Refund Policy
Effective Date: October 2, 2026
This Refund Policy applies to purchases from Merchants of Wisdom, including Practical Solution Workbooks, masterclasses, bundles, and memberships. Our products are digital and are delivered right away, so please read this before you buy.
All sales are final
Because our products are digital and can be accessed or downloaded immediately, all sales are final once the product has been delivered. We will gladly issue a refund or fix the problem if:
- You were charged twice for the same product
- You cannot access your purchase because of a technical problem we cannot fix within 7 days
- You did not receive the product you paid for
Memberships and subscriptions
- You can cancel anytime to stop future charges. You keep access until the end of the period you already paid for.
- We do not give partial refunds for unused time in a billing period.
- Membership charges, including renewals, are not refunded. Please cancel before your renewal date to avoid the next charge.
Discounts and promotions
Refunds are for the amount you actually paid. A later sale, discount, or coupon does not entitle you to a partial refund of an earlier purchase.
How to report a billing problem
Email contact@email.merchantsofwisdom.com with your name, the email used for the purchase, the product name, and your order date. Approved refunds go back to your original payment method, usually within 5 to 10 business days, depending on your bank, SaligPay, or PayPal. After a refund, your access to the product ends.
Your legal rights
This policy does not limit any consumer rights you have under the laws where you live.