How to request a refund

Email support@qol.one from the address you used at checkout. Include the order ID or Stripe receipt number from your confirmation email — that's the fastest path. If you can't find it, the email address alone is enough; we'll match the record on our side.

You don't need to explain why. We log a one-line reason for our own product feedback, but it's optional and never gating. Replies typically land within one business day; refunds are issued the same business day the request is approved.

What's refundable

• Subscription charges (Spark, Compass, Atlas: monthly or annual): the most recent charge, refunded in full, within the 3-day window. Annual plans carry the same 3-day window from the most recent renewal, not from your original signup date.
• One-time Master Plan purchases: full refund within 3 days of purchase, even if the blueprint has already been delivered.
• Genuine billing errors (duplicate charges, charges after a confirmed cancellation): refunded outside the 3-day window with no time limit. Send the receipt and we'll fix it.

What's not refundable

• Subscription charges past day 3. After the window closes, the next billing period is yours — but you can cancel renewal anytime in two clicks from the dashboard or the Stripe customer portal, and you keep access until the period you paid for ends.
• Already-consumed product usage past the 3-day window. If you've used the Coach or downloaded your blueprint extensively and request a refund on day 30, that's a case-by-case review — not an automatic refund.
• Charges older than 90 days from any provider, since Stripe's refund window itself caps there. Older billing errors are still resolved, but as a credit to your next invoice rather than a refund to card.

Stripe processing time

Once a refund is approved, it's issued to your original payment method via Stripe. Stripe processes refunds within 5-10 business days — the exact timing depends on your card issuer or bank. International cards and bank-transfer methods sometimes take the full 10 days; most US cards land within 5. You'll see the refund as a separate line on your statement (it doesn't reverse the original charge).

If 10 business days have passed and the refund still hasn't appeared, forward the original receipt to support@qol.one and we'll trace it with Stripe directly.

Before you dispute a charge

By purchasing, you agree to contact support@qol.one and give us the chance to resolve any billing issue before initiating a card dispute, and you agree not to file disputes on products you've continued using beyond the 3-day window. Support is faster than a dispute in every case we've seen: refunds inside the window are issued the same business day, billing errors are fixed with no time limit, and everything else gets a real review by a human. If you are unhappy with our services, reach out — we'll review your situation and do our best to provide clear information and advice applicable to the service you're using.

EU customers

MoneySmith products are digital content delivered immediately after purchase. By completing checkout, you expressly consent to immediate delivery and acknowledge that you thereby waive the EU 14-day right of withdrawal for digital content (Directive 2011/83/EU, Art. 16(m)). The 3-day money-back guarantee above applies to you all the same.

Cancellation vs. refund

These are two different actions. Cancellation stops future charges; refund returns money for a charge already made. You can cancel without requesting a refund, and you can request a refund without canceling — though most people who refund within the 3-day window also cancel at the same time. Both actions are reversible if you change your mind: cancellation can be undone from the customer portal, and we can re-issue a fresh checkout link if you want to re-subscribe later.