This No Refund Policy applies to applicable products and services purchased directly through IAmToiaWallace.com from Toia Wallace.
By completing a purchase, you acknowledge and agree to this policy and any additional refund terms clearly presented before purchase.
1. General Policy
Unless expressly stated otherwise in writing before purchase, all sales made directly through IAmToiaWallace.com are final and non-refundable, subject to applicable law.
Please carefully review the description, scope, requirements, pricing, and applicable policies before completing your purchase.
2. Strategy, Consulting, and Appointment-Based Services
Payments for Strategy Intensives, consulting sessions, private sessions, workshops, and other appointment-based services are non-refundable once purchased, except where otherwise required by applicable law or expressly agreed to in writing.
Time reserved for private services limits availability for other clients.
Choosing not to attend, changing your mind, failing to prepare, or deciding not to use a purchased service does not automatically create a right to a refund.
Eligible appointment-based services may be rescheduled in accordance with our separate Rescheduling & Cancellation Policy.
3. Digital Products
Due to the nature of digital products and the ability to access, download, view, or otherwise receive digital content after purchase, digital-product sales are final and non-refundable once access or delivery has been provided, except where otherwise required by applicable law.
Digital products may include:
- Downloads
- Guides
- Templates
- Workbooks
- Digital resources
- Recorded trainings
- Courses
- Educational materials
- Other electronically delivered products
If you experience a technical problem accessing a purchased digital product, please contact us so we can make reasonable efforts to restore access or correct the delivery issue.
4. Books and Third-Party Purchases
Books, physical products, or other items purchased through third-party retailers or separate businesses are governed by the refund and return policies of the seller that processed the transaction.
For example, a purchase completed through an external retailer is subject to that retailer's applicable policies.
5. Speaking Engagements
Speaking engagements may have customized payment, deposit, cancellation, travel, and refund terms contained in a separate written speaking agreement.
The executed speaking agreement will control the refund terms for that particular engagement where it differs from this general policy.
6. Applications and Approval-Based Services
Submitting an application or inquiry does not constitute a purchase.
For approval-based services, payment will generally be requested only after the applicant has been accepted unless otherwise disclosed.
Once an accepted applicant completes a purchase, the applicable refund policy takes effect.
7. Missed Appointments and No-Shows
Failure to attend a scheduled appointment does not entitle the purchaser to a refund.
Missed appointments and no-shows are handled in accordance with the applicable Rescheduling & Cancellation Policy.
8. Failure to Schedule or Use a Purchased Service
Purchasing a service and later failing to schedule, complete, access, or use that service within an applicable usage period does not automatically create a right to a refund.
Any applicable expiration or scheduling period will be disclosed through the offer or Rescheduling & Cancellation Policy.
9. Duplicate or Incorrect Charges
If you believe you were charged more than once for the same transaction or that a payment was processed incorrectly, contact us promptly.
Verified billing errors will be reviewed and corrected as appropriate.
This section does not limit rights you may have under applicable law.
10. Service Provider Cancellation
If Toia Wallace is unable to provide a purchased service and a reasonable alternative or rescheduled service cannot be provided, an appropriate remedy may be offered, which may include a refund where appropriate or required by law.
Our no-refund policy is not intended to allow us to retain payment for a service we are unable or unwilling to provide where doing so would violate applicable law.
11. Dissatisfaction or Business Results
Dissatisfaction with a recommendation, strategy, opinion, educational material, or business outcome does not by itself qualify a purchase for a refund.
Business strategy and educational services do not guarantee specific outcomes.
Clients remain responsible for implementation and business decisions.
12. Chargebacks and Payment Disputes
If you believe there is a legitimate billing issue, we encourage you to contact us first so the matter can be reviewed.
Nothing in this policy prevents a consumer from exercising lawful rights with their payment provider or under applicable consumer-protection law.
We reserve the right to provide applicable transaction records, acceptance records, delivery records, scheduling records, communications, and other relevant documentation when responding to a payment dispute.
13. Exceptions
Exceptions may be made at the discretion of Toia Wallace when appropriate.
Granting an exception in one situation does not modify this policy or require an exception in another situation.
Nothing in this policy limits rights that cannot legally be waived.
14. Agreement
By completing a purchase governed by this policy, you acknowledge that you had an opportunity to review this No Refund Policy before purchasing.
Where checkout requires an acknowledgment, your acceptance may be electronically recorded with the transaction.
15. Contact
Questions about this policy or a transaction may be submitted through the contact information or contact form provided on IAmToiaWallace.com.
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