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Refund Policy
Digital Download Return and Refund Policy
Effective Date: September 10, 2026
Thank you for purchasing educational materials from Nautilus Credit Coaching Academy. Please review this policy carefully before completing your purchase.
1. Products Covered by This Policy
This policy applies to digital products sold by Nautilus Credit Coaching Academy, including:
Individual lessons and sessions
Complete modules and courses
Digital workbooks and manuals
Worksheets, templates, checklists, and planning tools
Electronic documents and downloadable resource packages
Other products delivered electronically
Digital products cannot be physically returned after they have been delivered, accessed, opened, or downloaded.
2. General No-Return Policy
Because customers receive immediate access to digital intellectual property, all digital-download purchases are considered final once the product has been delivered, accessed, opened, or downloaded.
Nautilus Credit Coaching Academy does not ordinarily provide refunds, returns, or exchanges for:
A change of mind
Accidental purchases not reported before access or download
Failure to read the product description before purchasing
Failure to use or complete the purchased material
Purchasing the wrong lesson or module when the correct product was clearly described
Dissatisfaction based solely on personal preferences
Lack of time to complete the material
Incompatibility with a device or software when requirements were disclosed before purchase
An expectation of a particular credit score, account change, loan approval, financial result, or other outcome
Nothing in this policy limits any refund, replacement, cancellation, or other remedy that cannot legally be waived under applicable federal, state, or local law.
3. Cancellation Before Access or Download
A customer may request cancellation within seven calendar days of purchase if the digital product has not been accessed, opened, streamed, or downloaded.
Nautilus Credit Coaching Academy may verify product-access and download records before approving the request. Once access or download has occurred, the purchase becomes subject to the general no-refund rule and the limited exceptions described below.
4. Eligible Refund or Replacement Requests
Nautilus Credit Coaching Academy will review a request when:
The customer was charged more than once for the same product.
The customer received a different product from the one purchased.
The download link does not work.
The delivered file is corrupted, incomplete, or unusable.
The product was not delivered to the email address supplied during checkout.
The product was materially misrepresented in its sales description.
A refund or other remedy is required by applicable law.
Whenever practical, Nautilus Credit Coaching Academy will first attempt to correct the problem by restoring access, supplying a working download link, replacing the defective file, or delivering the correct product.
If the problem cannot reasonably be corrected, an appropriate refund, replacement, exchange, or account credit may be issued.
5. Request Deadline
Requests involving a duplicate charge, incorrect product, delivery failure, corrupted file, or technical access problem should be submitted within seven calendar days of purchase.
A request submitted after that period may still be considered when required by law or when the circumstances reasonably justify additional review.
6. How to Submit a Request
Send the request to:
Nautilus Credit Coaching Academy
Email: [email protected]
Include:
Customer’s full name
Email address used for the purchase
Order or transaction number
Product title
Purchase date
Description of the problem
Screenshot of the error, when applicable
Requested resolution
Do not email Social Security numbers, complete account numbers, passwords, credit reports, identification documents, or other sensitive financial information.
7. Review and Resolution
Nautilus Credit Coaching Academy will ordinarily acknowledge a complete request within three business days and attempt to issue a decision within five business days.
Additional time may be required when transaction records, platform-access records, payment information, or technical issues must be investigated.
Approved refunds will be returned to the original payment method whenever possible. Financial institutions and payment processors may require an additional five to ten business days to post the credit.
8. Duplicate Purchases
If a customer unintentionally purchases the same digital product more than once, the duplicate transaction may be refunded after the transactions and product-access history are verified.
This provision does not apply when multiple copies, licenses, or access rights were intentionally purchased.
9. Technical Requirements
Customers are responsible for reviewing any stated technical requirements before purchasing. Digital materials may require:
A reliable internet connection
A current web browser
PDF-reading software
Microsoft Word or compatible software
A device capable of opening, saving, and printing the supplied file format
Nautilus Credit Coaching Academy will provide reasonable assistance when a customer cannot access a product because of a delivery or file problem under the Academy’s control.
10. Educational Materials and Outcomes
Nautilus Credit Coaching Academy provides educational information and self-coaching tools. Purchasing or completing a product does not guarantee:
A particular credit score or score increase
Removal or correction of reported information
Approval for credit, housing, employment, insurance, or financing
A particular interest rate, credit limit, or loan term
Debt reduction or other financial results
A customer’s dissatisfaction with an outcome that was never promised does not, by itself, make the purchase eligible for a refund.
11. Unauthorized Sharing
A purchase provides access only to the purchaser unless the product expressly includes additional users or licenses.
Digital materials may not be copied, resold, uploaded, publicly distributed, shared with unauthorized users, or represented as another person’s work. Suspected unauthorized use will be handled separately from legitimate refund and technical-support requests.
12. Purchases Through Third-Party Platforms
When a product is purchased through Teachable, Stripe, an app marketplace, or another third-party platform, the platform’s payment procedures and mandatory refund requirements may also apply.
If a platform requirement conflicts with this policy, the controlling platform requirement or applicable law will govern to the extent of the conflict.
13. Payment Disputes
Customers are encouraged to contact Nautilus Credit Coaching Academy first so that delivery, duplicate-payment, incorrect-file, and technical problems can be investigated promptly.
Nothing in this policy limits a customer’s lawful right to contact a payment provider, dispute an unauthorized transaction, report a billing error, or exercise another non-waivable consumer right.
14. Promotions, Coupons, and Price Changes
Refunds or credits will not ordinarily be issued because a product was offered at a lower price after an earlier purchase.
Promotional codes must be applied during checkout and cannot normally be added after the transaction has been completed.
15. Policy Acceptance
By completing a purchase, the customer acknowledges that:
The product is delivered digitally.
Digital access may begin immediately after payment.
The customer has reviewed the product description and technical requirements.
The purchase becomes final after the product is accessed, opened, or downloaded, except for the limited remedies described in this policy or required by law.
16. Applicable Law
This policy is intended to operate throughout the United States. Consumer-protection laws vary by jurisdiction.
If any provision is found invalid or unenforceable, that provision will be applied only to the maximum extent permitted, and the remaining provisions will continue in effect. This policy does not waive rights or remedies that applicable law does not permit a business or consumer to waive.
17. Contact Information
Questions about this policy may be directed to:
Nautilus Credit Coaching Academy
Email: [email protected]