Student Money Mentors Refund & Cancellation Policy

Student Money Mentors may offer paid educational services, subscriptions, premium features, courses, tools, or other products.

The price, billing frequency, trial period, renewal terms, and other material purchase terms will be presented before the user completes the applicable purchase.

Unless otherwise stated at the time of purchase, a recurring subscription may automatically renew for the same billing period until canceled.

Users are responsible for reviewing the purchase terms before completing a transaction.

Users may cancel a recurring Student Money Mentors subscription through the cancellation method provided by Student Money Mentors or, where applicable, through the app store or payment provider used to purchase the subscription.

Cancellation stops future renewal charges but generally does not automatically create a refund for a payment that has already been processed.

Student Money Mentors intends its cancellation process to be reasonably straightforward and accessible.

Recurring-payment terms, including price, frequency, renewal conditions, and cancellation method, should be disclosed before enrollment. Federal consumer-protection guidance emphasizes clear disclosure of recurring-payment terms and a simple cancellation mechanism.

If you cancel before the next scheduled renewal, the cancellation will generally prevent the next recurring charge.

Your access to paid educational features may continue through the remainder of the already-paid billing period, unless the applicable purchase terms state otherwise.

Canceling after a renewal has already been processed does not automatically entitle you to a refund.

Unless otherwise required by applicable law or expressly stated at the time of purchase, Student Money Mentors generally does not provide automatic refunds for unused portions of a billing period.

However, Student Money Mentors may provide a refund, credit, or other adjustment when appropriate.

Examples may include:

• Duplicate charges.
• Billing errors.
• Technical failures preventing access to a purchased service.
• Unauthorized transactions.
• A material failure to provide the purchased service.
• A purchase that Student Money Mentors determines should reasonably be refunded.
• Circumstances where a refund is required by applicable law.

Certain Student Money Mentors purchases may provide immediate access to digital educational materials, tools, or services.

Because digital content or services may be accessed immediately after purchase, refund eligibility may depend on:

• Whether the content or service has been accessed.
• Whether the purchase was completed accidentally.
• Whether the product was materially unavailable or defective.
• The specific terms presented at purchase.
• Applicable law.

Where a particular product has its own refund terms, those terms will control to the extent permitted by law.

If you believe you accidentally purchased a Student Money Mentors product or subscription, contact Student Money Mentors as soon as reasonably possible.

Student Money Mentors may consider:

• How quickly the issue was reported.
• Whether the product or service was accessed.
• Whether the transaction was duplicated.
• Whether the purchase appears unauthorized.
• Applicable purchase terms.
• Applicable law.

An accidental purchase is not automatically guaranteed to receive a refund.

If you believe a Student Money Mentors charge was made without your authorization, contact Student Money Mentors promptly.

You should also secure your account and payment method where appropriate.

Student Money Mentors may investigate potentially unauthorized transactions and may request information reasonably necessary to determine what occurred.

Do not provide passwords, authentication codes, full payment-card numbers, or other unnecessary credentials.

If you purchased Student Money Mentors through an app store or another third-party payment platform, that provider may control the transaction, billing relationship, cancellation mechanism, or refund process.

You may need to request cancellation or a refund directly through the provider that processed the purchase.

Student Money Mentors cannot guarantee that a third-party provider will approve a refund.

If Student Money Mentors offers a free or discounted trial, the applicable offer will identify material terms such as:

• Trial duration.
• Price after the trial.
• Renewal frequency.
• When billing begins.
• How to cancel.

Users should cancel before the applicable trial ends if they do not wish to continue.

Automatic conversion from a free or discounted trial to a paid subscription should be clearly disclosed before enrollment.

Student Money Mentors may offer:

• Introductory pricing.
• Student discounts.
• Promotional rates.
• Limited-time offers.
• Other special pricing.

Unless otherwise stated, a promotional price may apply only for the period specified in the offer.

After the promotional period ends, the subscription may renew at the then-applicable regular price if the user does not cancel.

The applicable renewal terms should be disclosed before purchase.

Student Money Mentors provides educational information and tools relating to money and personal finance.

Refund eligibility does not depend on whether a user agrees with a particular educational recommendation, calculation, projection, or financial explanation.

Student Money Mentors does not guarantee:

• Investment returns.
• Savings results.
• Debt-reduction results.
• Credit-score improvements.
• Financial outcomes.
• Employment outcomes.
• Any particular financial result.

Users should independently verify important financial information and consult a qualified professional when appropriate.

Student Money Mentors may change, discontinue, or modify paid products and features.

Where appropriate, Student Money Mentors may provide notice of material changes.

If Student Money Mentors permanently discontinues a paid service before the end of a period for which a user has already paid, it may provide an appropriate refund, credit, replacement service, or other remedy depending on the circumstances and applicable law.

If Student Money Mentors suspends or terminates an account because the user violated its Terms of Service, Safety & Reporting Policy, or applicable law, the user is not automatically entitled to a refund.

Student Money Mentors may consider refunds or credits separately when appropriate.

Nothing in this section limits rights that cannot lawfully be waived.

Refund requests should be submitted through the designated Student Money Mentors billing or support channel.

A request should include, when available:

• Account email or account identifier.
• Transaction date.
• Amount charged.
• Transaction or receipt information.
• Product or subscription purchased.
• Reason for the request.
• Payment platform used.

Do not include passwords, authentication codes, full payment-card numbers, bank-account credentials, or other unnecessary sensitive information.

Student Money Mentors may review the relevant transaction and reasonably necessary account, billing, or service information when evaluating a refund request.

Depending on the circumstances, Student Money Mentors may:

• Approve the refund.
• Approve a partial refund.
• Issue account credit.
• Deny the request.
• Request additional information.
• Refer the user to the applicable app store or payment provider.

When Student Money Mentors approves a refund, the time required for funds to appear may depend on the payment provider, financial institution, app store, or payment method.

Student Money Mentors cannot guarantee the processing time of a third-party payment provider.

If you believe a charge is unauthorized or otherwise improper, please contact Student Money Mentors so that we can investigate.

Nothing in this Policy prevents you from exercising rights available through your bank, card issuer, payment provider, or applicable law.

Users must not knowingly submit fraudulent chargebacks or misrepresent transactions.

A refund request does not guarantee that a refund will be issued.

Refund decisions may depend on:

• Applicable law.
• Purchase terms.
• Transaction history.
• Whether the product or service was accessed.
• Whether the charge was duplicated or unauthorized.
• Technical circumstances.
• The payment provider involved.

This Policy does not limit any refund, cancellation, chargeback, or other consumer rights that cannot lawfully be waived.

Where applicable law provides a greater right than this Policy, applicable law controls.

Student Money Mentors may update this Policy as:

• Paid products change.
• Billing systems change.
• Payment providers change.
• Applicable law changes.
• Subscription practices develop.

The current version will be made available through Student Money Mentors.