Refund Policy

Our Refund Philosophy

Two things are true at the same time:

1. You deserve protection. If a programme genuinely isn't right for you, you shouldn't be stuck with it.
2. Digital content can't be "returned." Once you've watched the lessons and downloaded the workbooks, you have them forever — a bit like asking for your money back after eating the whole meal.

So our guarantees are generous where trust matters most, and honest about the conditions where the do-the-work part matters. Every condition below is disclosed before you buy — on this page and on each sales page.

The Quick Reference Table

The Details, Programme by Programme

Your Legal Rights (UK, EU & Everywhere)

Nothing in this policy reduces your legal rights — our guarantees sit on top of them, and where the law gives you more, the law wins.

• UK & EU consumers: you have a statutory 14-day right to cancel most online purchases. For digital content, at checkout you'll be asked to consent to immediate access and acknowledge that this waives the statutory cancellation right for that content — our own 14-day guarantee then protects you instead. For services (like coaching or memberships), if you cancel within the statutory 14 days after asking us to start straight away, we may deduct a proportionate amount for what's been delivered.
• Faulty or not-as-described: if something we sold you doesn't work or isn't what we described, you're entitled to a repair, replacement, or refund under the UK Consumer Rights Act 2015 (and equivalent laws where you live) — regardless of any guarantee window.
• US customers: our subscription billing follows FTC requirements — clear disclosure before you're charged, and cancellation that's as easy as signing up.

How to Request a Refund

1. Email support@lloyd-k.com with the subject line "Refund Request".
2. Include the name on the order, the email you purchased with, and what you bought.
3. For do-the-work guarantees, attach or link your completed work (workbook pages or Build Proof posts).

We'll confirm within 2 business days and process approved refunds within 5 business days. Money goes back to your original payment method; depending on your bank, it typically appears within 5–10 business days after processing.

Technical Problems

If you can't access something you paid for, that's on us to fix — fast. Email support and we'll troubleshoot; almost everything is resolved within 72 hours. If we genuinely can't give you access to what you bought and can't offer a fair alternative, you get a full refund, no guarantee window required. (Problems on your end — like an unsupported ancient browser or a patchy connection — aren't grounds for a refund, but we'll still try to help you get connected.)

Chargebacks — Please Talk to Us First

A chargeback is when you dispute a charge with your bank instead of asking us. For a small business, chargebacks are expensive and can threaten our ability to take payments at all — and if the purchase was legitimate, filing one instead of using this policy is unfair to everyone in the community.

• If something's wrong, email us first. Genuine billing errors get fixed immediately.
• If a chargeback is filed on a legitimate purchase, we'll respond with the purchase records and may decline future orders from that customer.
• Chargebacks are the right tool for genuinely unauthorised charges (e.g. a stolen card) or if we've failed to respond to a valid refund request.

Fair Use of This Policy

Our guarantees exist for genuine cases, not as a free-content loophole. We reserve the right to decline refunds where there's clear abuse — for example, repeatedly purchasing and refunding programmes, or downloading everything and requesting a refund minutes later with no engagement. These cases are rare, judged individually, and never used to dodge a genuine claim or your statutory rights.