Refund & Cancellation Policy

1. Digital goods — no refunds

The All Access Pass is a digital subscription that unlocks discounts, coupons, and partner offers immediately upon successful payment. Because access is delivered instantly and cannot be returned or "un-viewed", all sales are final and no refunds are issued once payment is confirmed. This applies whether or not you actually redeem any deal during your subscription period.

By completing checkout, you expressly consent to immediate provision of the digital content and acknowledge that you lose any statutory cancellation right that would otherwise apply to distance-sold digital content in your jurisdiction.

2. Cancellation

The All Access Pass is a one-time annual purchase and does not auto-renew unless we explicitly say otherwise at checkout. You can stop using the Platform or delete your account at any time; doing so does not entitle you to a refund of the current term.

3. Exceptions — when we will refund

We will make you whole in these limited situations:

• Duplicate charge. If our systems charged you twice for the same Pass, we refund the extra charge.
• Failed delivery. If a payment succeeded but the Pass was never activated on your account and we cannot fix it within a reasonable time.
• Unauthorised transaction. If you can show the payment was made without your authorisation, subject to verification with Razorpay and your bank.
• Required by law. Where a refund is required by applicable consumer law that overrides Section 1.

4. How to request a review

Email yo@mindismoney.com within 7 days of the charge with:

• the email address on your MindisMoney account,
• the Razorpay order or payment ID from your receipt, and
• a short description of what went wrong.

We acknowledge every request within 3 business days and aim to resolve it within 7 business days.

5. How approved refunds are paid

Approved refunds are issued to the original payment method through Razorpay. Depending on your bank, credits typically appear within 5–10 business days after we process the refund. We do not refund to any alternative account or instrument.

6. Chargebacks

If you dispute a charge with your bank without contacting us first, we may suspend your account while the dispute is being investigated. Please email us before raising a chargeback — most issues can be resolved directly and faster.

7. Third-party tools

The Pass gives you discounted access to third-party software and services. Any refund, cancellation, or renewal of a third-party tool is governed by that vendor's own terms and must be requested from the vendor directly. MindisMoney cannot refund third-party subscriptions.

8. Changes

We may update this Policy from time to time. The version in force at the time of your purchase applies to that purchase.

9. Contact

Questions about this Policy: yo@mindismoney.com.