Refund policy

PAYMENT POLICY

1. Fees
All service fees will be communicated and agreed upon before work begins.

2. Payment Terms

• Full payment may be required upfront for certain services
• Alternatively, a deposit may be required before work begins

3. Non-Payment
Services may be withheld or suspended if payment is not received.

4. Refund Policy

• No refunds once work has commenced
• Refunds may be considered at management discretion before work begins

5. Financial Product Fees
Fees related to financial products are governed by Old Mutual and will be disclosed during consultation.