REFUND & CANCELLATION POLICY

At RAY Life Coaching, LLC, I understand that plans change.  If you need to cancel or reschedule, please contact info@raylifecoaching.com as soon as possible.

Events & Workshops
For events purchased directly through RAY Life Coaching
 

• 14+ days before: Full refund

• 7-13 days before: 50% refund or full credit toward a future event

• ​Less than 7 days before: No refund; a partial credit may be offered when possible

• ​Within 24 hours or no-show: No refund or credit

​Events purchased through another venue, organization, or platform are subject to that provider's refund and cancellation policies.
 
1:1 Coaching
​Please provide at least 48 hours' notice to cancel or reschedule a paid 1:1 session.
Cancellations with less than 24 hours' notice and no-shows are generally non-refundable.
I understand that emergencies happen and may make reasonable exceptions when possible.
If a client is more than 15 minutes late with or without communication, the session is treated as a missed appointment.
 
Programs & Packages
Programs and packages may be eligible for a prorated refund on a case-by-case basis.  
The refund will be based on what has already been provided or accessed, including applicable:

• 1:1 or group sessions

• ​Digital resources or course content

• ​Workbooks, worksheets, or printed materials

• ​Recordings

• ​Other services, materials, or benefits included with the program

 
The value of what has already been provided or accessed will be deducted from the amount paid. Any eligible remaining balance may then be refunded.  

Because programs and packages differ, refund amounts are determined individually based on what has been delivered at the time of cancellation.


Speaking Engagements, Trainings, Presentations, and Contracted Workshops for Organizations
This section applies to services booked by businesses, nonprofits, schools, libraries, therapy practices, conferences, community organizations, healthcare organizations, and other hosts for presentations, workshops, facilitation, panels, trainings, or consulting.

Booking and Deposit
A signed agreement and/or deposit may be required to reserve the event date. Unless otherwise stated in writing:

• A non-refundable retainer of 25%–50% is due to hold the event date.

• The remaining balance is due according to the contract, invoice, or signed proposal.
   

Cancellation by the Hiring Organization / Host
If the hiring organization, venue, or host cancels a booked engagement:

• 30+ days before the event: any payments made beyond the non-refundable retainer will be refunded.

• 15–29 days before the event: 50% of the total contracted fee remains due, or previously paid amounts may be retained up to that amount.

• 14 days or fewer before the event: 100% of the total contracted fee is due and non-refundable, especially where preparation, travel, materials, scheduling blocks, or custom presentation work have already been committed.
   

Rescheduling by the Hiring Organization
One reschedule may be permitted without penalty if:

• the request is made 21+ days in advance, and

• a mutually agreeable new date is available within 90 days of the original event date.

Otherwise, a requested reschedule may be treated as a cancellation and rebooking.

Travel, Lodging, Venue, and Materials Costs
Any approved travel, lodging, printing, shipping, venue, or materials costs already purchased or committed are non-refundable and remain the responsibility of the hiring organization unless otherwise agreed in writing.
 
Digital Products
Downloaded or immediately accessible digital products, recordings, PDFs, workbooks, and other digital resources are non-refundable once provided or accessed.

If RAY Life Coaching Cancels
If RAY Life Coaching cancels an event, session, or service, you will be offered an appropriate reschedule, credit, or refund for the service that was not provided.

Emergencies
Life happens.  In the event of serious illness, family emergency, unsafe travel, or another significant unexpected circumstance, please contact me as soon as possible.

When reasonably possible, I will work with you to find a fair solution based on the circumstances and what has already been provided.

Questions, cancellations, or rescheduling requests:
RAY Life Coaching, LLC
info@raylifecoaching.com
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