Refund & Returns Policy
Last updated: July 2, 2026
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1. Deposits & Coaching Sessions
A deposit reserves your time and secures capacity we set aside for you. Deposits are generally non-refundable, but are credited in full toward your engagement. If you cancel after work has begun, fees for work already performed are due, and any unused pre-paid amounts beyond the non-refundable deposit are refunded on a pro-rata basis.
2. Rescheduling
Life happens. If you need to reschedule a session with reasonable notice (at least 48 hours before your appointment where possible), we’ll move your booking and apply your deposit, subject to availability. Repeated late cancellations or no-shows may forfeit the deposit for that session.
3. Courses & Multi-Session Programs
| Situation | What happens |
|---|---|
| Cancel before the program starts | Refund of amounts paid, less any non-refundable deposit and any materials already delivered. |
| Cancel after the program starts | Pro-rata refund for sessions not yet delivered; completed sessions and released materials are non-refundable. |
| Self-paced / on-demand course | Because access and materials are delivered immediately, sales are generally final once you access the content (see digital products below). |
4. Digital Products & Downloads
Digital products, downloadable resources, and on-demand course content are delivered instantly and are generally non-refundable once accessed or downloaded, to the extent permitted by law. If a digital product is defective, does not match its description, or you were charged in error, contact us within 14 days and we will make it right — repair, replacement, or refund as appropriate.
5. If We Cancel
If we cancel a session, course, or program and cannot reschedule it, you will receive a full refund of amounts paid for the undelivered portion.
6. How to Request a Refund
Email [email protected] with your name, order or booking number, and a short description. We review each request individually and respond promptly. Approved refunds are returned to your original payment method via Stripe; the time to appear on your statement depends on your bank or card issuer.
7. Contact
Altagracia Montilla Consulting LLC (doing business as “A.M. Consulting”)
Newark, New Jersey
[email protected]
This policy is provided for transparency and general information and is not legal advice. It works alongside our Terms of Service and Privacy Policy. Nothing here limits any non-waivable statutory right you may have under applicable consumer law.
