REFUND & CANCELLATION POLICY

1. OVERVIEW

At Iwo Szapar, we are committed to providing exceptional AI Second Brain consulting services. This Refund & Cancellation Policy outlines the terms and conditions under which refunds may be issued and how cancellations are handled.

We understand that circumstances change, and we strive to be fair and transparent in our refund and cancellation procedures.

2. SERVICE TYPES AND PAYMENT STRUCTURE

Our services typically follow this payment structure:

• Initial Consultation: One-time fee, typically non-refundable after service is provided
• Project-Based Consulting: Usually split payment (50% upfront deposit, 50% upon completion)
• Retainer Agreements: Monthly or quarterly billing in advance
• Training Programs: Upfront payment or installment plans as specified in agreement

Specific payment terms are outlined in the Statement of Work (SOW) or Service Agreement provided before engagement.

3. CANCELLATION POLICY

3.1 Before Service Commencement

3.2 After Service Commencement

Once services have begun, cancellations are handled as follows:

• You will be charged for all work completed up to the cancellation date
• Any remaining balance from the upfront deposit will be refunded within 14 business days
• Work-in-progress will be delivered in its current state
• Any third-party costs incurred on your behalf are non-refundable

3.3 Retainer Services

• 30-day notice required for cancellation
• Current month's retainer is non-refundable
• Unused hours do not roll over and are forfeited upon cancellation
• Final invoice will be issued for any services rendered beyond the retainer hours

4. REFUND POLICY

4.1 Refund Eligibility

You may be eligible for a refund in the following circumstances:

• Service Not Provided: If we fail to provide the agreed-upon service
• Duplicate Payment: If you were charged multiple times for the same service
• Material Breach: If we materially breach the terms of our Service Agreement
• Service Quality Issues: If deliverables do not meet the specifications outlined in the SOW (must be raised within 7 days of delivery)

4.2 Non-Refundable Items

4.3 Partial Refunds

In cases where services are partially completed, refunds will be calculated as follows:

• Total project fee minus actual hours worked (billed at hourly rate)
• Any deliverables completed remain our intellectual property until full payment
• Administrative fees and third-party costs are deducted from refund amount

5. HOW TO REQUEST A REFUND OR CANCELLATION

To request a refund or cancel services, please follow these steps:

1. Email Us: Send a detailed email to iwo.szapar@gmail.com with:
   • Subject line: "Refund Request" or "Service Cancellation"
   • Your full name and company name
   • Service agreement or invoice number
   • Detailed reason for refund/cancellation
   • Supporting documentation (if applicable)
2. Review Period: We will review your request within 3 business days
3. Decision: You will receive a written response with our decision and next steps
4. Processing: Approved refunds are processed within 14 business days

6. REFUND PROCESSING

• Method: Refunds are issued to the original payment method used (typically via Stripe)
• Timeline: Processing takes 5-14 business days depending on your bank/card issuer
• Currency: Refunds are issued in the original currency (EUR or USD)
• Notification: You will receive email confirmation once the refund is processed
• Bank Processing: Additional 3-10 business days for funds to appear in your account (bank-dependent)

7. DISPUTES AND CHARGEBACKS

We encourage you to contact us directly before initiating a chargeback:

• Most billing issues can be resolved through direct communication
• Chargebacks can result in additional fees and legal action
• Unauthorized chargebacks may result in service termination
• We will provide all necessary documentation to dispute fraudulent chargebacks

8. FORCE MAJEURE

If either party is unable to perform their obligations due to events beyond reasonable control (natural disasters, wars, pandemics, etc.):

• Services may be postponed or rescheduled without penalty
• Refunds will be provided for services that cannot be rescheduled
• Reasonable efforts will be made to accommodate both parties

9. AMENDMENTS TO THIS POLICY

We reserve the right to modify this Refund & Cancellation Policy at any time. Changes will be effective immediately upon posting to our website with an updated "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the modified policy.

10. CONTACT INFORMATION

For refund requests, cancellations, or questions about this policy: