At Business Wealth Advisory, Inc., Tina-Sue, and Women Choosing Growth ("Company," "we," "our," or "us"), we are committed to providing an exceptional educational and advisory experience. Because many of our offerings involve reserved advisory time, live events, digital access, proprietary intellectual property, and customized preparation, this policy establishes the payment, cancellation, and refund terms applicable to our services.

1. General Policy

All purchases are made in exchange for access to intellectual property, educational curriculum, professional expertise, advisory services, or reserved time. Refunds are limited to rare, verifiable circumstances.

By enrolling in or purchasing any course, program, advisory service, event, workshop, speaking engagement, sponsorship, or other offering, you acknowledge and agree to this policy in full.

We do not issue refunds for lack of participation, change of mind, scheduling conflicts, loss of interest, or failure to implement the material or recommendations provided. Success depends on your consistent engagement, implementation, and application of the information provided.

2. Digital Products, Courses, and Educational Programs

This section applies to all self-paced courses, hybrid programs, group programs, memberships, digital lessons, templates, live sessions, community access, and related educational materials.

Refund Eligibility

Decision Period

Refund requests must be submitted within ten (10) days of enrollment or first access to the program, whichever occurs first.

Meaningful Participation

To be considered for a refund, you must demonstrate meaningful participation in the program and a genuine effort to implement the material. Documentation may include completed worksheets, screenshots of module progress, completed assignments, or other evidence reasonably requested by the Company.

Valid Reasons

Refund requests may be considered only when:

• You have meaningfully participated in the program and demonstrate that it was not an appropriate fit for your business objectives; or
• You experience a documented, extraordinary circumstance beyond your control that prevents continued participation.

Non-Refundable Circumstances

Refunds will not be granted for:

• Lack of participation
• Loss of interest
• Scheduling conflicts
• Failure to implement strategies
• Requests submitted after the ten (10) day decision period

Upon approval of any refund, all program access, digital materials, and community privileges will be revoked immediately.

Payment Plans

If you enroll under a payment plan, the ten (10) day decision period applies only once at the beginning of your enrollment. If you discontinue participation after that period, future scheduled payments will be governed by the payment terms applicable to your purchase or signed agreement.

3. Advisory Services

This section applies to strategy sessions, advisory packages, monthly advisory, intensives, consulting engagements, and ongoing private advisory services.

Because these services require reserved advisory time, strategic preparation, scheduling, and limited availability, payments are non-refundable once an advisory engagement has been scheduled or preparation has begun, unless otherwise stated in a signed agreement.

Advisory packages are sold as a single engagement and may not be prorated based on sessions used or unused.

Clients may reschedule individual sessions with at least forty-eight (48) hours' notice, subject to availability. Sessions cancelled or rescheduled with less than forty-eight (48) hours' notice, or missed without notice, are forfeited.

If a Client chooses not to continue an advisory engagement after it has begun, unused sessions, advisory time, or package balances are not eligible for a cash refund.

At the Company's sole discretion, unused advisory value may be converted to a non-refundable account credit that may be applied toward future Business Wealth Advisory services, programs, or advisory engagements, or transferred as a gift to another individual approved by the Company. Account credits have no cash value and expire twelve (12) months from the original purchase date unless otherwise approved in writing.

The Company reserves the right to suspend or terminate advisory services for non-payment, breach of these Terms, or inappropriate conduct.

4. Events, Workshops, Speaking Engagements, and Sponsorships

Payments for live events, workshops, speaking engagements, sponsorships, or similar offerings are subject to the cancellation terms communicated at the time of purchase or contained in any signed agreement.

Unless otherwise stated in writing, payments for these offerings are non-refundable after commitments have been made, materials prepared, or event participation confirmed.

5. Payment Terms

All fees are due as stated at checkout, on your invoice, or in your signed agreement.

You authorize the Company to process recurring payments using your selected payment method for the duration of your payment plan or engagement.

If a payment fails, access to services or materials may be suspended immediately until payment is resolved.

You remain responsible for any outstanding balance owed, even if access is suspended.

All prices are listed in U.S. dollars unless otherwise stated.

6. Chargebacks and Payment Disputes

Initiating a chargeback or payment dispute outside this policy constitutes a violation of these Terms.

In such cases, the Company reserves the right to:

• Suspend or revoke access to all services, programs, and materials;
• Recover the full amount due, including transaction fees, administrative costs, attorney's fees, and other legal expenses where permitted by law; and
• Report fraudulent disputes to the applicable payment processors or authorities.

7. Exceptional Circumstances

Extraordinary accommodations outside this policy are granted solely at the Company's discretion and may require supporting documentation. Approval of one accommodation does not establish precedent for future requests.

8. Refund Request Process

To request a refund:

• Submit a written request to [email protected] within the applicable decision period.
• Include documentation supporting your request and any requested evidence of participation.
• The Company will review your submission and respond within ten (10) business days.
• If approved, any refund will be processed to the original payment method.

All refund determinations are made at the sole discretion of the Company and are final.

9. Access Revocation Upon Refund

Upon approval of any refund, all access to digital materials, programs, advisory services, communities, recordings, templates, and other Company resources will terminate immediately.

Continued use, copying, sharing, reproduction, or distribution of Company materials after a refund has been processed is strictly prohibited and may result in legal action, including recovery of damages as permitted under the Terms of Service.

10. Company Rescheduling

The Company reserves the right to reschedule advisory sessions, workshops, speaking engagements, events, or other services due to illness, emergencies, travel disruptions, technical issues, or other reasonable circumstances. Such rescheduling does not constitute grounds for cancellation or refund.

9. Contact

Business Wealth Advisory, Inc.
[email protected]