Refund & Return Policy

Pyragonics Owner: Kevin Hammer
Effective Date: September 3, 2025
At-a-glance: Refunds vary by product. If an item is marked No Refunds, the sale is final. Some items have shorter windows (7–14 days); others up to 30 days. If no refund terms are stated on the product page, the default period is 7 days from purchase.

1. Scope of Policy

This Refund & Return Policy applies to all purchases of digital products, bundles, coaching services, and related offers sold by Pyragonics (“Company,” “we,” “us,” or “our”). By completing a purchase, you acknowledge and agree to the terms of this policy.

2. General Rules

  • Refund eligibility is determined by the terms stated on the product’s sales page and at checkout.
  • If a product is clearly marked “No Refunds”, that purchase is final and non-refundable under all circumstances, except where required by law.
  • If a product specifies a refund period shorter than 30 days (e.g., 7, 10, or 14 days), that stated period governs.
  • If a product specifies a 30-day refund period, you may request a refund within 30 calendar days of purchase, subject to the conditions of this policy.
  • Default rule: If no specific refund terms are stated on the product page or sales page, the refund period is seven (7) days from the date of purchase.

3. Digital Products

  • No-Refund Items: Certain digital products (e.g., instant-access downloads, promotional specials, or low-ticket items) are non-refundable. This will be stated clearly at the time of purchase.
  • Refundable Items: Other digital products may include a refund window (7–30 days). If a refund period applies, it will be displayed on the product page or checkout.
  • Access or Download: For some products, refunds may remain available within the applicable window even after access. For other products, the sale is final once accessed or downloaded. The specific terms on the product page will govern.

4. Coaching Services

  • Coaching sessions are non-refundable once delivered.
  • If a refund period is offered for a coaching package, it applies only if no session has been completed.
  • Missed sessions without at least 24 hours' notice are considered completed and are non-refundable.
  • Rescheduling may be offered at our discretion with sufficient notice.

Split-Pay (Two-Payment) Option

Some coaching packages offer a two-payment option, with the second payment due 30 days after the first. By selecting a split-pay option, you are agreeing to pay the full amount. The two-payment plan is a payment arrangement, not a subscription and not a month-to-month commitment that can be cancelled.

If the second payment fails or is not completed within 7 days of its due date, access to all coaching services and materials will be suspended until the balance is paid in full.

The total cost of the split-pay option is slightly higher than the single-payment option. This difference is non-refundable and reflects the cost of extended payment terms.

No refund will be issued on the first payment once the second payment due date has passed, regardless of whether the second payment was made. Both payments are subject to the coaching refund terms outlined above, coaching is non-refundable once any session has been delivered.

Failure to complete the second payment does not release you from the obligation to pay the remaining balance. Unpaid balances may be subject to collection efforts.

5. Bundles & Promotions

  • Bundles, discounted packages, and promotional sales may carry stricter refund terms than individual products. These will be displayed clearly on the bundle’s sales page.
  • Free bonuses included with a purchase are not eligible for refunds or credits.

6. Requesting a Refund

To request a refund (if eligible), you must email us within the applicable refund period:

  • Email: kevin@kevinhammer.org or kevin@pyragonics.com
  • Include the following proof of purchase:
    • Full name
    • Email address used at checkout
    • Order number
    • Date of purchase
    • Reason for the refund request
  • Refund requests submitted without complete proof of purchase will not be processed.
  • Approved refunds will be returned to the original payment method within ten (10) business days of approval.

7. Chargebacks

  • Initiating a chargeback or payment dispute through PayPal, Stripe, your bank, or your credit card provider waives your right to a refund under this policy.
  • We reserve the right to vigorously dispute chargebacks and provide proof of purchase, delivery, and agreement to these terms.
  • Fraudulent chargeback attempts may result in account termination and denial of future access to our products and services.

8. Exceptions

  • Duplicate or accidental payments.
  • Technical issues that prevent delivery of the purchased product and cannot be resolved after reasonable support attempts.

9. California Compliance

Under California law, refund policies more restrictive than a full refund must be conspicuously displayed at the point of sale. By purchasing from Pyragonics, you acknowledge that you have reviewed and agreed to the refund terms displayed on the product sales page and at checkout.

10. Licensing of Digital Products

All digital products sold by Pyragonics are provided under a limited, non-exclusive, non-transferable license for personal use only. Purchase does not transfer ownership rights.

Questions? Email kevin@kevinhammer.org or kevin@pyragonics.com.