Refund Policy

About This Refund Policy

This Refund Policy explains when payments made to Janeisha Cambridge for Zero Debt Degree subscriptions, services, programs, digital resources, and other paid offerings may be refunded. It should be read together with our Terms and Conditions and any purchase-specific terms presented at checkout.

By making a purchase, you acknowledge that you have had an opportunity to read the refund terms applicable to your purchase. Different refund terms may apply to subscriptions, consultations, coaching programs, digital products, promotional offers, or other services.

Where a specific refund or money-back guarantee is displayed and accepted when you purchase a product or service, the terms of that offer will apply to the applicable purchase. Nothing in this Refund Policy limits rights or remedies that cannot lawfully be restricted.

Subscription Payments

Pathfinder and Trailblazer are recurring monthly subscriptions. Subscription fees are charged according to the price and billing frequency presented when you subscribe and will continue at the applicable billing interval until the subscription is canceled.

Unless otherwise stated during purchase or required by applicable law, subscription payments are non-refundable once charged. A subscription charge provides access to the applicable paid features for the billing period, regardless of how frequently those features are used.

Canceling a subscription stops subsequent renewals but does not ordinarily reverse a payment already incurred. Where applicable, paid access may remain available through the end of the billing period for which payment has already been made.

Subscription Cancellations

You may cancel a recurring subscription using the cancellation method available through your account, the application, or another method presented when you subscribe. Cancellation should be completed before the next renewal date to prevent the next recurring charge.

Unless applicable law or purchase-specific terms provide otherwise, cancellation does not result in a prorated refund for the remaining portion of a billing period. Failure to use the Services during a paid billing period does not by itself create a right to a refund.

You are responsible for completing cancellation through an available cancellation method. If you experience a technical problem that prevents cancellation, you should contact us promptly so the circumstances can be investigated.

Consultations and Coaching Services

Consultations, coaching programs, and similar professional services may be subject to refund, cancellation, rescheduling, attendance, or money-back guarantee terms presented when the service is purchased or booked. Those specific terms will apply to the applicable transaction.

Where a money-back guarantee is expressly offered with a consultation, coaching program, or other service, a qualifying customer may request a refund according to the conditions, procedure, and time period stated in that offer at the time of purchase.

Unless a specific guarantee, purchase term, or applicable law provides otherwise, completing, attending, receiving, or substantially using a consultation, coaching session, or other professional service does not create an automatic right to a refund.

Digital Products and Resources

Certain purchases may provide immediate access to downloadable materials, scholarship lists, templates, educational resources, databases, books, or other digital content. Refund eligibility for these purchases will be governed by the terms displayed at the time of purchase and applicable law.

Where digital content has been downloaded, accessed, delivered, or otherwise made available, a refund may be unavailable unless a refund right was specifically offered, the content was not provided as described, a technical problem prevented access, or applicable law requires otherwise.

Dissatisfaction based solely on scholarship outcomes, award decisions, application results, or failure to obtain a particular financial result does not create a refund right unless a specific money-back guarantee applicable to the purchase states otherwise.

Promotions, Discounts, and Special Offers

Purchases made through a promotion, discount, trial, bundle, coupon, or special offer may be subject to additional refund or cancellation conditions presented with that offer. Those conditions form part of the applicable purchase terms.

Where promotional terms differ from this general Refund Policy, the transaction-specific terms presented and accepted during purchase will apply to that transaction to the extent permitted by law.

Expiration of a discount, failure to use a purchased service, or later availability of a different price does not by itself entitle a customer to a refund, credit, or retroactive price adjustment.

Duplicate, Incorrect, or Unauthorized Charges

If you believe you were charged more than once for the same transaction, charged an incorrect amount, billed after a properly completed cancellation, or charged without authorization, please contact us promptly with sufficient information to identify the transaction.

We may request information reasonably necessary to investigate the charge, such as the account email address, transaction date, amount charged, service purchased, and supporting payment information. You should not send complete payment card numbers or other unnecessary financial information.

Where our investigation determines that a charge was made incorrectly or that a refund is otherwise required, the applicable amount will be submitted for refund through the appropriate payment method or payment-processing channel.

Technical and Access Problems

If a paid feature, subscription, digital resource, or service cannot be accessed because of a technical problem attributable to the Services, please contact us so the issue can be investigated and, where reasonably possible, addressed.

A temporary interruption does not automatically create a right to a refund. Depending on the circumstances, duration, nature of the purchase, and applicable law, an appropriate remedy may involve restored access, corrected account access, replacement access, a credit, or a refund.

Technical problems caused by a user’s device, internet connection, incompatible third-party software, incorrect login information, or a third-party service outside our reasonable control do not ordinarily create a refund right.

Scholarship Results

Payments are made for access to the applicable subscription features, scholarship resources, consultations, coaching, educational materials, or other purchased services. Payment does not purchase or guarantee a scholarship award or any particular financial, academic, or professional outcome.

A refund will not ordinarily be issued solely because a user does not receive a scholarship, does not qualify for a particular opportunity, misses an application deadline, chooses not to apply, or is dissatisfied with a scholarship provider’s decision.

Scholarship providers independently establish eligibility requirements and make award decisions. Any specific money-back guarantee expressly applicable to your purchase will remain subject to its stated terms notwithstanding this section.

Refund Requests

To request a refund, contact Janeisha Cambridge through the website contact form or at contact@janeishacambridge.com. Please provide the name and email address associated with the purchase, the applicable product or service, the transaction date, and the reason for your request.

We may request additional information reasonably necessary to locate the transaction, confirm account ownership, determine whether a purchase-specific guarantee applies, investigate the circumstances, or process an approved refund.

Submitting a request does not by itself mean that a refund has been approved. Each request will be considered under this Refund Policy, the terms applicable to the purchase, any applicable guarantee, and any rights available under applicable law.

Approved Refunds

When a refund is approved, it will generally be returned through the original payment method or another method permitted or required under the circumstances. Refund processing may involve a third-party payment processor or financial institution.

The time required for an approved refund to appear may depend on the payment method, payment processor, bank, card issuer, or other financial institution involved. Processing periods outside our systems may be outside our direct control.

An approved refund does not necessarily cancel a recurring subscription unless the subscription is also canceled. Customers should confirm the status of any recurring subscription separately to prevent subsequent renewal charges.

Chargebacks and Payment Disputes

If you believe a payment was made in error, charged incorrectly, or otherwise requires investigation, you may contact us with the relevant transaction details. We will assess the available account, billing, cancellation, and service records to determine whether a correction or refund is appropriate.

If a chargeback or other payment dispute is initiated through your bank, card issuer, payment provider, or financial institution, we may provide relevant transaction and account records reasonably necessary to respond to the dispute. Any information provided will be handled in accordance with our Privacy Policy and applicable law.

The initiation of a payment dispute does not by itself determine whether a payment was incorrect or whether a refund is due. Refund eligibility remains subject to the terms applicable to the purchase, this Refund Policy, and any applicable legal requirements.

Your rights and remedies under applicable law and the terms governing your payment method remain unaffected by these payment dispute provisions.

Account Suspension or Termination

If an account is suspended or terminated because of fraud, unlawful activity, nonpayment, unauthorized use, material misuse of the Services, or a material violation of the Terms and Conditions, amounts previously paid will not ordinarily be refunded.

If we discontinue a paid service before the end of an applicable prepaid service period for reasons unrelated to a user’s conduct, an appropriate refund, credit, continued access, or other remedy may be provided based on the circumstances and applicable law.

Refunds required by applicable law will not be denied solely because an account has subsequently been suspended or terminated.

Changes to This Refund Policy

We may update this Refund Policy to reflect changes to our Services, subscription offerings, purchasing practices, refund procedures, or applicable legal requirements. The revised policy will display an updated “Last Updated” date.

Changes will apply prospectively unless otherwise permitted by applicable law. An update will not retroactively remove a refund right or specific money-back guarantee that formed part of an earlier purchase where that right remains legally enforceable.

Purchase-specific refund, cancellation, promotional, or guarantee terms may continue to govern the applicable transaction after this Refund Policy has been updated.

Applicable Consumer Rights

Certain federal, state, or other applicable laws may provide refund, cancellation, billing, or consumer rights that apply regardless of the provisions of this Refund Policy.

This Refund Policy does not waive or restrict any consumer right or legal remedy that cannot lawfully be waived or restricted by agreement.

Where a provision of this Refund Policy conflicts with a mandatory legal requirement applicable to a transaction, that legal requirement will apply to the extent of the conflict.

Contact Us

If you have questions about a payment, cancellation, refund request, money-back guarantee, or this Refund Policy, you may contact Janeisha Cambridge through the contact form available on the website.

You may also contact us at contact@janeishacambridge.com. Please provide sufficient information for us to identify the applicable account, purchase, or transaction and understand the nature of your request.