Refund and Returns Policy

This Refund and Returns Policy applies to The Savvy Investor Limited (Company No. 14816921), operating as Savvy Investor Guide. By purchasing any products or services from us, you agree to this policy.

1. Overview of Our Services

Savvy Investor Guide primarily provides:

• Free Educational Content: Articles, guides, and calculators available at no cost
• Digital Products: Ebooks, guides, or courses (when available for purchase)
• Affiliate Recommendations: Links to third-party platforms where you may make purchases

2. Digital Products Refund Policy

2.1 Digital Ebooks and Guides

For any digital ebooks or downloadable guides purchased directly from Savvy Investor Guide:

• Refund Window: 14 days from date of purchase
• Condition: Refunds available if you experience technical issues preventing access to the content
• Process: Contact info@savvyinvestorguide.com with your order details
• Timeline: Refunds processed within 14 business days to your original payment method

2.2 What We Cannot Refund

We cannot offer refunds for:

• Free Content: All freely available articles, calculators, and guides
• Third-Party Purchases: Products or services purchased through affiliate links on our site
• Investment Outcomes: Any financial outcomes resulting from implementing strategies described in our content
• Fully Accessed Digital Products: Digital products that have been downloaded, accessed, or consumed
• Services After Delivery: Consulting or advisory services after they have been provided (if applicable)

3. Third-Party Purchases and Affiliate Links

Savvy Investor Guide contains affiliate links to investment platforms, financial services, and products. When you make purchases through these links:

• Separate Policies Apply: Each third-party provider has their own refund and cancellation policies
• Not Our Responsibility: We are not responsible for refunds, returns, or disputes with third-party providers
• Contact the Provider: All refund requests must be made directly to the third-party provider
• Commission Disclosure: We may earn a commission on purchases, but this does not affect your rights with the provider

4. UK Consumer Rights

As a UK-registered company, we comply with UK consumer protection laws, including the Consumer Rights Act 2015 and the Consumer Contracts Regulations 2013.

4.1 Your Statutory Rights

You have the right to cancel purchases of digital content within 14 days of purchase, unless:

• You have given express consent to begin immediate download or streaming
• You have acknowledged that you lose your cancellation right once access begins

For digital products, we require express consent and acknowledgement before providing access, which means you waive your cancellation right upon accessing the content.

4.2 Faulty Digital Content

If digital content is faulty, not as described, or doesn’t match our product description, you are entitled to:

• A repair or replacement of the content
• A price reduction if repair or replacement is not possible
• A full or partial refund in appropriate circumstances

5. How to Request a Refund

To request a refund for eligible purchases:

1. Contact Us: Email info@savvyinvestorguide.com with “Refund Request” in the subject line
2. Provide Details: Include your order number, purchase date, product name, and reason for refund
3. Technical Issues: If requesting a refund due to technical problems, describe the issue and any troubleshooting steps you’ve attempted
4. Allow Processing Time: We will review your request within 3-5 business days and respond via email

6. Processing Refunds

6.1 Approved Refunds

When a refund is approved:

• Timeline: Refunds processed within 14 business days of approval
• Payment Method: Refunded to your original payment method
• Confirmation: You will receive email confirmation once the refund is processed
• Bank Processing: Allow additional time for your bank or payment provider to process the refund

6.2 Partial Refunds

In certain circumstances, we may offer partial refunds:

• When content was partially accessed before technical issues occurred
• When content quality issues affect only portions of the product
• At our discretion for exceptional circumstances

7. Exceptions and Limitations

7.1 No Refunds For

• Investment Performance: Financial outcomes, investment gains or losses, or trading results
• Changed Circumstances: Changes in your financial situation or investment goals after purchase
• Educational Expectations: Content not meeting personal expectations when content matched product description
• Market Changes: Changes in financial markets, tax laws, or regulations after content creation
• Duplicate Purchases: Purchasing the same product multiple times
• Downloaded Content: Content that has been fully downloaded or saved after access

7.2 Fraudulent Refund Requests

We reserve the right to deny refund requests that appear fraudulent or abusive, including:

• Repeated refund requests for similar products
• Requests made after consuming substantial amounts of content
• Chargeback attempts without first contacting us
• Violation of our Terms and Conditions

8. Chargebacks and Payment Disputes

If you dispute a charge with your payment provider without first contacting us:

• Your account access may be suspended pending resolution
• We will provide evidence of your purchase and access to your payment provider
• Unjustified chargebacks may result in account termination
• You may be responsible for chargeback processing fees

We strongly encourage you to contact us directly before initiating a chargeback, as most issues can be resolved quickly and amicably.

9. Changes to This Policy

We may update this Refund and Returns Policy from time to time to reflect:

• Changes in our products or services
• Changes in consumer protection laws
• Improvements to our refund processes
• Feedback from customers

The “Last Updated” date at the top of this page indicates when changes were made. Significant changes will be prominently announced on our website.

10. Disputes and Complaints

10.1 Internal Resolution

If you’re dissatisfied with our response to a refund request:

1. Contact our management team at info@savvyinvestorguide.com
2. Clearly state your complaint and desired resolution
3. We will review and respond within 10 business days

10.2 External Resolution

If we cannot resolve your complaint internally, you have the right to:

• Alternative Dispute Resolution: Use an approved ADR provider
• Small Claims Court: Pursue claims through UK courts if appropriate
• Consumer Protection: Contact Trading Standards or Citizens Advice

11. Important Disclaimers

12. Contact Information

For questions about this Refund and Returns Policy or to request a refund:

This Refund and Returns Policy is part of our legal framework, which also includes our Terms and Conditions, Privacy Policy, Cookie Policy, and Affiliate Disclosure. Please review all policies to understand your rights and our obligations.