Refund Policy

REFUND POLICY & 100% MONEY BACK GUARANTEE on educational readable $29 PDF’S & eBooks ONLY

The following Terms of Use are entered into by and between You and

EAGLEJOYLLC DBA www.thejoyofbudgeting.com (“Company”, “we”, or “us”).

The following refund policy and 100% money back guarantee together with any documents they expressly incorporate by reference (collectively, these “Terms of Use”), govern your access to and use of EAGLEJOYLLC DBA

www.thejoyofbudgeting.com, including any content, functionality and services offered on or through EAGLEJOYLLC DBA www.thejoyofbudgeting.com (the

“Website“), whether as a guest or a registered user.

YNAB Budget Coach Certification and Disclaimer

I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or its affiliates.

Refund Policy and 100% Money Back Guarantee

The Company gives 100% Money Back Guarantee and refunds is on the sale of PDF’s and eBooks ONLY on individual and bundled readable educational $29 PDF’S & $29 eBook’s. The Company does NOT offer 100% Money back Guarantee and NO refunds on Individual and Group Coaching Sessions on the website and coaching services namely “$79h YNAB.com Certified Budget Coaching Sessions” and The Company does not offer 100% Money Back Guarantee and no refunds for the ” $109y EagleJoy Club Subscriptions” and other products and services on www.thejoyofbudgeting.com (not governed by separate agreements or terms,) the Company provides a 100% money-back guarantee. That money-back guarantee is governed by the following terms, except to the extent that the terms of a specific product or service provide otherwise.

To obtain a refund, you must request your money back within 10 days of the purchase. You may request your money back by emailing EAGLEJOYLLC DBA

support@thejoyofbudgeting.com. That email must contain information about the product you purchased, the date of the purchase, and the email and name associated with any such purchase. You are not required to submit any proof that you have completed any work or meet any other requirements.

Upon determining that you are entitled to a refund pursuant to this policy, the Company will promptly issue an instruction to its payment processor to issue the refund. The Company does not control its payment processor and will not be able to expedite any refunds.

If you receive a refund of any purchase through this money-back guarantee, that shall immediately terminate any and all licenses granted you to use the material provided to you under these Terms of Use or any other agreement. You shall immediately cease using the material and shall destroy all copies of the information provided to you, including without limitation: video recordings, audio recordings, forms, template documents, slide shows, membership areas, social media groups limited to paying members, and other resources.

Any customer may redeem a money-back guarantee from the Company only once regardless of how many products and/or services the customer purchases. In other words, after a customer has received a refund for any one product under this money-back guarantee, that customer shall not be entitled to a refund as to any other product or service purchased from the Company.

No Refunds for Individual and Group Coaching Sessions

All sales are final, and the Company does not offer any money-back guarantees.

You recognize and agree that you shall not be entitled to a refund for any purchase under any circumstances.

No Warranties

THE COMPANY MAKES NO WARRANTIES REGARDING THE PERFORMANCE OR OPERATION OF THIS WEBSITE. THE COMPANY FURTHER MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE INFORMATION, CONTENTS, MATERIALS, DOCUMENTS, PROGRAMS, PRODUCTS, BOOKS, OR SERVICES INCLUDED ON OR THROUGH THIS WEBSITE. TO THE FULLEST EXTENT PERMISSIBLE UNDER THE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Changes to Terms

The Company reserves the right, in its sole discretion, to change the Terms under which the Website is offered. The most current version of the Terms will supersede all previous versions. The Company encourages you to periodically review the Terms to stay informed of our updates.

Contact Us

The Company welcomes your questions or comments regarding the Terms:of this Refund Policy and 100% Money Back Guarantee:

EAGLEJOYLLC DBA www.thejoyofbudgeting.com

1170 Temple Dr Apt 201

Sugar Hill, GA 30518

Email Address: EAGLEJOYLLC DBA at. support@thejoyofbudgeting.com

Effective as of January 1, 2025