Chargebacks, last-minute cancellations, clients who want refunds on digital products they've already downloaded — these situations are stressful enough without having to figure out your policy on the fly. A clear, published Refund & Cancellation Policy is your first line of defense, and it needs to cover every type of product and service you offer.

This Refund & Cancellation Policy template is written in plain, straightforward English by a licensed attorney specifically for spiritual business owners who sell a mix of services, group programs, digital products, and courses. It's comprehensive enough to cover your whole business in one document — and clear enough that your clients will actually read and understand it before they buy.

🪄WHAT'S INCLUDED: Refund & Cancellation Policy

A complete policy covering every product and service type a spiritual business is likely to offer:

•1:1 Sessions & Readings — advance cancellation window, refund vs. credit options, late cancellation terms, no-show policy, and practitioner cancellation with full refund

•Group Programs, Courses & Circles — no-refund-after-start language, pre-start cancellation terms, missed session policy, and optional enrollment transfer provision

•Digital Products & Downloads — all sales final language; technical issue exception with contact window

•Online Courses & Memberships — flexible options for satisfaction windows, access-based refunds, and membership cancellation terms

•Physical Products — optional section for businesses that sell physical goods

•Payment Plans — payment plan obligations survive dissatisfaction; all installments due regardless of participation

•How to Request a Refund or Cancellation — contact email, subject line format, and response time expectations; refund processing timeline

•Chargebacks — request to contact you before initiating a chargeback; consequences for bad-faith chargebacks

•Changes to This Policy — right to update; continued use constitutes acceptance

•Contact — your email address for policy questions

🪄HOW TO USE IT

Download the file, fill in your business name, email address, cancellation windows, and refund terms in the bracketed fields, and publish it as a page on your website. Link to it in your site footer, at checkout, and in your client agreements. Works for any combination of 1:1 services, group programs, digital products, and memberships.

👁️ WHO THIS IS FOR

This template is designed for: spiritual coaches and practitioners who take session bookings, group program and circle facilitators, digital product and course sellers, anyone who offers payment plans, and any spiritual business owner who wants a professional, comprehensive refund policy that covers every corner of their business.