect when posted on this page. The policy in effect at the time of your purchase applies to that transaction.

7. Contact

Eman Ali Mughal

Email: eman.ali.mughal@gmail.com

Website: emanalimughal.com