No-Refunds and Dispute Policy
Last updated: October 25, 2026
Summary
ALL SALES ARE FINAL. We do not offer refunds, returns or exchanges on digital products, courses, memberships, community access, coaching or services. Questions or problems? Email [email protected] first. We answer within 2 business days and will work with you to fix any access or delivery issue.
Why all sales are final
Our products are digital and are delivered instantly, usually within seconds of payment, by download link, email or login. Once delivered they cannot be "returned." Services begin when we start work or give you access. For these reasons every purchase is final and non-refundable, and there are no returns or exchanges.
You agree before you buy
At checkout you must tick a required box that says you have read and agree to our Terms of Use and this No-Refunds Policy, and that you understand all sales are final. Checkout cannot be completed without it. Ticking the box and completing payment is your electronic signature under the U.S. E-SIGN Act. We record the date, time, IP address, browser/device details and the policy version you agreed to.
Delivery and proof of access
After purchase you get a receipt email and access by download link, account login or community invite. Delivery is complete when that access is sent. To confirm delivery and prevent fraud, we and our payment and platform providers log account and purchase information such as name, email, billing details, IP address, device and browser data, timestamps, logins, page and lesson views, downloads, community activity and support messages. We keep these records as proof of delivery and use.
Contact support first
If you have any problem, including not receiving access, a charge you do not recognize or a technical issue, you agree to email [email protected] and give us at least 5 business days to resolve it before contacting your bank or card issuer. Most issues are fixed with a new link or a password reset.
Chargebacks and disputes
Filing a chargeback or payment dispute without first contacting support as described above is a breach of these terms. If you file one: (1) your access to all products, courses, community and services is suspended or revoked right away; (2) we will submit our evidence to your card issuer, including your checkout agreement and timestamp, IP and device data, receipt and delivery records, login and download logs, prior undisputed purchases and our communications with you; and (3) we may refuse future purchases. If a dispute is decided in our favor, the charge stands. Filing a knowingly false dispute for a product you received and used may be reported as fraud.
Billing descriptor
Charges appear on your statement as "NIGEL PEACE," "PEACE ENTERPRISES" or, for purchases made through Gumroad, a descriptor that includes Gumroad. If you don't recognize a charge, email us before contacting your bank; it is usually a product you bought.
Subscriptions and memberships
Subscriptions renew automatically at the price and interval shown at checkout until you cancel. You can cancel anytime from your account or receipt email, or by emailing us, and cancellation takes effect at the end of the current billing period. You keep access until then. We do not give refunds or credits for partial periods, unused time or unused access. Renewal charges you did not cancel before the renewal date are final.
Payment plans
If you choose a payment plan, you agree to pay every installment. Cancelling or disputing an installment does not cancel the remaining balance. Access may be paused until payments are current.
No results or income guarantee
Our products are educational. We make no guarantee of income, earnings, clients, credit score changes, funding approval, deals or any other result. Examples and personal stories are not typical. Not getting the results you hoped for, not using the product, changing your mind or buying by mistake are not grounds for a refund or dispute.
Fraud and abuse
We may cancel orders, revoke access and refuse service for suspected fraud, stolen payment methods, account sharing, reselling or redistributing content, or abuse of this policy. Where the law allows, you agree to pay reasonable costs we incur to recover amounts owed because of a wrongful chargeback or non-payment, including dispute fees, collection agency fees and reasonable attorney's fees.
Exceptions required by law
Nothing in this policy limits rights you have under laws that cannot be waived. Where the law requires it, or for a clear billing error such as a duplicate charge for the same product, we may issue a refund or credit at our sole discretion. Some checkout platforms, such as Gumroad, may issue refunds under their own rules; those do not change this policy for any other purchase.
Governing law
This policy is part of our Terms of Use and is governed by the laws of the State of Wyoming, USA, with venue in the state or federal courts located in Wyoming, unless the law requires otherwise.
Changes
We may update this policy. The version shown at checkout when you bought applies to your purchase. The date at the top shows the latest version.