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Refund & Cancellation Policy

 

Healthy Wealthy and Smart 

Version: 2.0
Effective date: 8th Nov, 2026.

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1. Payments

Programme fees and payment arrangements will be clearly communicated before enrolment. Payments must be made according to the agreed schedule.

 

2. Cancellation Before Programme Commencement

If you cancel before your programme begins:

  • 7 days or more before commencement: Full refund.

  • Less than 7 days before commencement: Refund less any reasonable, clearly disclosed costs already incurred for services provided or preparation specifically undertaken for you.

 

3. Cancellation After Programme Commencement

If you decide to discontinue a programme after it has started, please contact us.

We will review your request fairly, considering the services already delivered, any reasonable costs incurred and the circumstances of cancellation. Any refund will be determined in accordance with the agreed programme terms and applicable Australian Consumer Law.

 

4. Rescheduling Individual Sessions

We understand that unexpected circumstances arise.

  • Please provide at least 24 hours' notice when requesting to reschedule an individual session.

  • We will make reasonable efforts to offer an alternative appointment.

  • Requests made with less than 24 hours' notice will be considered individually, and a missed session may be treated as used where this is fair, lawful and consistent with the agreed booking terms.

For group programmes, alternative sessions may not always be available.

 

5. Cancellation or Changes by Us

If Healthy Wealthy and Smart cancels a session, we will offer a suitable alternative or an appropriate refund where applicable. If we cannot deliver a programme as agreed, we will discuss suitable arrangements, including refunds or other remedies required by law.

 

6. Australian Consumer Law

Nothing in this policy excludes, restricts or modifies any rights or remedies available under Australian Consumer Law. Clients may be entitled to a refund or other remedy where services do not meet applicable consumer guarantees.

 

7. Refund Requests

Please contact us to discuss cancellations, rescheduling or refunds.

Email: healthywealthyandsmart@gmail.com

We aim to acknowledge refund requests within three business days and resolve them as promptly as reasonably possible.

 

Healthy Wealthy and Smart 

Supporting your journey towards a healthier, happier and more fulfilling life.

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