Payment & Refund Terms — Academy of Financial Independence

Effective Date: September 8, 2025

Last Updated: March 26, 2026

Contact: info@kristinashadrina.com

1.1. These Payment & Refund Terms govern payments and refunds for digital products and access to online courses/materials (“Products”) provided by Academy of Financial Independence (“Company,” “we,” “us,” “our”) via our websites, pages, payment pages, and learning platforms.

1.2. By placing an order (making a payment), you acknowledge and agree to these Payment & Refund Terms, our Privacy Policy, and our Terms of Use.

2.1. Prices are displayed on the offer page, checkout page, payment page, invoice, or written confirmation from an authorized manager and may vary by product, promotion, and package composition.

2.2. Applicable taxes/fees may be charged as required by relevant jurisdictions. Unless otherwise stated at checkout, prices are shown exclusive of tax, which is calculated automatically from your payment details.

2.3. Payments are processed in the currency shown at checkout or on the payment page. Any bank/payment-system fees and currency conversion costs are your responsibility.

3.1. We accept payment methods and payment providers made available on the applicable payment page or otherwise approved by the Company, including approved transfer methods where offered.

3.2. If you choose a third-party financing, installment, or payment provider made available at checkout or on a payment page, you enter a separate agreement with that provider; any schedule, rates, and fees are governed by that provider’s terms. Cancelling access with us does not cancel your obligations to that provider.

3.3. We may request additional verification (including identity/card ownership evidence) and may decline service if we suspect fraud, unlawful activity, or a breach of these Terms.

4. Delivery of Access and Performance

4.1. Access to digital materials is provided immediately and automatically upon successful payment (or at the explicitly stated start date for a scheduled cohort/module).

4.2. The moment of successful charge and access activation constitutes the start of performance of the digital service.

4.3. There is no activation period. Once payment is confirmed, changes to the order, product/package exchanges, plan transfers, freezes/deferrals, cancellations, or reversals are not available.

5. Non-Refundability of Digital Products

5.1. After access is activated, all payments are final and non-refundable.

5.2. Exceptions apply only where: (a) required by applicable law, or (b) explicitly and unambiguously stated in the specific promotion/agreement before payment.

5.3. The following are not grounds for a refund: unmet personal expectations, change of plans, non-use of access, “wrong product/tier selected,” subjective “lack of usefulness,” insufficient device readiness, or lack of stable internet.

6. Technical Requirements and Access

6.1. You are responsible for having a compatible device, up-to-date software/browser, email access, and a stable internet connection.

6.2. Temporary interruptions affecting third-party services (including hosting providers, payment processors, payment page providers, or learning platform providers) are not grounds for a refund; where feasible, we may provide reasonable alternatives (e.g., a replay or an extended access window).

7. Deposits, Reservations, Discounts, and Bonuses

7.1. Reservation/deposit amounts, discounts, and bonuses (e.g., extra modules, consultations, materials) are shown at purchase and do not alter the non-refundability rule unless expressly stated otherwise in the specific offer.

7.2. Coupons/discount codes are not redeemable for cash and may carry expiration dates and usage conditions.

8. Payment Disputes and Chargebacks

8.1. For any payment issue, contact info@kristinashadrina.com promptly—most matters are resolved faster and more efficiently than through a formal dispute.

8.2. If a chargeback/dispute is initiated, we may temporarily suspend or terminate access to materials until resolution.

8.3. We will contest unfounded chargebacks and provide evidence to processors/banks, including login records, timestamps, IP/device data, payment confirmations, copies of offers/terms, and proof of access delivery.

8.4. If a chargeback is reversed and/or the charge is reinstated, access may be restored. We may recover reasonable dispute-handling and collection costs to the extent permitted by applicable law.

8.5. Any outstanding balance (including amounts reversed via chargeback) remains due; delinquent accounts and invoices may be referred to collections as allowed by law.

8.6. If a payment dispute/chargeback cannot be resolved through the bank/payment provider process, the Company may, at its discretion, file a claim in California Small Claims Court (Orange County) to resolve the dispute and/or recover outstanding amounts, contractual payments, reasonable dispute-handling costs, and court fees, to the extent permitted by law. Venue shall be Orange County, California, unless mandatory law requires otherwise.

9. Order Cancellation and Changes

9.1. Before payment is confirmed, an order may be cancelled only if that option is expressly provided in the specific offer (e.g., a visible “Cancel” option prior to clicking “Pay”).

9.2. We reserve the right to cancel an order before payment is confirmed in case of pricing/technical errors, suspected fraud, or legal violations; in such case, any erroneously captured amount will be refunded.

9.3. We may correct inaccuracies and typographical errors (including pricing) without prior notice prior to payment completion.

10. Electronic Confirmations and Signatures

10.1. All consents, confirmations, and legally significant communications related to a purchase are executed in electronic form.

10.2. Your actions in the interface (clicking “Pay/Agree,” checking a consent box, typing your name, entering a one-time code, etc.) constitute an electronic signature with the same legal effect as a handwritten signature.

10.3. We maintain an audit trail (timestamps, technical identifiers, document versions) to evidence acceptance and access delivery.

11. Provider-Initiated Reversals and Service Refusal

11.1. If a payment provider cancels/returns a payment under its compliance/risk rules, access may be suspended or terminated until resolved.

11.2. We may refuse service or request an alternative payment method in cases of elevated risk, verification inconsistencies, violations of these Terms, or legal requirements.

12. Governing Law and Document Priority

12.1. These Terms are governed by the laws of the State of California and applicable U.S. federal law.

12.2. If there is any conflict between these Terms and the specific terms of a promotion/agreement, the specific terms presented on the offer page, checkout page, payment page, or invoice/written confirmation before payment will prevail.

12.3. These Terms form an integral part of our Terms of Use and apply in conjunction with them.