All soft products (downloadable products) have a 60 day money back guarentee. There are no cash or credit refunds on services.  Any unused portion from pre-purchased sessions due to emergency cancellations on your part will be available to be used towards tele-seminars or re-scheduled private sessions. Twenty four hour notice is required if canceling or rescheduling a session otherwise payment for that session will be forfeited. If your appointment is cancelled or rescheduled by us within 24 hours of the session time, we will credit you an additional session as we also know the value of your time.