Return and Refund Policy

Effective October 6, 2026

1. The short version

All sales are final once digital access has been delivered. You can cancel any subscription at any time. Cancelling stops future billing. It does not refund the period you are in, and we do not pro rate a partial period.

2. Why the policy works this way

Everything we sell is digital and is delivered immediately. The moment your access is granted you can open the full course, join live sessions and see the material. There is no way to return that.

So you never have to buy blind: - Day Zero is free. Claim the free plan on Whop, no card needed, and try the start of the course with graded practice. - Anyone can look around the course site at learn.smallmoneyconcepts.com before buying. - You can request a call at book.smallmoneyconcepts.com and ask your questions first.

We would rather you take your time than buy something that is not right for you.

3. Subscriptions (monthly and yearly)

• Cancel at any time from your Whop account. Cancellation takes effect at the end of the current paid period.
• You keep full access until that period ends.
• We do not refund or pro rate the period you are in, whether or not you used it.
• First-month prices renew at the regular price. If you paid a lower first-month price, your plan renews at the regular price shown at checkout unless you cancel before the renewal date.
• Yearly plans renew yearly. Cancel before the renewal date if you do not want to be billed for another year.
• It is your responsibility to cancel before the next renewal date if you do not want to be billed again. A renewal you forgot to cancel is not refundable.

4. One-time payments

The one-year Mentorship payment, and any other one-time purchase, is final once access has been delivered. Promotional and discounted pricing is likewise final and is not price matched against later offers.

5. The narrow exceptions

We will make it right, by refund or by fixing the problem, in these situations: - You were charged twice for the same thing. - You were charged after cancelling, through no fault of your own. - You paid and access was never delivered, and we could not deliver it within a reasonable time. - The charge was not made by you or by anyone authorized to use your payment method.

Not getting the trading results you hoped for is not one of these situations. Neither is a session that was rescheduled, a morning with no trade, or an analysis that was not posted on a given day.

6. How to raise a problem

Email contact@smallmoneyconcepts.com, or open a ticket in the Discord, with the email address you purchased under, the product name, and the date of the charge. Contact us first rather than opening a dispute with your bank. Almost everything is resolved faster that way.

7. Chargebacks

Opening a chargeback without contacting us first, on a product that was delivered, is treated as a breach of our terms. It results in removal from the community and from all program access, and we will provide the payment processor with the delivery records that show what you received and when.

8. Existing lifetime members

We no longer sell lifetime access. The seven day guarantee that applied to lifetime purchases ended when lifetime access stopped being sold. Existing lifetime members keep their access as described in our Terms of Service.

9. Statutory rights

Nothing in this policy limits any right you have under consumer law that cannot be waived. Where such a right applies to you, it applies regardless of what is written above.

10. Contact

Billing and refund questions go to contact@smallmoneyconcepts.com.