Refund and Cancellation Policy

Effective Date: August 31, 2026
 

This Refund and Cancellation Policy applies to advisory services purchased from Kevin Simcock Inc (“Company,” “we,” “us” or “our”), including Reclaim advisory programs, individual advisory sessions and other paid advisory services offered through kevinsimcock.com.
 

This Policy forms part of our Terms of Service and, where applicable, any Master Services Agreement or other written service agreement entered into between the Company and a client (“Client” or “you”).

If a specific written agreement between you and the Company contains refund, cancellation or payment terms that differ from this Policy, the terms of that agreement will govern to the extent of the inconsistency, subject always to applicable law.
 

1. Program Commitments

Certain advisory services are offered as fixed-term engagements, including three-month and six-month advisory programs.

Where a program is identified at the time of purchase as a fixed-term engagement, you are purchasing the entire engagement rather than individual sessions or a month-to-month subscription.

If an installment payment option is offered, the installments are a payment arrangement for the total program fee and do not convert the engagement into a monthly subscription or provide a monthly right of cancellation.

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2. 48-Hour Refund Period

Except where otherwise stated at the time of purchase or required by applicable law, you may request cancellation and a refund within 48 hours of purchase.

Requests must be submitted in writing to hello@kevinsimcock.com.

Where permitted by applicable law, any non-refundable third-party payment-processing charges actually incurred by the Company may be deducted from the refund.

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3. Refunds After 48 Hours

Except where required by applicable law, payments are non-refundable after the 48-hour refund period.

For fixed-term advisory programs, cancellation or withdrawal after the 48-hour refund period does not relieve the Client of their obligation to pay the agreed program fee, including any outstanding installments, unless otherwise agreed by the Company in writing.

Failure to attend sessions, complete program materials, participate in the program or otherwise use the Services does not entitle the Client to a refund or reduction in fees.

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4. Installment Payment Plans

Where the Company permits a program fee to be paid in installments, the installment arrangement is provided solely as a payment convenience.

Unless expressly identified as a subscription at the time of purchase, installment payments represent portions of the total agreed program fee and are not payments for separate monthly periods of service.

Cancellation of participation does not automatically cancel outstanding payment obligations.

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5. Individual Sessions and Scheduling

Clients must provide at least 24 hours’ written notice to cancel or request rescheduling of an individual advisory session.

Sessions cancelled with less than 24 hours’ notice, or missed without notice, may be treated as used and may not be rescheduled or refunded.

Any program-specific rescheduling limits, fees or session-expiry provisions contained in the applicable service agreement will continue to apply.

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6. Complimentary Introductory Calls

Complimentary introductory calls have no monetary value and are therefore not eligible for refunds.

If you cannot attend a scheduled introductory call, at least 24 hours’ notice should be provided. The Company reserves the right not to reschedule complimentary calls that are missed or cancelled without reasonable notice.

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7. Cancellation by the Company

If the Company cancels a paid service and is unable to provide a reasonable alternative or rescheduled service, the Company will, where appropriate, provide a refund or credit for the portion of the Services that the Company does not provide.

This provision does not apply where Services are suspended or terminated because of the Client’s breach of the Terms of Service, applicable service agreement or payment obligations, subject to applicable law.

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8. Statutory Consumer Rights

Nothing in this Policy is intended to exclude, restrict or waive any right or remedy that cannot lawfully be excluded, restricted or waived under the Consumer Protection Act, 2002 (Ontario) or other applicable consumer-protection legislation.

Where applicable law provides you with cancellation, refund or other consumer rights that are greater than those provided under this Policy, your statutory rights will apply.

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9. Refund Processing

Approved refunds will be returned, where reasonably possible, to the original payment method.

The Company will process approved refunds within a reasonable period after confirming eligibility. The time required for funds to appear in your account may depend upon your financial institution or payment processor.

Currency-conversion charges, foreign transaction fees and other charges imposed independently by a bank, card issuer or payment provider are outside the Company’s control and are not refundable by the Company except where required by law.

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10. How to Request Cancellation or a Refund

All cancellation and refund requests must be submitted in writing to:

Kevin Simcock Inc
Email: hello@kevinsimcock.com
Mailing Address: Toronto, Ontario. Canada. M1C 2G5

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Please include your name, the service purchased, the date of purchase and the reason for your request.

The Company may request additional information reasonably necessary to locate the transaction and process the request.