**Effective Date:**
[Aug 2, 2026]
### 1. Scope
This Refund & Returns Policy (“Policy”) applies only to **paid products or services** purchased directly from **directiny.com** (the “Site”). It does **not** affect the free Senior‑Living Guide PDF, which is provided at no charge and is not refundable.
### 2. General Refund Rules
| Product / Service | Refund Eligibility | Refund Method |
|——————-|——————-|—————-|
| **Digital Downloads** (e‑books, PDFs, video courses, software) | **No refunds** after the download link is delivered, unless the file is defective or not delivered. | Refund (if eligible) will be issued to the original payment method within 10 business days. |
| **Live or Recorded Consultations / Coaching Sessions** | Refunds are available **up to 48 hours** before the scheduled session. After the session starts, no refund will be granted. | Refund will be processed to the original payment method within 10 business days. |
| **Memberships / Subscriptions** | Cancel any time; you will retain access for the remainder of the current billing period. No prorated refunds for the unused portion. | Future recurring charges will be stopped; no refund for the current period. |
| **Physical Products** (if ever added) | Return within **30 days** of receipt, unopened and in original condition. | Refund (minus shipping cost) will be issued after we receive the returned item. |
### 3. How to Request a Refund
1. **Contact us** at **support@directiny.com** within the timeframe that applies to your purchase.
2. Include:
* Order number (found in the purchase confirmation email)
* Name and email address used for the purchase
* Reason for the refund request
3. We will acknowledge your request within **2 business days** and let you know the next steps.
### 4. Non‑Refundable Items
– Any free resources (e.g., the Senior‑Living Guide PDF).
– Gift cards or promotional credits.
– Custom work that has already been started or delivered (e.g., bespoke marketing reports).
### 5. Exceptions & Discretion
If a product is proven to be defective, not delivered, or materially different from its description, we may issue a refund or a replacement at our sole discretion, even if the standard rules above would otherwise deny it.
### 6. Chargebacks
If you initiate a chargeback with your bank or credit‑card issuer without first contacting us, we reserve the right to:
* Cancel any active subscription linked to that transaction, and
* Pursue any legal remedies available to recover the amount owed.
### 7. Changes to This Policy
We may update this Policy from time to time. The **Effective Date** at the top will reflect the latest revision. Continued use of the Site after changes constitutes acceptance of the revised policy.