SALES & REFUNDS

Last Revised: March 15, 2017

Thank you for visiting a Dafina Lovelace LLC. web site, including embracechangeyoga.com, diyinvestmentclubs.com. You arrived at this Terms & Conditions page from one of the above sites, referred to herein as “this web site”.

These terms and conditions are subject to change by Dafina Lovelace LLC. (hereinafter “Company”) at any time and at our discretion without notice by updating this posting.

These terms and conditions govern your use of this web site. By accessing this web site, you are acknowledging and accepting these terms and conditions.

Your use of this web site after any changes are implemented constitutes your acceptance of the changes. As a result, we encourage you to consult the terms and conditions each time you use this web site.

SALES AND REFUND POLICY

PAYMENT OPTIONS

COMPANY accepts all major credit cards and Paypal payments. In the event your credit card is declined, we will inform you via email and ask that you place your order again with a new card. Your credit card will be charged on the day you place your order for goods or services. The charge will appear on your credit card or Paypal statement as DAFINA LOVELACE LLC or DAFINALOVEL.

PAYMENT PLANS

Many of our products and programs offer a convenient payment plan option where your investment can be split into multiple payments. After the initial payment, subsequent payments are automatically debited from your account every 14 days until the balance has been paid. For example, if you make a purchase and choose the payment plan on March 1, your credit card will be charged for the next payment on March 15 and so on.

REFUND POLICY FOR ONLINE COURSES, PRODUCTS, AND PROGRAMS

Our downloadable online programs are backed by a 7-DAY, 100% Money-Back Guarantee. Download the training material and try it for yourself within 7 DAYS and THEN decide if it’s right for you. If you don’t love the training you purchased, just show us that you did the work and we’ll return your money. Just email our support team at support@diyinvestmentclubs.com with your completed assignments and we’ll refund your payment in full.

REFUND POLICY FOR INDIVIDUAL AND GROUP COACHING AND MENTORING PROGRAMS

Enrollment in any of the coaching and mentoring programs offered by COMPANY constitutes a non-cancellable agreement. There are absolutely no refunds or cancellations and you are legally and financially responsible for the full tuition of the program in which you are enrolled, regardless of whether you actually participate or show up for your coaching and mentoring sessions.

REFUND AND RETURN POLICY FOR PHYSICAL PRODUCTS

Physical products sold by COMPANY are nonrefundable, except in the case of damage or defect. In the unlikely event that you receive a damaged or defective item, please send an email to support@diyinvestmentclubs.com within 7 days of the date you received your item(s) for information on how to return the item for a refund or exchange.

SALES TAX AND SHIPPING

All physical products shipped from COMPANY will be subject to sales tax, applicable in accordance with the tax code of the state and city to which the order will be shipped. Tax is estimated at the time an order is placed and a final calculation of the actual sales tax will be reflected in your order confirmation email. All shipping charges uses standard shipping rates for domestic and international shipping. Please check the final pricing on the product checkout page when you make your selection.

PAYMENT AND SHIPPING CONFIRMATION

Upon checkout, an email will be sent to you with a copy of your order. If you have purchased a physical product, you will receive an additional email to confirm shipment of your order. If you have any questions about your order status, please contact us at support@diyinvestmentclubs.com.

TROUBLESHOOTING DIGITAL DOWNLOADS

If you do not receive the downloads following your purchase of a digital ebook, course, product or program, it is likely due to one of the following reasons: 1) You entered your email address incorrectly on the online order form or 2) Your confirmation email was sent to your spam folder. In the event that you cannot download a digital product that you have received, it is probably because you do not have Adobe Reader (free PDF reader viewer) installed on your computer. You can download Adobe Reader for free here: http://get2.adobe.com/reader/. For assistance with all other digital download issues, please contact us at support@diyinvestmentclubs.com.

CHARGEBACKS AND PAYMENT SECURITY

When you provide COMPANY with your credit card information for payment on your account, COMPANY shall be authorized to charge your credit card for any outstanding fees. If you sign up for a payment plan to make monthly payments on any product, program or service, COMPANY shall be authorized to run all charges on or around the time they are due and not require separate authorization in order to do so. You are fully responsible for any fees associated with recouping payment on chargebacks and any fees associated with the payment collection process. Further, you may not change any of the credit card information provided to COMPANY without notifying us in advance.

If you have any questions about our sales and refund policies, please contact us at support@diyinvestmentclubs.com.

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