Refunds & Returns Policy

Summary

• Digital products: Purchases are generally final once access or download has been granted.
• Access problems: If a supplied file fails to download or open, support can restore access or provide a replacement.
• Duplicate purchases: Verified duplicate charges can be reversed.
• Consultations: Rescheduling requires at least 24 hours’ notice; late cancellations and no-shows are generally forfeited.

Digital products

Digital products are delivered electronically, usually by download link or account access. If a supplied file is corrupted, incomplete, missing, or will not open, contact support with the order details and technical information so access can be restored or a working file provided.

Consultation services

Consultations may be rescheduled when at least 24 hours’ notice is provided. Sessions missed, cancelled, or moved inside that window are generally forfeited. If a problem on our side prevents delivery, the session will be rebooked or another suitable remedy provided.

Duplicates, errors, and exceptional cases

Verified duplicate charges can be reversed. Orders affected by an obvious pricing or listing error may be cancelled and refunded. Transactions suspected of fraud or abuse may be refused, reversed, or restricted.

Approved refunds are normally returned to the original payment method where possible. Processing time is controlled partly by the payment provider and receiving bank.

Payment disputes

Please contact support before starting a payment dispute so delivery, duplicate, or technical issues can be reviewed promptly. Where a dispute is opened, relevant order, delivery, access, and communication records may be supplied to the payment provider as permitted by law.

Fraudulent or abusive disputes may result in suspension of access, without limiting any rights available under applicable law.

How to request help

Email support@novamastersconsulting.com with:

• Your name and purchase email.
• The order ID or receipt.
• A concise description of the issue.
• Your device, operating system, and reader application for file problems.

Typical replies are sent within 24–48 hours on business days, though complex cases may take longer.

Updates

This policy may be updated periodically. The effective date should be revised when changes are published. The Terms of Use, Digital Products Policy, Consultation Policy, and Privacy Policy should be read together with this page.