Refund Policy

1. Introduction

At Whisaceern, we are committed to providing high-quality financial management products and services that help our customers take charge of their finances. We understand that sometimes a product may not meet your expectations or specific needs. This Refund Policy outlines our guidelines for refunds, returns, and exchanges for products purchased through our website or directly from our physical locations.

By purchasing our products, you agree to the terms of this Refund Policy. Please read this policy carefully before making a purchase.

2. Physical Products

2.1 Return Eligibility

You may request a return or refund for physical products (such as financial workbooks, guides, and planners) under the following conditions:

• The request is made within 14 days of delivery
• The product is in its original condition
• All packaging, accessories, and free items that came with the purchase are included
• You have proof of purchase (order number, receipt, or confirmation email)

2.2 Products Not Eligible for Return

The following items are not eligible for return or refund:

• Products with missing pages or components
• Products that show signs of use or damage caused after delivery
• Products that have been personalized or customized at your request
• Items marked as "Final Sale" or "Non-Returnable" at the time of purchase

2.3 Damaged or Defective Products

If you receive a damaged or defective product:

• Contact us within 3 days of receiving the product
• Provide clear photos of the damage or defect
• We will arrange for a replacement or full refund, including any shipping costs

2.4 Incorrect or Missing Items

If you receive an incorrect item or if items are missing from your order:

• Contact us within 3 days of receiving your order
• Provide your order number and details of what is missing or incorrect
• We will send the correct item or missing components as soon as possible, at no additional cost

3. Return Process for Physical Products

3.1 Initiating a Return

To initiate a return:

1. Contact our customer service team at [email protected] or call +233 24 819 5523
2. Provide your order number, the product(s) you wish to return, and the reason for the return
3. Our team will review your request and, if approved, provide you with return instructions

3.2 Return Shipping

For standard returns (non-defective products):

• You are responsible for return shipping costs
• We recommend using a trackable shipping method
• You are responsible for the product until it reaches our facility

For returns of defective, damaged, or incorrect items:

• We will provide a prepaid shipping label or arrange for pickup
• There is no cost to you for returning these items

3.3 Refund Processing

Once we receive your returned product:

• We will inspect the item to ensure it meets our return criteria
• If approved, your refund will be processed within 5-7 business days
• Refunds will be issued to the original payment method used for purchase
• You will receive an email confirmation when your refund has been processed

Please note: It may take an additional 2-10 business days for the refund to appear in your account, depending on your financial institution's processing times.

3.4 Exchanges

If you wish to exchange a product for a different item:

• Follow the same process as for returns
• Specify which product you would like to receive as a replacement
• If the replacement product has a different price, you will either be charged the difference or refunded the difference accordingly

4. Workshops and Services

4.1 Workshop Cancellations

For workshops, training sessions, and other scheduled services:

• Cancellations made 7 or more days before the event: Full refund
• Cancellations made 3-6 days before the event: 50% refund
• Cancellations made less than 3 days before the event: No refund

4.2 Workshop Transfers

If you are unable to attend a workshop, you may:

• Transfer your registration to another person at no additional cost
• Transfer your registration to a future workshop date (subject to availability) if requested at least 3 days before the original workshop date

4.3 Workshop Cancellation by Whisaceern

If we need to cancel a workshop for any reason:

• You will receive a full refund
• Or, you may choose to transfer your registration to a future workshop date
• We will not be responsible for any travel, accommodation, or other expenses you may have incurred

5. International Orders

For orders shipped internationally:

• All terms of this refund policy apply
• Return shipping costs for standard returns (non-defective items) are the responsibility of the customer
• Import duties, taxes, and customs fees are not refundable
• Processing time for international returns may be longer due to shipping and customs clearance

6. Satisfaction Guarantee

We stand behind the quality of our products. If you are not satisfied with your purchase for any reason:

• Contact us within 30 days of receiving your product
• Explain why the product did not meet your expectations
• Our team will work with you to find a satisfactory solution, which may include:
• Product support or guidance
• Exchanging for a more suitable product
• Partial or full refund

This satisfaction guarantee is in addition to your statutory rights and does not affect those rights in any way.

7. Exceptions and Special Circumstances

We understand that exceptional circumstances may arise. In such cases, please contact our customer service team, and we will review your situation on a case-by-case basis.

For bulk orders, corporate purchases, or custom products, specific refund terms may be outlined in your purchase agreement, which will supersede this general policy.

8. Changes to This Policy

We reserve the right to modify this Refund Policy at any time. Changes will be effective immediately upon posting on our website. The policy that was in effect at the time of your purchase will apply to that purchase.

9. Contact Us

If you have any questions about our Refund Policy, please contact us:

• By email: [email protected]
• By phone: +233 24 819 5523
• By mail: Whisaceern, 18 Independence Avenue, Accra, Ghana

For urgent matters, phone calls will receive the quickest response during our business hours: Monday to Friday, 8:00 AM to 6:00 PM (Ghana Time).