Refund Policy

Effective Date: April 10, 2026

Summary: All digital product sales are final. Because our products are delivered instantly in digital format, we do not offer refunds once a product has been accessed or downloaded.

1. Digital Products (Ebooks & Guides)

All ebook and digital guide purchases are final and non-refundable. Due to the instant-delivery nature of digital products, once you have received access to download links or files, the transaction is considered complete.

We encourage you to review all product descriptions, previews, and details carefully before making a purchase.

2. Premium Services

Premium service purchases (including personalized wealth plans and private community access) are non-refundable once the service has been initiated. A service is considered "initiated" once onboarding communication has begun or access has been granted.

3. Exceptions

We will issue a refund or replacement in the following circumstances:

Non-delivery: If you did not receive your purchased product within 48 hours of payment and we are unable to resolve the delivery issue
Duplicate charge: If you were charged more than once for the same product due to a technical error
Materially different product: If the delivered product is substantially different from what was described on the sales page at the time of purchase

4. How to Request a Refund

If you believe you qualify for a refund under the exceptions listed above, contact us within 14 days of purchase at contact@whei-chen.com with the following information:

Your full name and email address used for the purchase
The product purchased and date of purchase
A description of the issue

We will review your request and respond within 7 business days.

5. Payment Provider

All purchases are processed through Paddle.com, which acts as the Merchant of Record. Refunds, when approved, will be processed by Paddle and returned to the original payment method. Processing times may vary depending on your bank or payment provider.

6. Chargebacks

We encourage you to contact us directly before initiating a chargeback with your bank or credit card company. We are committed to resolving any legitimate issues promptly. Fraudulent chargebacks may result in the suspension of your account and access to all purchased products.

7. Consumer Rights

Nothing in this Refund Policy is intended to override your statutory consumer rights under applicable local law. If you are located in a jurisdiction that provides additional consumer protections (such as the European Union or United Kingdom), those rights apply in addition to this policy.

8. Contact

For refund inquiries, contact us at:
contact@whei-chen.com