Refund Policy

This Refund Policy covers consulting services purchased from OWN PAY LTD through this website or by invoice. It complements our Terms of Service.

1. Scope

Our services are professional consulting engagements, including diagnostic reports, advisory workshops, focused engagements, operational programs, and a monthly retainer. The Refund Policy applies to all of them.

2. Pre-engagement refunds

If a purchase has been completed but no work has commenced, you may request a full refund within 14 days of payment. For consumers in the European Union and the United Kingdom, this aligns with the right of withdrawal under the EU Consumer Rights Directive and equivalent UK legislation. Most clients are business customers; consumer protections apply only where the engagement is for purposes outside any trade, business, or profession.

3. Work commenced

Consulting deliverables are partly bespoke. Once intake has started or any work product has been prepared, the engagement is no longer fully refundable. We will refund the portion of the fee that corresponds to work not yet performed. For consumer purchasers, this reflects an express request to begin services during the 14-day withdrawal period; the right of withdrawal is reduced proportionally to work already delivered.

4. Subscription (Management Advisory Retainer)

The Retainer is a monthly subscription billed in advance. You may cancel at any time. The current billing month is not refundable; cancellation takes effect at the end of that month. Unused hours within a month do not roll over and are not refunded.

5. Non-refundable scenarios

• Deliverables already issued in written or presentation format and accepted by the client.
• Workshops or sessions that have already taken place.
• Third-party costs incurred at the client's request, such as travel, venue hire, or external research subscriptions.

6. How to request a refund

Send a written request to billing@ownpayltd.com including the order or invoice reference, the service purchased, the date of purchase, and the reason for the refund request.

7. Processing

Approved refunds are processed within 14 working days of approval. Card refunds are returned to the original payment method through secserv.me. Invoice refunds are returned by bank transfer.

8. Disputes

If we cannot reach agreement on a refund request, you may raise the matter with your card issuer, payment provider, or the relevant consumer protection authority where applicable. Disputes are subject to the governing law set out in the Terms of Service.