Effective Date: 1st February, 2026 Digital Products — Courses, Coaching, Ebooks, and Audiobooks All SavvyPro digital products are delivered immediately upon payment. Due to the nature of digital content, we have a strict 7-day refund window from the date of purchase. Refunds will be considered if: Request is made within 7 days of purchase Less than 20% of the digital product content has been accessed Refunds will NOT be considered if: Request is made after 7 days Significant course content has been accessed Reason is change of mind or change of schedule Course Access All course purchases include 12 months access. If life gets busy, your content waits for you. Physical Products — Paperbacks Damaged or incorrect items qualify for replacement within 14 days. Proof of damage required. How to Request WhatsApp: wa.me/260961120222 Email: [insert email] We respond within 48 hours.