Refund Policy

Last Updated: January 17, 2025

Important Notice: Due to the digital nature of our products, all sales are final. Please read this policy carefully before making a purchase.

This Refund Policy explains our policies and procedures on refunds and returns for Your Money Unlocked (operated by Ronin Retail LLC).

1. Digital Products Policy

Your Money Unlocked specializes in digital products including educational courses, guides, templates, checklists, and other downloadable materials. Due to the immediate access and digital nature of these products, all sales are final and no refunds will be provided.

By purchasing any digital product from Your Money Unlocked, you acknowledge and agree that:

  • You will receive immediate access to download the purchased materials

  • Once accessed, the product cannot be "returned" as it has been delivered

  • All sales are final with no exceptions

  • You have read and understood this no-refund policy

2. Product Access

Upon successful payment processing, you will receive:

  • Immediate access to download your purchased digital products

  • Email confirmation with download links

  • Access instructions and any relevant account information

It is your responsibility to:

  • Download and save your purchased materials immediately

  • Ensure you have the technical capabilities to access the files

  • Contact us within 24 hours if you experience any technical issues with downloads

3. Technical Support

While we do not offer refunds, we are committed to ensuring you can access your purchased products. We provide technical support for:

  • Download issues within 24 hours of purchase

  • File format compatibility questions

  • Access problems due to technical errors on our end

Technical support does not constitute grounds for a refund, but we will work with you to resolve any legitimate access issues.

4. Fraudulent Transactions

In cases of proven fraudulent transactions or unauthorized use of payment methods, we will work with the appropriate financial institutions and may, at our sole discretion, reverse charges. This is not considered a refund but rather a correction of fraudulent activity.

5. Product Descriptions

We make every effort to provide accurate and comprehensive descriptions of our digital products. Before purchasing, please:

  • Carefully read all product descriptions

  • Review any available previews or samples

  • Contact us with questions before purchasing

  • Ensure the product meets your specific needs

6. Free Products and Lead Magnets

Free products, samples, and lead magnets are provided "as is" with no warranties or guarantees. Since these items are provided at no cost, they are not subject to any return or refund policies.

7. Exceptional Circumstances

In very rare and exceptional circumstances, we may consider providing account credit (not cash refunds) for future purchases. This is entirely at our discretion and may include situations such as:

  • Significant technical errors that prevent product access

  • Major discrepancies between product description and delivered content

  • Duplicate accidental purchases made within a short timeframe

Any consideration of account credit must be requested within 48 hours of purchase and is subject to verification and approval.

8. Chargeback Policy

Initiating a chargeback or dispute with your credit card company instead of contacting us directly is considered fraudulent activity. If you have concerns about your purchase, please contact us first at support@yourmoneyunlocked.net.

Chargebacks initiated without first attempting to resolve the issue with us may result in:

  • Immediate termination of access to all products and services

  • Blacklisting from future purchases

  • Legal action to recover costs and fees

9. Contact for Issues

If you experience any technical difficulties accessing your purchased products or have questions about this policy, please contact us immediately:

Email: support@yourmoneyunlocked.net

Subject Line: "Technical Support - [Your Order Number]"

Response Time: Within 24 hours during business days

10. Policy Changes

We reserve the right to update this Refund Policy at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes constitutes acceptance of the new policy.

11. Governing Law

This Refund Policy is governed by the laws of North Carolina, United States. Any disputes related to refunds or returns will be subject to the jurisdiction of North Carolina courts.

12. Contact Information

Business Name: Your Money Unlocked (operated by Ronin Retail LLC)

Email: support@yourmoneyunlocked.net

Address: 8801 Fast Park Drive, Suite 301, Raleigh, NC 27617

Before making any purchase, please ensure you understand and agree to this no-refund policy. By completing a purchase, you acknowledge that you have read, understood, and agreed to these terms.