Refund Policy
Handy Investor Pty Ltd As a Spending Planner and a member of the Spending Planner’s Institute it is my aim to please, but I realise that no matter how hard I try and no matter how good I believe my product might be there is always the possibility that someone will not be happy with their experience.
Software.
The software we use is provided via a small monthly access fee. Access to the software and the monthly payment can be cancelled at any time but a refund is not possible.
Consultation & Spending Plan set up
There is no refund on the initial consultation or spending plan set up fee.
Monitoring Program
There is no refund on the monthly monitoring program offered but the monthly payments can be cancelled and the service discontinued at any time after 6 months. With 30 days Written notice, see “How to Contact us” Below.
Payment Methods
Handy Investor Pty Ltd accepts payments via credit/debit card and VISA credit/debit cards and EFT.
Subscription Billing
Invoices are generated and payments are collected in the middle of each billing period. Customer billing periods typically begin on the 15th day of the month or when the customer purchased the Handy Investor Pty Ltd Spending Plan subscription. Customers must request to cancel their subscriptions at least 10 days prior to their next billing date in order to avoid being charged on the billing date. In the event of cancellation, customers will still have access to their applications through the end of their final billing period. Handy Investor Pty Ltd will not prorate any portion of unused subscription services. All subscription fees are nonrefundable.
CANCELLATION PROCESS
Creating a Cancellation request: A request to cancel a Handy Investor Pty Ltd application must be initiated at least 10 days prior to the next invoice date. Any request to cancel a Handy Investor Pty Ltd application must be made in writing with a Handy Investor Pty Ltd representative at least 10 days prior to the next invoice date. Customers are encouraged to keep records of all communications regarding cancellation.
Simply cancelling the credit/debit card associated with a Handy Investor Pty Ltd account does not cancel the account. Handy Investor Pty Ltd will continue to treat this as an open account and the billing cycle will continue, resulting in a past due account that may be turned over to a third party collection service. It is imperative that you speak with a Handy Investor Pty Ltd representative or submit an email with receipt confirmation if you wish to initiate cancelation of your Handy Investor Pty Ltd Spending Planner account.
Finalizing the Cancellation: After a request to cancel has been initiated, you must speak with a member of the cancellation team to finalize the cancellation. Cancellations will take effect on the last day of the billing period in which the cancellation was processed by the cancellation team, subject to the terms of the “Subscription Billing” paragraph above.
Cancellation of an account does not dismiss outstanding invoices or nullify previously agreed charges, such as payments for Spending Planner Services fees, charged in instalments or 6 month contract charges, portions of which may not yet have been invoiced when you cancelled. At the time of cancellation, any outstanding balance must be settled. All cancelled accounts with an outstanding balance may be turned over to a third-party collection service.
Billing Disputes
Each Handy Investor Pty Ltd customer agrees to provide Handy Investor Pty Ltd 30 days to attempt settlement of any billing dispute before disputing with any third-party credit/debit card company or bank. Should Handy Investor Pty Ltd receive a chargeback from a third-party credit/debit card company or bank on the customer’s behalf before Handy Investor Pty Ltd has been given a chance to resolve the issue, Handy Investor Pty Ltd has the right to charge the customer for its time spent in resolving such disputes and any associated fees incurred by Handy Investor, in addition to the $50 chargeback fee mentioned above. Regardless of the outcome of the chargeback, Handy Investor Pty Ltd retains the right to collect on any Services or fees that are due. Handy Investor Pty Ltd may submit any disputed amounts to a collection agency. Once a chargeback has been received, Handy Investor Pty Ltd has the right to suspend the account until the matter is resolved.