Refund Policy

If you are a consumer residing in the EU/EEA, EU law normally grants you a 14-day right of withdrawal from the day a contract is concluded, allowing you to cancel a purchase without giving any reason (Articles 9 to 16 of Directive 2011/83/EU).

This statutory right exists for distance contracts. However, EU law itself provides that this right does not apply, or is lost, in specific cases set out in Article 16 of the Directive — in particular for digital content and for services that have begun with your prior express consent. The next section explains how this applies on the Platform.

Digital content (courses, lessons, podcasts and other subscriber content): in accordance with Article 16(m) of Directive 2011/83/EU, the right of withdrawal does not apply to the supply of digital content not on a tangible medium where performance has begun with your prior express consent and your acknowledgment that you thereby lose your right of withdrawal. Access is granted immediately upon payment confirmation.

Services (1-on-1 coaching and AI coaching): in accordance with Article 16(a) of Directive 2011/83/EU, once a service has been fully performed — performance having begun with your prior express consent and acknowledgment that you lose your right of withdrawal once the contract is fully performed — the right of withdrawal no longer applies. For a coaching service partially performed at the moment you would withdraw, you remain liable for the proportionate amount of the service already provided.

This express consent and acknowledgment are collected at checkout, by ticking the dedicated box and confirming your order. Without this consent, immediate access cannot be granted.

Subject to the mandatory rights described in this policy and to the exception below, any subscription whose billing period has begun is final and non-refundable once access has been granted and performance has begun.

Cancelling a subscription stops future renewals; it does not refund the current period, which remains active until its end. Amounts already billed for a period that has begun are non-refundable and non-transferable once access to the content has been opened.

Crypto payments (annual plan only): subscriptions paid in cryptocurrency (BTC, ETH, USDT, USDC) through NOWPayments are irreversible and strictly non-refundable. Because on-chain transactions cannot be reversed and no chargeback is possible, no refund can be issued to a card or bank account. If, exceptionally, a gracious gesture is made at our sole discretion, it would be paid in cryptocurrency only — never in fiat currency.

A refund or credit may be granted on an exceptional and discretionary basis in the following cases:

Major technical failure: if a technical failure attributable to the Platform makes purchased content completely inaccessible, is reported by the buyer, and is not resolved within 72 hours of the report.

Duplicate or erroneous charge: if you are charged twice for the same order, or charged in error, the incorrect charge will be refunded in full.

Unauthorized transaction: if a payment was made without your authorization, contact us immediately; confirmed unauthorized charges are refunded and the account secured.

To request an exceptional refund, contact our support form within 14 days of the charge, including your order reference and a description of the issue. We aim to respond within 5 business days.

Subscriptions are offered and managed on the Marcus Vance platform (marcusvance.com / learn.marcusvance.com). If you hold a subscription paid by card, Apple Pay or Google Pay, it renews automatically at the end of each billing period unless cancelled beforehand. You can cancel at any time from the subscription settings in your account.

Crypto (annual) does not auto-renew: an annual subscription paid in cryptocurrency covers one year of access and does not renew automatically. Access ends at the term unless you choose to pay for a new period.

Cancellation stops future renewals; it does not refund the current period, which remains active until its end. Amounts already billed for a started period are non-refundable, subject to the mandatory rights described above.

Termination for violation: if your account is suspended or terminated for a breach of our Terms or Community Guidelines — including prohibited content such as hate speech, or the sale/promotion of weapons, drugs, pornographic or child sexual abuse material — any linked subscription is terminated and no refund is issued for any subscription period in progress, and access is forfeited (it has no cash value).

If a subscription price changes, you are notified by e-mail or through a notice on the Platform at least 30 days before the renewal date and may cancel before the new price takes effect.

Nothing in this policy limits any non-waivable statutory right you may have as a consumer under the mandatory law of your country of residence — including, where applicable, remedies for content or services that are defective, not as described, or not of satisfactory quality.

Where mandatory local law grants you a refund right that cannot be contractually excluded, that right prevails over the no-refund principle set out above.

For any refund request or question about this policy, contact us via our support form or, for legal matters, our legal contact form.

EU consumers may also use the European Commission's Online Dispute Resolution platform: https://ec.europa.eu/consumers/odr

This policy is governed by the laws of the State of Wyoming, United States, without prejudice to the mandatory consumer protections of your country of residence.